Wealth Management in Portugal
Wealth management in Portugal begins with checking who may serve you and on what mandate when your assets sit in Portugal and another country. We record each provider's legal entity and authorisation, because a trade name or website alone does not establish the authorised service.
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Who Needs Wealth Management in Portugal
- You are reviewing investment services or a portfolio mandate connected with Portugal.
- You hold assets in Portugal and another country and want a specialist to review the tax and service-provider questions together.
- You want a specialist to record your objectives, risk tolerance, knowledge and experience before a regulated provider discusses investments with you.
- You want a specialist to check a current provider's legal entity, authorisation and service scope against the relevant official register.
You need a fact-based review of assets, providers or mandates; the service covers evidence-based planning and review.
What's Included in Wealth Management Support
You get a quote in writing before any work starts.
- Service classification. General information, personalised investment advice and portfolio management are separated before the work is described.
- Provider and register review. A specialist records the legal entity, authorisation, service scope and current register checks relevant to the proposed provider.
- Portfolio-mandate review. The review checks whether the mandate gives authority to manage assets for you and whether the provider's authorised service matches it.
- Suitability evidence. A specialist organises your knowledge, experience, financial situation, ability to bear losses, objectives and risk tolerance for the regulated review.
- Cross-border route review. The home-state authorisation and host-state notification evidence are recorded when a provider proposes cross-border services.
- Tax and succession questions alongside the wealth work. The Portuguese tax, succession and company questions that sit alongside the wealth work are identified.
Diagram text version
The provider needs authorisation for investment advice. An authorised EU passport supports cross-border service. Non-EU firms serve eligible counterparties and professional clients only. Discretionary management is a separate service.
What You'll Need to Provide
- Asset schedule
- Your investments, cash, property, company interests and other assets within the review.
- Objectives and risk facts
- Your objectives, time horizon, investment knowledge, experience, risk tolerance and ability to bear losses.
- Existing provider records
- The provider's legal name, agreements, statements, authorisation details and service descriptions.
- Portfolio mandate
- The proposed or current mandate, discretionary powers, instruments and decision rights.
- Residence and tax facts
- Your residence history, source countries, tax position and any treaty or filing records relevant to the assets.
- Family and succession context
- The family, ownership and succession facts that affect the wealth-planning work.
How Wealth Management Support Works
A specialist reviews the wealth and investment-service documents and flags tax, company and succession questions along the way.
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Classify the Investment Service
A specialist records whether the proposed work is information, personalised advice or portfolio management.
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Check the Provider and Authority
The legal entity, current authorisation and service scope are verified against the relevant official register.
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Review the Portfolio Mandate
A specialist compares the mandate, decision rights and instruments with the service the provider is authorised to perform.
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Assemble the Suitability Evidence
The suitability record is prepared from your knowledge, experience, financial situation, loss capacity, objectives and risk tolerance.
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Check a Cross-Border Route
A specialist checks the home-state authorisation, the notification or passport evidence and the host-state service scope of a cross-border route.
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Record the Tax Questions
The review frames the Portuguese tax, succession and company questions it covers.
Timing and Possible Delays
Set by the assets and documents
The work is planned around the number of assets, providers, mandates, countries and tax questions in the review.
What delays it
The work takes longer when provider records are incomplete, the provider's entity is unclear, the portfolio agreement has multiple decision-makers or cross-border authorisation evidence is pending.
What to prepare now
You organise your asset, provider, mandate, residence, tax and succession records before the work begins.
Investment Advice, Mandates and Provider Checks
The provider-authorisation file
A specialist prepares a provider-authorisation schedule with the legal entity, service description, register evidence and date of each check. The CMVM route is separated from any Banco de Portugal check before you discuss a regulated service, and the evidence is kept with the proposed engagement.
The mandate and suitability sequence
A specialist reads the mandate, prepares the decision-rights summary and records whether the provider will make recommendations or manage a portfolio for you. The suitability information that the regulated provider must assess is then identified.
Cross-border and current-law checks
A cross-border evidence checklist is prepared covering the home-state authorisation, notification or passport evidence and Portuguese service scope. A specialist flags the tax, succession or company question that sits beside the route and records the current Código dos Valores Mobiliários version for the review.
Set out your wealth-management position
Describe which assets, providers, countries and objectives sit within the review. A specialist then prepares the evidence and questions for the case.
Common questions
What is investment advice in Portugal?
Is portfolio management the same as investment advice?
How do I check a wealth provider in Portugal?
What information supports a suitability review?
Can an EU adviser serve a client in Portugal?
Can a non-EU adviser use the MiFIR Article 46 route for Portuguese retail clients?
Does Banco de Portugal registration replace a CMVM check?
How much does wealth management support cost?
How is a wealth-management case handled?
What to Expect
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One team for the whole case.
The wealth, tax, company and succession questions are all handled by the same team.
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English or Portuguese.
English or Portuguese, whichever you are most comfortable in.
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A quote in writing before work starts.
You get a quote in writing before any work starts. The reply says so plainly if the case is not something the service covers.
Contact us
Your request is in
Every request is read in house. The requirements are assessed, and a reply by email sets out the appropriate next steps.
Every enquiry is read in house, and the aim is a reply within one business day.
The information on this page is checked against official sources and reviewed regularly. It is corrected when the law or official guidance changes, as the Editorial Standards describe.