EN
Our Regulation in the EU
Our compliance and regulation protects the future you work for, guiding your financial journey to help you achieve your goals.
As an independently owned firm, PLU takes our regulations very seriously. It is designed to protect our clients and ensure that the advice and services they receive are delivered within a clear, professional and compliant framework.
Direct EU Regulation
PLU Financial operates through its wholly owned regulated European entities; its home regulator is in Portugal, with Freedom of Services to advise clients throughout the EU.
Our Portuguese Regulated Entities – (Trading as PLU Financial)
Xborder Partners Wealth — is authorised and supervised by the Comissão do Mercado de Valores Mobiliários — CMVM, registration number 596 for investment services and is listed on the CMVM Website.
Our CMVM authorisation allows us to provide investment services in accordance with Portuguese law and the wider EU Markets in Financial Instruments Directive under MiFID II.
Xborder Partners Insurance Brokerage — is licensed by the Autoridade de Supervisão de Seguros e Fundos de Pensões — ASF, registration number 626596053 for insurance distribution activities and is listed on the ASF Website.
The ASF is the Portuguese authority responsible for supervising insurance, reinsurance, pension funds and insurance mediation activities. Our ASF licence allows us to provide insurance distribution services in accordance with Portuguese law and the wider EU Insurance Distribution Directive — IDD.
What This Means for Our Clients
This regulatory structure means that our clients benefit from direct regulatory oversight, supported by the wider EU financial services framework.
Our regulated entities are required to follow rules covering client information, suitability, transparency, conflicts of interest, complaints handling, professional standards and ongoing compliance monitoring.
We believe this provides our clients with confidence that the advice and services they receive are subject to appropriate regulatory standards.
Where Next?
Wealth Management
Providing a comprehensive approach to managing your finances. Forming strong, lasting relationships that help you achieve your goals and financial wellbeing.
Pension Advice
Your best interests are our priority. Our advice on your pension will be clear, trustworthy and jargon-free, ensuring that what is best for you is central to what we do.
International Financial Planning
Supporting our clients, wherever they may be. If you’re living abroad, our team will be there to aid you at every turn.
Retirement Planning
Putting your retirement needs first. A key part of retirement is being able to relax and enjoy the fruits of your labour.
Inheritance and Succession
When it comes to inheritance and succession planning, it’s vital to have a clear understanding of the laws and legislation that impact your wealth, which is where our experts can help.
Tax Planning
Understanding your financial situation and how that impacts your tax liabilities is central to the advice and tax planning services that we deliver.
Repatriation Services
We proudly provide continued support and advice to our clients, wherever they are in the world, to ensure that their assets are protected.
Talk to an Adviser
Understand how your future can benefit from our financial planning services
