What we do
- Programme selection — matching your citizenship, tax residency, family structure and timeline against every live residency and citizenship by investment programme, not just the ones that pay referral fees.
- Financing structure — modelling whether a Lombard facility, cross-border mortgage or self-funding produces the better after-tax outcome, and introducing you to lenders on the terms we have benchmarked.
- Tax residency modelling — projecting the tax consequences of the move itself: exit charges, treaty position, non-dom or special regimes, and the treatment of the investment income.
- Application oversight — reviewing the legal and agent work you are paying for, so that timelines, documentation and fund flows hold up under scrutiny.
- Post-approval review — annual checks on renewal conditions, holding-period compliance and whether the financing should be refinanced or repaid.
What we do not do
We do not sell property. We do not distribute investment funds. We do not take introducer commission from developers, fund managers, banks or law firms. If a recommendation would earn us a payment from a third party, we disclose it or decline it.
This matters because the standard golden visa market is built on a 5–10% commission embedded in the price of qualifying property and fund units. That commission is paid by you, invisibly, and it is the single biggest reason unsuitable programmes get recommended.
Independence is verifiable: ask any adviser, in writing, what they are paid if you proceed and by whom. Our answer is our fee, and nothing else.
Who we work with
Typical clients hold €500,000 to €10m in investable assets and are weighing residency for tax, mobility, succession or contingency reasons. Many are entrepreneurs with concentrated wealth in an operating business; others are portfolio investors who do not want to liquidate to fund a visa.
We are most useful when the decision is genuinely open — when two or three programmes are plausible, when financing may or may not be the right call, and when the tax consequences of the move are material relative to the cost of the visa itself.
How engagements work
| Stage | What happens | Typical timeline |
|---|---|---|
| Discovery call | Objectives, assets, timeline, constraints. No charge. | 45 minutes |
| Options report | Shortlist of programmes with cost, tax and financing modelling | 2–3 weeks |
| Structure design | Chosen route, financing terms benchmarked, lender introductions | 3–6 weeks |
| Execution oversight | Review of legal, agent and bank workstreams to approval | Programme dependent |
| Annual review | Compliance, renewal and refinancing check | Yearly |
Credentials
Advisory is led by Marcus Chen, CISI Level 7 Chartered Wealth Manager. The Level 7 qualification is the Chartered Institute for Securities & Investment's highest individual standard, covering portfolio construction, taxation and regulated advice — a materially different basis from the immigration-agent qualification most golden visa firms hold.
That distinction is the point. Programme rules are the easy part and are freely published. The hard part is whether the investment, the borrowing against it, and the resulting tax position make sense for your balance sheet over the next decade.
Frequently asked questions
How much do your golden visa services cost?+
Engagements are fixed-fee and scoped after the discovery call, based on complexity rather than the size of your investment. There is no commission and no percentage of the transaction.
Do you handle the legal application itself?+
No. Local licensed lawyers file the application in the relevant jurisdiction. We select and oversee them so their work is checked by someone acting only for you.
Can you arrange the loan as well as the advice?+
We benchmark lenders and introduce you directly. The credit relationship is yours with the bank; we take no fee from the lender for the introduction.
Which programmes do you cover?+
All live residency and citizenship by investment programmes we consider viable, including Portugal, Greece, Spain, Italy, Malta, the UAE and the Caribbean citizenship programmes. Programmes we regard as poor value are covered too — with reasons.
Discuss your financing with a CISI Level 7 adviser
We model the loan against your actual portfolio, the programme you are targeting, and your tax residency — before you commit capital. No product commission, no obligation.