Ingenium Financial is an independent financial advisory firm based in Portugal, providing financial planning and investment advice to expatriates and internationally mobile clients in the EU. Its services are led by founder and senior financial planner Phil Morris, a UK- and EU-qualified Chartered member of the Chartered Institute for Securities & Investment, with experience in financial advisory and asset management. The firm states that it operates under a MiFID II licence, providing regulated advice focused on transparency and investor protection.

Ingenium Financial offers personalised financial plans, investment and portfolio management, pension advice and restructuring, and strategies for investing surplus capital. Its specialist guidance includes tax-efficient investment structures for Portugal, planning around NHR status and pensions, mitigating Portuguese property capital gains, and addressing UK inheritance tax for residents overseas. The advisory process begins with a complimentary consultation, followed by an assessment of a client’s circumstances and objectives, development of a tailored plan, and ongoing reviews.