Most people in the Algarve are paying far more in hidden investment fees than they realise. Matthias Spott, founder of Dots & Spotts Finance, helped one client identify they were losing over 5% annually to hidden charges - €5,000 a year on a €100,000 portfolio. His approach starts by finding what's already costing you money before building something better.

Matthias relocated to the Algarve two years ago after 17 years in the corporate world, and now works with expats and locals across the region to build individual wealth strategies based on their specific situation, risk profile, and goals. His philosophy is simple: financial education belongs to everyone, not just the wealthy.

Services cover the full spectrum of personal finance - from building your first investment strategy and understanding stock markets to retirement planning, Bitcoin and gold, and alternative assets like art, watches, wine, and whisky. Sessions are practical, jargon-free, and built around your situation. Matthias works with complete beginners through to clients managing multi-million portfolios.

Dots & Spotts Finance operates on a flat fee, no percentage commission model - so the advice you get is always in your interest, not theirs. First call is free with no obligation.