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.

Unlike conventional service providers, 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.
Based on 44 reviews
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Emma RodgersEmma Rodgers
10:42 10 May 24
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.
Jack StoneJack Stone
12:37 09 May 24
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 AterAlan Ater
10:37 12 Apr 24
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 JacobyMark Jacoby
08:03 09 Apr 24
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 JonesGareth Jones
09:42 08 Apr 24
Always impressed by the efficiency and care taken by the people at All Financial Matters.
aodan coburnaodan coburn
08:43 04 Apr 24
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 .
Rui MoraoRui Morao
13:49 06 Feb 24
After paying capital gains taxes, AFM's dedication was able to secure a 50% refund that I was not expecting
Harry RamfeltHarry Ramfelt
16:25 03 Feb 24
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 LifeRegge Life
15:33 01 Feb 24
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 CabritaRodrigo Cabrita
19:46 22 Dec 23
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 GarciaNieves Garcia
19:25 30 Nov 23
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 SmartavillasRachel Smartavillas
19:53 27 Nov 23
Great seminar, perfectly pitched. Thank you for your valuable inights and support to local property owners and management companies.
Heather StretchHeather Stretch
12:01 27 Nov 23
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.


The foundation of our success is grounded in three core principles


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, 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 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.

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