About Us
At All Finance Matters, our mission is to deliver top-tier accounting services with a blend of professionalism and approachability, ensuring our clients experience peace of mind as we handle their tax obligations in Portugal. Our seasoned team, comprised of adept Financial Advisors and Chartered Accountants, specializes in assisting international clients, showcasing expertise in accountancy, taxation, fiscal representation, social security, insurance, and mortgages.
We collaborate with our clients rather than merely working for them because your success is our priority.
Our Ceo
Ricardo Chaves is a highly experienced chartered accountant with extensive financial knowledge and a proven ability to successfully raise corporate finance.
Our Multidisciplinary Team
By combining our team’s knowledge with the expertise of skilled professionals in important fields, we cultivate exceptional multidisciplinary research teams. This collaborative approach empowers us to analyze complex situations with a high level of effectiveness.
Mike M.
2 weeks ago
All Finance Matters have been looking after our Portuguese tax affairs for some 5 years. We have been very pleased with the professional way in which they have dealt with matters and the sound advice we have received. We are very happy to recommend their services.
Lionel M
2 weeks ago
AFM has been helping us with our taxes since we arrived in Portugal ( 3 years now) and we highly recommend them. They are always available to answer questions and we simply never have to worry about making sure we are getting the best tax advice and tax preparation. We have gladly referred other friends and will continue to do so. Thanks AFM and especially Laura for taking good care of us.
Nancy D.
1 month ago
Im having an excellent experience with ALL Finance matter. The staff is competent and always there to help. The service is exceptionel and I totally recommand them.
Natasha D.
1 month ago
Exceptional service and care of their expat customers! Every question is throughly answered which is very important in the new reality
Lynda K.
2 months ago
This is the third year that we have used AFM for our Portuguese Tax returns. They have also assisted us in liaising with our UK accountants to ensure both tax systems were being adhered to as per the laws of Portugal and the UK.
In all of our correspondence we have encountered a very speedy reponse from them. All advice given has been of the highest standard.
Their recent Award has been well deserved. We would highly recommend AFM, particularly for English - speaking people who require advice in their own language and have a full understanding of HMRC regulations.
We would like to thank Ricardo Chaves for this leadership, Alexandre Guerreiro for all of his wonderful support and professionalism. We will most certainly continue to use AFM in the future. Muito obrigado.
In all of our correspondence we have encountered a very speedy reponse from them. All advice given has been of the highest standard.
Their recent Award has been well deserved. We would highly recommend AFM, particularly for English - speaking people who require advice in their own language and have a full understanding of HMRC regulations.
We would like to thank Ricardo Chaves for this leadership, Alexandre Guerreiro for all of his wonderful support and professionalism. We will most certainly continue to use AFM in the future. Muito obrigado.
Priya C.
2 months ago
Me and my husband have been working with this firm (Ms Laura) for several years, and I couldn’t be happier with her services. The company handles our tax filings with exceptional professionalism, accuracy, and attention to detail. What truly sets Laura apart is her responsiveness..she is always available to answer questions, provide guidance, and address any concerns promptly.
Over the years, she has consistently demonstrated responsibility, reliability, and a genuine commitment to her clients. Knowing that Laura is managing my taxes gives me complete peace of mind. I highly recommend this company to anyone looking for a knowledgeable, trustworthy, and dedicated lawyer and tax professional. Thank you! 😊
Over the years, she has consistently demonstrated responsibility, reliability, and a genuine commitment to her clients. Knowing that Laura is managing my taxes gives me complete peace of mind. I highly recommend this company to anyone looking for a knowledgeable, trustworthy, and dedicated lawyer and tax professional. Thank you! 😊
Mark R.
2 months ago
Throughout our journey to move to Portugal, we've tried to take good advice so we do things right, so that I know, going forward, everything we have done has been on firm foundations. However, we made a mistake in appointing someone to look after our financial affairs, and it left me feeling very exposed. On a recommendation, I contacted AFM and soon began speaking with Laura and Pedro, both tax advisers at AFM. They couldn't have been more helpful and soon had everything sorted. What I thought was a worry evaporated! It was a lovely feeling and left me thinking, why didn't I speak to them earlier! They also gave me so much help with my affairs in the UK, and for all those things, I'm very grateful. So I now have great accountants and amazing lawyers, and I feel very at ease. Something that is so important when you start a new life in a different country, but still have connections with the other. I have now met two lovely people, whom we now class as friends.
melody k
3 months ago
In the last 2.5 years I have worked with different experts at AFM and every single one has been amazing. My NHR application was managed successfully by Emanuela Margarido, my car registration has been organized by Sara Cardoso and my annual tax declaration is handled by the amazing Laura Felisberto. The three ladies have been extremely knowledgeable, very friendly and absolutely trustworthy. Everything went smoothly, timely and was approved by the tax authorities - it´s so good to not have to worry about anything. I have been in the best hands since my first day in Portugal and I look forward to continue the great collaboration with the AFM team. Muito Obrigada!
Barbara G.
5 months ago
We were recommended the tax services at AFM by a friend and, being new to the complexities of Portuguese finances, we are so glad that we contacted them as the professional advice and assistance given to us to navigate through the processes has been invaluable! We had a very successful face to face meeting with Pedro Nascimento & Duarte Jesus which provided us with essential advice and the necessary requirements to become tax residents. We left their office feeling confident in our decision to use their services
Many thanks
Many thanks
Emma R.
2 years ago
AFM have been providing accounting services for Casa Serviço since January 2017 and I only wished that we had discovered them sooner.
Their level of expertise and team work is absolutely above and beyond any other company we have come across in the last 35 years of Casa Serviço.
The Tax system in Portugal can be quite challenging at times but with AFM’s proactivity, prompt, clear and understandable communication, I must admit that I do sleep a lot better at night.
Fátima and Ricardo and their AFM team are simply fantastic and I would highly recommend their services. I would also like to send a special thank you to Soraia, their team leader, who always keeps me on my toes.
Their level of expertise and team work is absolutely above and beyond any other company we have come across in the last 35 years of Casa Serviço.
The Tax system in Portugal can be quite challenging at times but with AFM’s proactivity, prompt, clear and understandable communication, I must admit that I do sleep a lot better at night.
Fátima and Ricardo and their AFM team are simply fantastic and I would highly recommend their services. I would also like to send a special thank you to Soraia, their team leader, who always keeps me on my toes.
Jack S.
2 years ago
I cannot recommend All Finance Matters enough. I have used the legal and tax services for my move to Portugal and everyone on the team has been so responsive and knowledgeable. I will be staying with AFM for my future tax services when I move in a few months, and if I need any other legal services as well. There is no reason to make a move harder than it needs to be, and getting all my services under one roof has been a big relief. I am very grateful to AFM. Obrigada.
Alan A.
2 years ago
My wife and I moved to Portugal a year ago. Moving to a new country that has been so welcoming to us requires many adaptations, one of them being how and what to do when it comes to filing with the Portuguese tax authorities. It is a privilege for us to be here and we recognize the importance of filing our taxes in a timely manner and correctly. Having now filed our taxes for the first time using All Finance Matters and seeing the filing on paper, we know that it would have been a nightmare to attempt it on our own. Thank you All Finance Matters and your terrific staff (Liliane and her team) for being great at what you do. We'll see you next year.
Mark J.
2 years ago
My wife and I are new to living in Portugal and when we had tax questions, a friend referred us to Ricardo Chaves and the team at All Finance Matters (AFM). We couldn't be happier!!! Everyone at AFM has been friendly, understanding, professional and the communication has been exceptional. Our initial meeting with Ricardo was exactly what we needed - informative, reassuring, and since we're talking taxes, dare I say, enjoyable!! We look forward to a long relationship with All Finance Matters!
Gareth J.
2 years ago
Always impressed by the efficiency and care taken by the people at All Financial Matters.
aodan C.
2 years ago
Team are responsive, well informed and genuinely nice people to deal with. They are experts in their field and make complicated matters easy to comprehend and manage.
They have been an essential part of my Portuguese journey and I cannot recommend them highly enough .
They have been an essential part of my Portuguese journey and I cannot recommend them highly enough .
Rui M.
2 years ago
After paying capital gains taxes, AFM's dedication was able to secure a 50% refund that I was not expecting
Harry R.
2 years ago
AFM has handled our declaration and other financial matters for 10 years. Everything has been to our complete satisfaction. In addition, the staff are pleasant and helpful. In particular, Laura Felisberto has been flexible and very knowledgeable and has been able to represent us in contacts with the authorities.
Regge L.
2 years ago
I have nothing but wonderful things to say about All Finance Matters. From my first contact with them from Rome of all places! they guided me. When we finally met in Tavira, Joana was warm, patient and professional every step of the way. I recommend them highly
Rodrigo C.
3 years ago
We have been partners since the beginning of our company. Zero reasons to complain and lots of praise to give over all these years. Tireless follow-up. We haven’t forgotten the incredible support during the pandemic. Based on our experience, I highly recommend it.
Nieves G.
3 years ago
A fantastic seminar. It was enhanced by Ricardo Chaves witl a lot of real situations and examples that shows the big experience of AFM in taxes
Rachel S.
3 years ago
Great seminar, perfectly pitched. Thank you for your valuable inights and support to local property owners and management companies.
Heather S.
3 years ago
My husband and I cannot recommend All Finance Matters more highly enough. Through previous bad advice our taxes had got into a complete mess over several years relating to double taxation and thankfully we found the team at All Finance Matters who sorted it all out for us. I honestly do believe that if we hadn’t found them we still would have been in the dire situation that we were in. Thank you to everyone. You were incredible.
Principles
The foundation of our success is grounded in three core principles
Confidentiality
Confidentiality stands as a cornerstone at AFM. Our tax advisers adhere to a professional duty of safeguarding clients’ information, disclosing details only when legally obligated to do so.
Integrity
Integrity, synonymous with honesty, is upheld in all relationships, be it with customers, tax authorities, or any other stakeholders. Our commitment to integrity ensures that our actions, whether commission or omission, are devoid of any intention to mislead.
Objectivity
Objectivity is a fundamental principle within our company. We pride ourselves on making judgments based on well-defined professional criteria, free from external influence, conflicts of interest, or prejudice. This commitment to objectivity ensures the quality of our decisions and actions.