Strategic Excellence
Understand our core competencies and expertise
Explore a comprehensive suite of advisory services crafted to bring clarity, structure, and confidence to your financial world.
Investment and pension management
Professional, qualified and regulated advice generating enhanced results contributing to better long-term growth.
Tax-efficient financial structures for Portugal
Development and implementation of tax-efficient strategies that operate hand in glove whether you have NHR status or not.
Lump-sum investment strategy development
We invest time to understand your personal circumstances, objectives, experience and risk tolerance, to develop a bespoke investment strategy that is as unique as you are.
Financial Planning by a Chartered Adviser
Development & creation of a personalised, high calibre financial plan. Deploying your assets strategically whilst adopting core cost efficiencies, ensuring the delivery of enhanced outcomes.
Recognised Expertise
Chartered Financial Adviser MiFID II Licence
Ingenium’s Founder and Senior Financial Planner, Phil Morris, is UK and EU-qualified and a Chartered member of The Chartered Institute of Securities & Investments (CISI), Chartered CISI Membership No 201357.
He has over 10 years experience in Financial Advisory and 30 years experience in asset management and fiscal responsibility.
Our specialties
What we offer
Tax Efficient Investment Solutions for Portugal
Take advantage of fully compliant tax-efficient savings and investment structures fully allowable by the Portuguese IRS (AT) whilst resident in Portugal.
Investing Surplus Capital
Deploy your liquid accets to gain optimum growth in line with your measured approach to risk & reward.
Managing Your Portfolio
Match your objectives and investment goals to deliver optimal outcomes.
Reducing Property Capital Gains
Legitimately reduce any capital gains tax payable when selling or downsizing your home in Portugal.
Planning for the End of NHR & Taxation of Pensions
Protect and optimise your financial position whilst benefiting from NHR and beyond.
Avoiding UK IHT
Mitigate unnecessary tax of your estate. Relevant to most UK citizens resident overseas.
Our Advisory Process, Refined to Excellence
We develop a focused, tailored and actionable plan
1. Initial complementary consultation
Together we identify your short- and long-term goals, risk tolerance, and personal circumstances to ensure your plan aligns with what truly matters to you.
2. Analysis for your current situation
We begin by collecting detailed information about your assets, structures, residency, and financial priorities to form an accurate foundation for tailored advice.
3. Establish your goals & objectives
We conduct a comprehensive analysis of your existing arrangements, tax exposure, and investment structures to highlight strengths, risks, and opportunities.
4. Develop & implement your tailored financial plan
We develop and implement a bespoke financial plan tailored to your objectives, ensuring every recommendation is practical, tax-efficient, and aligned with your long-term financial goals.
5. Monitoring & review of your plan and on-going adjustment, as required.
We continuously review your plan, adjusting for market changes, tax developments, and life events to keep your strategy aligned and performing over time.
Core Focus
Areas of Expertise
We provide sophisticated financial planning and investment guidance for internationally mobile clients, combining chartered expertise, EU regulated advice and holistic approach to long-term wealth creation.
Cross-border financial
UK IHT mitigation
Utilisation of tax efficient investment structures
Financial optimisation during and post NHR
Portugal residential capital gains tax mitigation
International pensions
Family office
UK tax advisory for non-residents
Investment portfolio creation and management
UK pension management and restructuring
US-connected persons financial advisory
Exclusive Access to Universe of Trusted, Highly rated providers
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Your Regulatory Advantage
Operating under
MiFID II Licence
At Ingenium Financial, we operate under a MiFID II licence, a certification that ensures we adhere to the European Union’s strict regulations for providing investment services. This licence guarantees that we meet the highest standards of transparency, investor protection, and ethical practices.
With our MiFID II licence, we have access to a broader range of investment products and services from top providers, allowing us to offer you tailored and competitive solutions.
It also means that you, the Client, is afforded maximum consumer protection and benefit from a warranty fund and professional indemnity insurance when it comes to the provision of investment advice.
Learn more about MiFID II license from European Securities and Markets Authority (ESMA).
Excellence Certified
Our Chartered status
Chartered status from the CISI is a top-level qualification for Financial Advisers. It shows that the Adviser has advanced knowledge, follows strict ethical guidelines and is committed to ongoing learning. This status ensures that clients are working with a highly qualified and trustworthy professional, dedicated to providing the best possible financial advice. Learn more about the CISI membership.
Ideally your Adviser should be a minimum of what is known as UK Level IV qualified to provide you with advice.
However, outside of the UK Adviser’s can operate with lower or zero qualifications.
Exams are rigorous and put importance on ethics as well as financial planning and investments.
Client Testimonials
Frequently Asked Questions
Tax efficient savings and investments
How to pay less tax in Portugal?
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What is a Portuguese Compliant Investment Bond (PCIB)?
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How can an expat invest in Portugal?
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Can I manage a PCIB myself?
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What are the available tax-efficient saving structures for residents and expats in Portugal?
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Does a PCIB only allow investments inside Portugal?
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Is there a minimum investment amount required to open a PCIB account?
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Fees, licence, qualification
What is the average cost of using a financial advisor?
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How should you choose a financial adviser as an expat?
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How to check the credentials of a financial planner?
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Cross-border planning
Do I need a specialist in cross-border financial planning when living in Portugal?
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Do UK tax rules still apply after moving to Portugal?
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