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Financial Advice Italy

INDEPENDENT FINANCIAL PLANNING

In Italy, the majority of financial advice available is not independent. Typically, people use a bank or an asset manager who sells a limited range of products. The nature of this model means that the financial advisor is working for an institution rather than working for you.

We created Valiant Wealth with an alternative model in mind. We are not tied to any bank or institution. We work for you, our client. As our remuneration does not come from an institution but is based on the value we add for you, our advice is never biased towards any one institution.

EXPATS AND INTERNATIONAL PEOPLE

We understand the needs of expats and international people in Italy because that’s who we are too.

Whether you’ve come to Italy to develop your career, run your own business (either locally or overseas) or to enjoy your retirement years, we have the experience and expertise to provide sound financial planning.

We fully understand the complexities of financial advice in Italy from both a local and a cross-border international perspective and can provide bespoke advice based on your own circumstances and future needs.

THE UNITED NATIONS

Being based in Rome means we are often approached for advice from employees of the United Nations. As a result we have a significant base of clients from the FAO, WFP and IFAD.

Some stay in Italy for a short time while others forge a more permanent presence and base their families here.

Working for the UN has many advantages but can also add unique challenges different from those faced by other expats. Through our years of experience we’ve acquired a unique insight and have built a solid set of suitable solutions.

US CONNECTED PEOPLE

American citizens abroad or even individuals with links to the United States can often find it challenging to find financial advice that is suitable and regulated.

There’s a significant population of American expats living across Italy who have faced this frustrating situation.

Through our network, we can provide the solutions you need. Our financial planning process can accommodate solutions provided by a SEC registered financial advisor.

ITALIAN PROFESSIONALS

We’re often approached by local Italians for independent financial advice as an alternative to the solutions provided by local banks and asset managers.

Our Italian clients tend to be internationally-minded professionals who realise that the importance of taking a global outlook with their financial planning.

We’ve helped Italian professionals with investment solutions and provide valuable advice for those who have worked in the UK to better manage their UK pensions.

The Age of the Italian Tax Incentive

From a tax perspective there has probably never been a better time to move to Italy, in modern history at least. In recent years Italy has been following Portugal and Cyprus’s lead and attempting to attract new residents made up of retirees, high net worth individuals...

Substitutive Tax Regime Attracts Wealthy Foreign Citizens to Italy

In 2017 Italy Finance Law introduced a flat rate of tax of €100,000 aimed at attracting high net worth foreigners to reside in Italy. The law states that new residents will pay only a flat lump sum tax of €100,000 in place of normal income tax. As with any new...

Have you left, or are you leaving, the UK with £1,000,000 in pensions?

Many professionals – both British and other nationalities – leave the UK to continue their careers abroad with pension savings which could create an extra tax for them in retirement. As companies react to fears around Brexit, many professionals are being relocated to...

How much do I need to save for my retirement?

Have you given thought to what the sunset years of your life will look like? If your dream is have the freedom to travel and have fun then you might need to take a good hard look at your financial situation today.   It all starts by asking yourself a few simple...

The Great Italian Tax Break – for new residents with foreign pensions (including Italians!)

The 2019 Italian Budget heralded good news in the form of a tax break for people with foreign income who have not been resident in Italy during the last 5 years and become resident in a town with a population of less than 20,000 in the regions of Sicily, Sardinia,...

Do UN employees need a Supplementary Pension?

We think not, which is not to say that UN employees do not need to save for retirement but the question should be what is the most suitable way for a UN employee to save for retirement? This article expands on one of the points we made in our previous article titled...

Private Pensions in Italy – The Second Pillar

Pensions in Italy, as with many things, are dominated by the state. The state is the primary provider for people in their retirement and the pension system (known as The First Pillar) is funded by social security contributions made by workers and employers. When...

QUESTIONS TO ASK A FINANCIAL ADVISOR

Questions to ask your Financial Advisor   This article delves into questions you should be asking your financial advisor. Whether you’re about to start speaking to an advisor or you are already working with one, it is absolutely imperative that they can provide...

TIPS FOR GETTING THE BEST POSSIBLE MORTGAGE DEAL IN ITALY

TIME TO SWITCH TO A FIXED RATE MORTGAGE? If you have a variable mortgage which has more than a few years to run then you could benefit greatly over the long term by shopping around for a fixed rate mortgage now, if you haven’t done so already. Clearly you will have...

UNDERSTANDING INPS

What is INPS? The National Institute of Social Security ( INPS ) is the main social security institution of the Italian public pension system, in which all public or private employees must be enrolled and most of the self-employed workers who do not have their own...

The Age of the Italian Tax Incentive

From a tax perspective there has probably never been a better time to move to Italy, in modern history at least. In recent years Italy has been following Portugal and Cyprus’s lead and attempting to attract new residents made up of retirees, high net worth individuals...

Substitutive Tax Regime Attracts Wealthy Foreign Citizens to Italy

In 2017 Italy Finance Law introduced a flat rate of tax of €100,000 aimed at attracting high net worth foreigners to reside in Italy. The law states that new residents will pay only a flat lump sum tax of €100,000 in place of normal income tax. As with any new...

How much do I need to save for my retirement?

Have you given thought to what the sunset years of your life will look like? If your dream is have the freedom to travel and have fun then you might need to take a good hard look at your financial situation today.   It all starts by asking yourself a few simple...

Do UN employees need a Supplementary Pension?

We think not, which is not to say that UN employees do not need to save for retirement but the question should be what is the most suitable way for a UN employee to save for retirement? This article expands on one of the points we made in our previous article titled...

Private Pensions in Italy – The Second Pillar

Pensions in Italy, as with many things, are dominated by the state. The state is the primary provider for people in their retirement and the pension system (known as The First Pillar) is funded by social security contributions made by workers and employers. When...

QUESTIONS TO ASK A FINANCIAL ADVISOR

Questions to ask your Financial Advisor   This article delves into questions you should be asking your financial advisor. Whether you’re about to start speaking to an advisor or you are already working with one, it is absolutely imperative that they can provide...

TIPS FOR GETTING THE BEST POSSIBLE MORTGAGE DEAL IN ITALY

TIME TO SWITCH TO A FIXED RATE MORTGAGE? If you have a variable mortgage which has more than a few years to run then you could benefit greatly over the long term by shopping around for a fixed rate mortgage now, if you haven’t done so already. Clearly you will have...

UNDERSTANDING INPS

What is INPS? The National Institute of Social Security ( INPS ) is the main social security institution of the Italian public pension system, in which all public or private employees must be enrolled and most of the self-employed workers who do not have their own...

Get in touch for a FREE consultation

We firmly believe that your location in the world should not be a barrier to receiving fair, independent and transparent financial advice that puts your needs first.

We work with clients across the globe and can offer you a FREE initial consultation wherever you are.

It all starts by getting in touch!

Simply complete the contact form and someone will be in touch for an informal chat to discuss how we can help.

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