Cross-Border Financial Planning · Portugal
ACSI · DipFA · Senior Partner, Paratus Wealth
Cross-border financial planning, built around your life abroad.
Free guide: Life After NHR explains what changes when your ten-year NHR status ends, and how to plan ahead. Read it, then request your copy below.
For individuals located outside the United Kingdom; not for use or reliance by persons within the UK. Information only, not financial, tax, legal or accounting advice or a personal recommendation. The value of investments can fall as well as rise. Full disclaimer in the footer.
Dean Arden ACSI DipFA is a Senior Partner and Financial Adviser at Paratus Wealth, based in Portugal, working with expatriates and internationally mobile clients across Europe and beyond.
Dean brings a practical, whole-picture approach to cross-border financial planning. He works with European expatriates and internationally mobile families, helping them navigate the complexities that come with living overseas, including the changes that arrive when Non-Habitual Resident (NHR) status comes to an end.
Whether the focus is currency exchange, savings, investments, pension or planning ahead for the end of NHR, Dean takes time to understand each client's full picture. If you want to bring structure to your finances abroad, get in touch.
Paratus Wealth also works with US-connected persons living in Portugal, where US rules add a layer of complexity to life abroad. As part of the wider Paratus Wealth offering, there is a dedicated team of US-qualified advisers with extensive experience supporting US citizens, green card holders and other US-connected individuals. Where appropriate, Dean can introduce you to this team, who provide advice in their own regulated capacity, tailored to your circumstances and aligned with the relevant US and international regulatory requirements.
Expats and internationally mobile families bringing currency, pensions, savings and investments into one clear cross-border plan.
Americans and US-connected individuals whose US tax and reporting obligations follow them wherever they live.
People bringing together pensions, savings and investments held across multiple countries and currencies, with clarity as the goal.
Residents in Portugal whose ten-year Non-Habitual Resident status is ending, who want to understand what changes and plan ahead in good time.
For individuals located outside the United Kingdom; not for use or reliance by persons within the UK. Information only, not financial, tax, legal or accounting advice or a personal recommendation. The value of investments can fall as well as rise. The full disclaimer is in the footer.
Paratus Wealth recognises the growing number of US-connected persons building a life across Europe who need specialist cross-border planning. The practical questions come first: your 401(k) and IRA accounts, your FATCA and FBAR reporting, and making your US and European savings work as one plan. Many banks and advisers in Europe will not take on US persons at all, so these questions too often go unanswered, which is why the US side is handled by US-qualified specialists. US estate tax planning is a separate matter that mainly affects non-US persons: holding US assets such as US shares or US property can create US estate tax exposure even if you are not American, and this is coordinated with US-qualified specialists for non-US investors.
Your US and European reporting, investments, pensions and estate planning line up as one plan, coordinated across both systems rather than falling between two.
US-aware investment planning, provided through US-qualified specialists, alert to how the PFIC rules can affect ordinary non-US funds held by US persons.
FATCA and FBAR coordination, working alongside US-qualified tax specialists on your Form 8938 and FBAR reporting.
US estate tax planning for non-US persons, coordinated with US-qualified tax and legal specialists: how holding US-situs assets such as US shares or US property can create US estate tax exposure, and the rules that apply when a spouse is not a US citizen.
Retirement across borders: coordinating your 401(k)s, IRAs and Roth accounts with pensions and savings held overseas, working with US specialists.
Double taxation and treaty coordination, working with US-qualified specialists on how tax treaties and foreign tax credits may apply to your situation.
One coordinated team: introductions to US-qualified tax preparers and attorneys, working to a single plan.
US estate tax planning referred to above applies to non-US persons holding US-situs assets; that content, and all non-US matters, are covered by the general (non-US) disclaimer in the footer.
For US-connected persons and for non-US persons with US exposure, and for individuals located outside the United Kingdom only; nothing here is an offer or solicitation in any jurisdiction where that would be unlawful. US investment advisory services are provided through Beacon Global Advisor Network, LLC, a registered investment adviser. Registration does not imply a certain level of skill or education, or that any regulatory authority has passed upon the firm. Beacon Global Advisor Network, LLC and “Paratus” are unaffiliated (disclosure information: click here). Paratus is a marketing name and is not licensed or registered to conduct advisory business; Dean Arden is your European adviser and does not provide US investment advice. This is information only, not financial, tax, legal or accounting advice or a personal recommendation; consult a regulated adviser about your circumstances. Investments can fall as well as rise, and past performance is not a guide to future results. Paratus Wealth, its officers and employees do not provide tax, accounting or legal advice; seek a professional adviser in your country of residence.
Portugal's Non-Habitual Resident regime lasts ten years, and it cannot be renewed. When it ends, the favourable NHR treatment of certain foreign income no longer applies, and standard Portuguese tax rules take over. Our free guide explains what changes, how the rules differ from the NHR regime, and why it is worth planning ahead in good time.
To download the guide, just complete the short form below. It is free, with no obligation, and your details are never shared.
For individuals located outside the United Kingdom; not for use or reliance by persons within the UK. Information only, not financial, tax, legal or accounting advice or a personal recommendation. The value of investments can fall as well as rise. The full disclaimer is in the footer.
Dean works with a select number of clients. Book a no-obligation introductory call to see if there is a good fit.
For individuals located outside the United Kingdom; not for use or reliance by persons within the UK. Information only, not financial, tax, legal or accounting advice or a personal recommendation. The value of investments can fall as well as rise. The full disclaimer is in the footer.
Fill in the form to receive the free Life After NHR guide, and Dean will follow up personally. All information is treated in strict confidence and used only to respond to you.
If you prefer to make contact directly, use any of the options below.
For individuals located outside the United Kingdom; not for use or reliance by persons within the UK. Information only, not financial, tax, legal or accounting advice or a personal recommendation. The value of investments can fall as well as rise. The full disclaimer is in the footer.
Your free Life After NHR guide is ready to download below, and Dean will be in touch shortly.
If you need to speak sooner, call +44 204 604 4100 or message via WhatsApp.
For individuals located outside the United Kingdom; not for use or reliance by persons within the UK. Information only, not financial, tax, legal or accounting advice or a personal recommendation. The value of investments can fall as well as rise. The full disclaimer is in the footer.
