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Independent Advisory

Decision Review

Your financial position and decisions, on one page

A focused session on your situation, goals and options. You receive an overview of what you own and where, and a written map of the decisions ahead, how they depend on one another, and where specialist expertise matters.

€595, fixed fee

Useful if you are preparing to move, have just arrived, or have been here a while and want to check that your choices still fit together.

Included

  • An intake questionnaire before we meet, covering your company, property, investments, pension and income
  • One 90-minute session about your goals and plans
  • A one-page overview of what you own, in which country and how it is held
  • A written decision map within a week: each decision, roughly what is at stake financially, and which come first
  • The questions to put to your tax and legal advisers, so their time (and fees) go further
  • Recommended next steps

Not included

  • Tax, legal or regulated financial advice
  • Filings and paperwork
  • Carrying out the next steps

Example

What a decision map looks like

The Decision Review ends with a written map like this one, shortened here. Yours is built from your own situation and figures, and gives you something concrete to take to your tax and legal advisers.

This is an illustration, not a real client.

Decision map

A founder, 52, with a Dutch holding company (about €1.2m retained), an operating company still running, a house in Utrecht (worth about €900k, with a €300k mortgage), a partner and two teenagers. Planning to move to the Lisbon area next spring and live on about €8,000 a month.

  1. 1. The timing of your move, and when you become tax resident

    What is at stake
    Which country taxes next year's dividend from the holding, and the year in which the house is sold or let.
    Depends on
    Nothing: settle this first
    Who to involve
    Tax advisers in both countries

  2. 2. The holding: keep, move or wind down

    What is at stake
    How the €1.2m can reach you over the years, and whether leaving the Netherlands triggers a tax claim on it.
    Depends on
    1
    Who to involve
    Dutch tax adviser

  3. 3. How you pay yourself

    What is at stake
    Salary, dividends or a mix: what is left of the €8,000 a month after tax in each option.
    Depends on
    1 and 2
    Who to involve
    Tax advisers in both countries

  4. 4. The house in Utrecht: sell, let or keep

    What is at stake
    Selling frees about €600k for a home here; letting gives an income that stays taxable in the Netherlands.
    Depends on
    1
    Who to involve
    Dutch tax adviser, estate agent

  5. 5. Pension and investments

    What is at stake
    Where they are taxed after the move, and when you can start drawing on them.
    Depends on
    1 and 3
    Who to involve
    Your pension provider, tax adviser in Portugal

  6. 6. Wills and estate

    What is at stake
    Which country's rules apply to your estate, and whether your current wills still do what you intend.
    Depends on
    2 and 4
    Who to involve
    Notaries or lawyers in both countries
Discuss a Decision Review

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