AFM (All Finance Matters)

All Finance Matters (AFM) is an accountancy and tax advisory firm based at Largo das Sete Ruas in Tavira, led by CEO Ricardo Chaves, a chartered accountant with a background in raising corporate finance. The firm's multidisciplinary team, fluent in Portuguese, English, French and Spanish, specialises in supporting expatriates and businesses through Portugal's tax and legal system. Services include international tax consultancy, accountancy for individuals and businesses, fiscal representation, personal income tax (IRS) returns for expats, Alojamento Local (short-term rental) compliance for property owners, business start-up consultancy, tax dispute support, and mortgage and credit solutions. The firm advertises a 100% approval rate to date for applications under the IFICI scheme, Portugal's revised NHR 2.0 tax incentive. AFM holds a 4.7-star rating from 91 Google reviews, with clients repeatedly naming team members including Laura and Alexandre Guerreiro alongside Ricardo Chaves for their responsiveness and cross-border tax knowledge. The firm also operates a related mortgage brokerage, AFM Credito, and offers an online client portal for ongoing accounting and tax filing.