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 complimentary 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 of 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
The above logos are purely brief representative selection of providers. We are able to obtain institutional level discounts when utilising a broad spectrum of fund and ETF houses.
*All third-party trademarks, including logos and icons, referenced on this website are the property of their respective owners and are used only for identification purposes and do not imply sponsorship or indorecement.
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?
For expats living in Portugal there are some tax saving solutions available for those who have ability to invest lump sum cash savings to generate future income.
The solutions tend to be what are known as Portuguese Compliant Investment Bonds. Can be introduced to you by an appropriately licenced Financial Adviser.
The solutions are fully allowable to all residents of Portugal and are compliant with the Portuguese tax code.
What is a Portuguese Compliant Investment Bond (PCIB)?
A tax efficient savings and investment wrapper approved by Portuguese IRS for use by residents of Portugal.
Owners can benefit from tax free growth and reduced level tax on income.
Need full explanation and advice prior to establishment.
How can an expat invest in Portugal?
Expats can invest in Portugal through regulated financial institutions using structures that allow access to both Portuguese and international investments.
Common options include bank investment accounts, brokerage platforms, and insurance-based investment structures such as Portuguese-compliant bonds (PCIBs). The most suitable option depends on residency status, tax situation, investment goals, and whether the individual plans to remain in Portugal long term.
It is important for expats to consider Portuguese tax rules, reporting obligations, and cross-border implications before investing.
Can I manage a PCIB myself?
No, the financial regulator requires the providers of PCIBs to insist on the appointment of an appropriate Financial adviser.
The FA will explain some of the most complex features of the PCIB and ensure that it is well managed going forward. The investment portfolio held within a PCIB can be created and managed in several different ways to suit the client’s needs. To ensure that the FA provided to you comes under the highest levels of scrutiny and protection, seek an adviser who works directly under a MiFID II licence.
If you are a resident of Portugal you may want to seek an adviser based in Portugal who is familiar with local taxation and for potential ease of communication.
What are the available tax-efficient saving structures for residents and expats in Portugal?
Tax-efficient saving structures in Portugal typically include insurance-based solutions, retirement plans, and carefully structured investment portfolios.
For residents and expats, Portuguese-compliant insurance bonds (PCIBs) are often used to defer taxation on investment growth, simplify reporting, and allow flexible investment management. Other options may include pension solutions (PPRs) or standard investment accounts, depending on personal circumstances.
Does a PCIB only allow investments inside Portugal?
No, a PCIB allows investments in a globally based portfolio, subject to minor constraints.
The investment strategy spreads capital across various asset classes, regions and currencies to reduce risk and enhance potential returns. A PCIB is typically located in either Ireland or Luxembourg.
As both countries are located within the EU, the PCIBs are fully compliant with Portuguese tax law (one of the qualifying criteria).
Sometimes people confuse these structures with golden visa requirements.
Is there a minimum investment amount required to open a PCIB account?
Yes, the minimum cash amount typically is €100,000 or currency equivalent.
There are several providers, and the percentage fee basis will typically reduce the more you invest.
Although the investment is made whilst being resident in Portugal, other major currencies aside from Euro can be used or held in the investment, such as USD and GBP.
Fees, licence, qualification
What is the average cost of using a financial advisor?
Using a financial adviser could cost approximately 1 percent p.a. There are also charges applicable to the use of a financial solution.
Only a MiFID II adviser is required to provide you with explicit, clear and transparent information in relation to your expected fees and charges. Some of the applicable fees provide added insurance relating to the advice you receive and indemnify your investment.
How should you choose a financial adviser as an expat?
Look for an adviser who is qualified to UK level 4 or EU level 5 or equivalent and works under a MiFID II licence.
An adviser with knowledge of both Portugal and your original home country would be advantageous.
Seek an adviser experienced in cross-border advice.
How to check the credentials of a financial planner?
You should familiarise yourself with the credentials of the individual providing the advice to you and understand how they are licensed and regulated.
You can engage with a Chartered adviser who works under a MiFID II licence.
Cross-border planning
Do I need a specialist in cross-border financial planning when living in Portugal?
Yes, cross-border financial planning is important for individuals with assets, income, or pensions in more than one country.
Do UK tax rules still apply after moving to Portugal?
It depends on assets that you are holding in the UK.
You could become tax resident in Portugal and therefore UK taxation is not applicable except in the case of UK property.
Special attention could be given to UK inheritance tax.