WEALTH MANAGEMENT
Meaningful, lasting results
At RZ Financial Planning, we provide wealth management services through our distinctive private office model. Our approach focuses on your individual needs, ensuring each strategy is customised to your goals, values, and aspirations.
Whether you’re looking to grow your wealth, optimise your tax strategy, or secure your legacy, we are here to guide you every step of the way.
“Whether it's growing your wealth, optimising your tax strategy, or securing your legacy, we’re with you every step of the way to turn your financial goals into reality.”
Investment management
Transform your wealth for long-term prosperity. Our investment strategies combine global opportunities with deep insights into the Portuguese market, creating portfolios that align with your risk appetite and return expectations.
Bespoke portfolio construction and management
Tailored investment strategies designed to meet your unique financial goals.
Alternative investment opportunities
Access to exclusive opportunities in private equity, real estate, and more.
ESG-focused sustainable investing
Align your investments with your values through environmental, social, and governance (ESG) strategies.
Regular portfolio reviews and rebalancing
Ensure your portfolio remains optimised for changing market conditions.
Market analysis and economic outlook reports
Stay informed with expert insights and data-driven recommendations.
Estate &succession planning
Protect your legacy and ensure a smooth transfer of wealth to future generations. Our estate planning services address both the emotional and financial aspects of succession, giving you peace of mind.
Will drafting and estate structuring
Ensure your wishes are clearly documented and legally binding.
Trust establishment and administration:
Create trust structures to safeguard your assets.
Family wealth education programmes
Empower the next generation with financial literacy and stewardship skills.
Succession planning for family businesses
Develop strategies for seamless leadership transitions.
Philanthropic giving strategies
Align your wealth with your values through charitable initiatives.
Tax planning & optimisation
Navigate Portugal’s complex tax landscape with confidence. Our tax specialists ensure you maximise efficiency while remaining fully compliant with local regulations.
Annual Tax planning and preparation
Proactive strategies to minimise your tax burden.
Non-habitual resident (NHR) programme guidance
Leverage Portugal’s NHR regime for significant tax advantages.
Cross-border tax implications
Expert advice for managing taxes across multiple jurisdictions.
Estate and Inheritance Tax planning
Protect your wealth for future generations.
Corporate structure optimisation for business owners
Streamline your business operations for tax efficiency.
Retirement planning
Secure your ideal retirement lifestyle with strategic planning that accounts for Portugal’s unique pension landscape and your personal vision for the future.
Pension optimisation strategies
Maximise the value of your retirement savings.
Healthcare cost planning
Prepare for potential medical expenses in retirement.
Lifestyle cash flow projections
Ensure your retirement income supports your desired lifestyle.
Social security maximisation
Make the most of your entitlements.
Long-term care insurance evaluation
Protect against the financial impact of extended care needs.
Private office services
Experience the ultimate in personalised financial management. Our private office services provide comprehensive support for all aspects of your financial life, offering unparalleled convenience and discretion.
Dedicated relationship manager
Your single point of contact for all financial matters.
Quarterly strategy reviews
Regular updates to ensure your financial plan remains aligned with your goals.
24/7 account access and reporting
Stay informed with real-time insights into your financial position.
Concierge financial services
From bill payments to travel arrangements, we handle the details so you can focus on what matters most.
Family office coordination
Seamlessly integrate your financial management with other family office services.
Why choose us?
At RZ Financial Planning, we go beyond traditional wealth management. Our comprehensive approach ensures that every aspect of your financial life is optimised for success.
Here’s why discerning clients choose us:
- Tailored solutions: Every strategy is customised to your unique needs and goals.
- Expert guidance: Benefit from decades of experience in both the Portuguese and global financial markets.
- Holistic approach: We address every aspect of your financial life, from investments to estate planning.
- Unparalleled service: Our private office model ensures personalised attention and discretion.
