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Independent Advisory

Cross-Border Roadmap

One financial plan for your company, income and move

For when your company, income, residency and property are all in play at once. You receive one plan, with clear choices, priorities and who is responsible for each.

From €2,500

The fee depends on scope and complexity.

When several big things move at once, the order matters almost as much as the decisions themselves. The Roadmap settles what you want, what you have chosen and in what order, so every adviser works from the same plan.

What happens during a Roadmap

  1. 1. Intake

    In an intake conversation we go through your situation, your figures and what you want to achieve, and by when.

  2. 2. Options and specialist questions

    I work out the realistic alternatives and what each depends on, brief your specialists in both countries, and check that their answers fit together. Their fees are separate.

  3. 3. The roadmap

    You receive the plan: what happens, in what order, by when and who is responsible, with the income scenarios and the timing of your move.

  4. 4. Review

    In 2 or 3 review sessions we go through the plan and adjust it where answers or circumstances change. The Roadmap ends there; ongoing support is what the Advisory Retainer is for.

Included

  • Working through your goals and the realistic alternatives
  • Income scenarios: how you could take money out of your company (salary, dividends or a mix), compared side by side using the tax treatment your tax adviser confirms
  • The timing of the move: what to settle before you become tax resident here, and what can wait
  • Briefing specialists back home and in Portugal, and checking that their answers fit together
  • A prioritised plan with dependencies, owners and next steps
  • A long-term view of your finances: the income you need, what your assets can realistically provide after tax, and when you can step back
  • An intake conversation and 2 or 3 review sessions

Not included

  • Specialists' fees
  • Tax, legal or regulated financial advice

Example

What a roadmap looks like

A shortened example, for the same illustrative founder as the decision map on the Decision Review page: what happens next, in what order, by when, and who is responsible.

This is an illustration, not a real client.

Roadmap

Founder, 52 · Dutch holding company · House in Utrecht · Moving to the Lisbon area next spring with a partner and two teenagers

During the Roadmap

I brief the specialists, check that their answers fit together, and give you a plan in which every action has an owner. Following it up after that is what the Advisory Retainer is for.

  1. Before the move Now – March

    1. 1. Confirm the intended relocation timeline and assess the tax-residency consequences

      Responsible:
      You, with tax advisers in both countries

    2. 2. Review the holding structure and have the potential exit-tax position calculated

      Responsible:
      Dutch tax adviser
      Depends on:
      1

    3. 3. Decide whether to sell or let the house in Utrecht

      Responsible:
      You and an estate agent, with tax input
      Depends on:
      1

  2. The first three months in Portugal April – June

    1. 4. Complete the registrations, and arrange healthcare and schooling

      Responsible:
      You, with local specialists
      Depends on:
      1

    2. 5. Put the agreed way of paying yourself in place

      Responsible:
      Accountant, after the cross-border tax review
      Depends on:
      2

  3. The first year Until the first tax return

    1. 6. Review pension and investment arrangements

      Responsible:
      Pension provider and appropriately qualified advisers
      Depends on:
      1 and 5

    2. 7. Review wills and estate documents in both countries

      Responsible:
      Notaries or estate lawyers in both countries
      Depends on:
      2 and 3

    3. 8. Revisit the roadmap after the first Portuguese tax return

      Responsible:
      You, with your tax adviser (or with me, under the Advisory Retainer)

An illustrative planning example only. Timing, tax treatment, responsibilities and the actions required depend on your own circumstances.

From decisions to action

The Decision Review shows what needs attention. The Roadmap turns those decisions into a coordinated sequence of actions, with clear priorities, responsibilities and follow-up points.

Discuss your Roadmap

Free 15-minute introductory call · English or Dutch · Based in Portugal