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# Henry Kent

Qualified, regulated, financial planning for expats.

## Sitemaps

- [XML Sitemap](https://henrykent.com/sitemap.xml): Contains all public & indexable URLs for this website.

## Posts

- [News & Updates](https://henrykent.com/news-updates/) - Blog
- [Understanding France’s 7.5% Tax Rate on UK Pensions](https://henrykent.com/france-7-5-pension-tax/) - A guide on how UK pensions are taxed in France, how the 7.5% rate works and what to consider when drawing pension income as a French resident.
- [How a Free Financial Review Works – and What to Expect](https://henrykent.com/free-financial-review-expats-portugal-spain/) - Get clear, regulated advice with a free financial review for expats in Portugal & Spain. Understand the process from first consultation to ongoing support.
- [How Portugal’s Tax Blacklist Hits Expat Investors With 35% Tax and How to Avoid It](https://henrykent.com/portugal-tax-blacklist-35-percent-expat-investors/) - Portugal tax blacklist: see the full list of blacklisted jurisdictions, the 35% tax hit on investments, and how expats can restructure efficiently.
- [Brussels IV in Spain: A Complete Guide for Expats Who Want Control of Their Estate](https://henrykent.com/brussels-iv-in-spain-a-complete-guide-for-expats-who-want-control-of-their-estate/) - Understand how Brussels IV helps expats in Spain avoid forced heirship and plan their estate effectively while considering Spanish inheritance tax.
- [How to invest in Spain (2025 Guide)](https://henrykent.com/how-to-invest-in-spain-2025-guide/) - Discover the best ways of investing in Spain as an expat. From bonds to ETFs, plus tips on reducing tax and growing your wealth.
- [Tax Mistakes Brits Should Avoid When Retiring in Portugal](https://henrykent.com/tax-mistakes-brits-should-avoid-when-retiring-in-portugal/) - Discover essential tax mistakes to avoid when retiring in Portugal. Learn about tax residency, pensions, wealth tax, and capital gains for expats
- [Brussels IV in Portugal: What Expats Need To Know About Wills & Estate Planning](https://henrykent.com/brussels-iv-portugal-estate-planning/) - Understand how Brussels IV affects your Will in Portugal. Learn how expats can protect their estate and avoid forced heirship laws.
- [Investing as an Expat in Portugal](https://henrykent.com/investing-as-an-expat-in-portugal/) - Investing as an Expat in Portugal: A breakdown of high street banks, international investments, Stocks & Shares, and Portuguese Compliant bonds.
- [Financial Planning for British Expats in Spain: A Complete Guide](https://henrykent.com/financial-planning-for-british-expats-in-spain-a-complete-guide/) - Financial guide for British expats in Spain: Manage UK pensions, ISAs, and investments under Spanish tax law. Maximise returns with the right structures.
- [How to Avoid Capital Gains Tax When Selling Property in Portugal](https://henrykent.com/how-to-avoid-capital-gains-tax-when-selling-property-in-portugal/) - Selling property in Portugal? Learn how to reduce Capital Gains Tax with reinvestment reliefs and simple, effective tax planning strategies.
- [Estate Planning for British Expats in Portugal: How to Avoid Inheritance Tax Under the New UK Rules](https://henrykent.com/estate-planning-for-british-expats/) - New UK inheritance tax rules from April 2025 will impact British expats. Discover how to protect your assets with tax-efficient strategies in Portugal.
- [What Happens When Your Non-Habitual Residency (NHR) Status Ends?](https://henrykent.com/what-happens-when-your-non-habitual-residency-nhr-status-ends/) - Is your Portuguese Non-Habitual Residency status ending? Learn what you can do now to help transition to the standard Portuguese tax system.
- [Prudential vs. Utmost: A Side-by-Side Comparison of Spanish-Compliant Bonds](https://henrykent.com/prudential-vs-utmost-spanish-compliant-bond-compare/) - Compare Prudential and Utmost Spanish-compliant bonds. Advantages, costs, growth rates, and more for British expats in Spain.
- [Portugal vs Spain for Expats: A 2025 Financial Comparison](https://henrykent.com/portugal-vs-spain-for-expats-a-2025-financial-comparison/) - Thinking about becoming an expat in Portugal or Spain? Just aren't sure which one? This financial comparison will help a lot. Just read and see for yourself.
- [Master The Modelo 720: Proven Guide for March 2025](https://henrykent.com/modelo-720-march-2025-guide/) - Unsure about the Modelo 720 March 2025 deadline? Learn who needs to file, what assets to declare, penalties, and how to optimise your tax in Spain.
- [How to Manage Foreign Inheritances in Spain: Expert Guide for Expats & Non-Residents](https://henrykent.com/how-to-manage-foreign-inheritances-in-spain-expert-guide-for-expats-non-residents/) - Confused about inheritance tax or gifting rules in Spain? Learn legal obligations, regional tax variations, and strategies for expats/non-residents.
- [Financial Planning for Portugal in 2025: Secure Your Future](https://henrykent.com/financial-planning-for-portugal-in-2025/) - Plan your financial future in Portugal for 2025. Learn about NHR tax benefits, capital gains tax, UK pensions, and estate planning strategies for expats.
- [Post-Election Market Trends: What Investors Need to Know About the U.S. Election](https://henrykent.com/market-impact-of-u-s-election-insights-strategies-for-investors/) - Explore how the U.S. presidential election impacts financial markets and learn strategies for navigating post-election investments

## Pages

- [Home](https://henrykent.com/) - Living abroad & worried about your pension, taxes or savings? Henry Kent is an independent, fixed-fee expat financial adviser. Book a free consultation.
- [Webinars](https://henrykent.com/webinars/) - Watch Henry's FREE webinars on tax-efficient financial planning, investment strategies, and retirement advice for expats. Gain insights to optimize your wealth
- [Currency Transfers](https://henrykent.com/currency-transfers/) - Explore secure and cost-effective currency transfer solutions for expats. Save on fees and manage your money efficiently while living abroad.
- [Portuguese Compliant Bonds](https://henrykent.com/portuguese-compliant-bonds/) - Discover tax-efficient investments in Portugal. Learn about Portuguese Compliant Bonds, the top choice for expats, reducing taxes by up to 60%.
- [Prudential Bond](https://henrykent.com/prudential-bond/) - Financial Adviser review of the Prudential Investment Bond for UK expats in Spain. Performance, tax advantages, and how it compares to other offshore bonds.
- [Fixed-Fee](https://henrykent.com/fixed-fee-financial-advice/) - Transparent, fixed-fee financial advice with no commissions or hidden costs. Get tailored investment solutions from an independent expat advisor.
- [Spanish Compliant Bonds](https://henrykent.com/spanish-compliant-bonds/) - Spanish Compliant Investment Bonds offer a tax-efficient investment with life assurance benefits, providing a way to protect and grow your wealth.
- [Portugal](https://henrykent.com/expat-financial-advice-portugal/) - Tax-efficient financial advice and tax tips for expats in Portugal. Portuguese Compliant investment solutions to optimise your wealth. Learn More.
- [Spain](https://henrykent.com/expat-financial-advice-spain/) - Tax-efficient financial planning and tax tips for expats in Spain. Spanish Compliant investment solutions to optimise your wealth. Learn More.
- [France](https://henrykent.com/expat-financial-advice-france/) - Tax-efficient financial planning and tax tips for expats in France. French-compliant investment solutions to optimize your wealth and retirement. Learn More.
- [Assurance Vie](https://henrykent.com/what-is-a-assurance-vie/) - Learn what an Assurance Vie is, how it works in France, its key benefits, tax rules, and why it’s a popular investment for expats and cross-border investors.
- [Prudential Assurance Vie](https://henrykent.com/prudential-assurance-vie-france/) - Explore the Prudential Assurance Vie France—tax-efficient, low-risk growth with smoothing, flexibility, and estate-planning benefits for expats living in France.
- [Wealth Management](https://henrykent.com/learn-about-wealth-management/) - A guide to understand how expat wealth management can help you secure your financial future. Book a free, online consultation.
- [International Financial Planning](https://henrykent.com/international-financial-planning/) - Expert International financial planning for expats in Portugal and Spain. Regulated, licensed advice on tax efficiency, pensions, and wealth growth.
- [Discretionary Fund Management](https://henrykent.com/discretionary-fund-management-services/) - Bespoke Discretionary Fund Management services for high-net-worth expats in Spain and Portugal. Expert investment strategies and global investment options.
- [Utmost Apex Bond](https://henrykent.com/utmost-apex-bond/) - Independent Review. Pros and cons of the Utmost Apex Portuguese Compliant Bond. Key features and benefits.
- [Utmost Spanish Bond](https://henrykent.com/utmost-spanish-bond/) - Explore the pros and cons of the Utmost Spanish Collective Investment Bond: a tax-efficient, flexible option for expats in Spain.
- [Need a second opinion?](https://henrykent.com/need-a-second-opinion/) - Need a second opinion on your investments? Expert portfolio reviews for expats in Spain & Portugal—assess fees, performance, and risk with clarity.
- [QROPS](https://henrykent.com/qrops/) - Breaking News: Major QROPS updates for 2025! The UK has removed the Overseas Transfer Charge (OTC) exemption for EEA and Gibraltar transfers, impacting expats worldwide.
- [International SIPP](https://henrykent.com/international-sipp-pension/) - An International SIPP is a personal pension for expats living or moving abroad. Get expert advice on transferring UK pensions to a flexible, FCA-regulated SIPP.
- [Novia International SIPP](https://henrykent.com/novia-international-sipp-review-expats/) - Explore the Novia International SIPP — a flexible UK pension solution for expats in Portugal, Spain, and across Europe.
- [About](https://henrykent.com/about/) - Discover Henry Kent, a Financial Adviser in Portugal with Holborn Assets. Offering expert financial advice to expats to manage wealth efficiently.
- [Contact](https://henrykent.com/contact/) - Reach out to Henry Kent for tailored financial advice on tax-efficient investments, retirement planning, and wealth management. Schedule a consultation today
- [Disclaimer](https://henrykent.com/disclaimer/) - Read our financial advice disclaimer. Learn about the general nature of information provided, data protection, and the importance of seeking personalised advice
- [Maintenance Page](https://henrykent.com/maintenance-page/) - The site is temporarily unavailable while we carry out maintenance. Please check back soon.
- [Cookie Policy (EU)](https://henrykent.com/cookie-policy-eu/)
- [Thank you](https://henrykent.com/thank-you/) - Your enquiry has been received. We'll review your details and contact you soon to discuss personalised financial solutions for expats.

## Templates

- [FOOTER SITEWIDE](https://henrykent.com/?elementskit_template=footer-sitewide) - Fixed-Fee, No Commissions EU-Qualified Adviser MiFID II Framework €35M Assets Under Management Henry Kent is a Senior Wealth Manager working in partnership with Holborn Assets, one of the largest wealth management consultancies in Europe. Resources Wealth Management International Financial Planning DFM Services Portuguese Compliant Bonds Spanish Compliant Bonds Assurance Vie International SIPPs QROPS Currency Transfers
- [SITEWIDE HEADER](https://henrykent.com/?elementskit_template=sitewide-header) - Need help managing and planning your expat finances? Book a Free Consultation now. Fixed-Fee, No Commissions EU-Qualified Adviser MiFID II Framework €35M Assets Under Management Countries Portugal Spain France Investments Assurance Vie Prudential Assurance Vie Wealth Management International Financial Planning Discretionary Fund Management Portuguese Compliant Bonds Utmost Apex Bond Spanish Compliant Bonds Prudential Bond Utmost

## Categories

- [Uncategorized](https://henrykent.com/category/uncategorized/)
- [Tax](https://henrykent.com/category/tax/)
- [Portugal](https://henrykent.com/category/portugal/)
- [Market Insights](https://henrykent.com/category/market-insights/)
- [Spain](https://henrykent.com/category/spain/)
- [inheritance tax](https://henrykent.com/category/spain/inheritance-tax/)
- [Spanish Compliant Bonds](https://henrykent.com/category/spanish-compliant-bonds/)
- [Portuguese Compliant Bonds](https://henrykent.com/category/portuguese-compliant-bonds/)
- [Brussels IV](https://henrykent.com/category/brussels-iv/)
- [Free Financial Review](https://henrykent.com/category/free-financial-review/)
- [Black List](https://henrykent.com/category/black-list/)
- [France](https://henrykent.com/category/france/)

## Tags

- [Tax](https://henrykent.com/tag/tax/)
- [Portugal](https://henrykent.com/tag/portugal/)
- [U.S. Election Impact](https://henrykent.com/tag/u-s-election-impact/)
- [Financial Markets](https://henrykent.com/tag/financial-markets/)
- [Investment Strategies](https://henrykent.com/tag/investment-strategies/)
- [Market Trends](https://henrykent.com/tag/market-trends/)
- [Spain](https://henrykent.com/tag/spain/)
- [Inheritance Tax](https://henrykent.com/tag/inheritance-tax/)
- [Spanish Compliant Bonds](https://henrykent.com/tag/spanish-compliant-bonds/)
- [Free Financial Review](https://henrykent.com/tag/free-financial-review/)
- [France](https://henrykent.com/tag/france/)
- [Pension](https://henrykent.com/tag/pension/)
- [7.5% Tax](https://henrykent.com/tag/7-5-tax/)