The MFG Consultants Residency & Investment Alignment Framework™

Our framework is built around five core pillars. Each pillar is assessed independently and collectively.

None are optional.

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1. Regulatory Alignment

Residency first. Always.

We assess whether each solution is fully aligned with Portuguese residency legislation and its practical application over time. This includes robustness to regulatory changes, clarity of eligibility criteria, and consistency with the full residency horizon.

 

Key principle:
Residency requirements must drive the structure of the investment, not the other way around.

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2. Capital Structure & Risk Control

Understand where the risk actually sits.

We analyse how capital is structured, where risk is concentrated, and how downside scenarios behave. This includes leverage exposure, dependency on valuation cycles, and sensitivity to external market conditions.

 

Key principle:
Risk must be explainable, measurable, and intentional. Hidden or poorly defined risk is unacceptable.

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3. Liquidity & Exit Visibility

How, when, and under what conditions capital returns.

We evaluate exit mechanisms, liquidity constraints, and the alignment between the investment lifecycle and the residency timeline. Particular attention is given to scenarios where residency objectives are completed before capital is released.

 

Key principle:
Liquidity is not a promise. It is a structural feature.

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4. Governance & Execution

People, process, accountability.

We assess governance quality, decision-making processes, reporting standards, and execution capability. Strong assets and sound strategies fail without disciplined governance and operational oversight.

 

Key principle:
Execution risk is often greater than market risk.

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5. Client Objective Fit

No two investors are the same.

Every recommendation is tested against the client’s specific profile, including risk tolerance, time horizon, family considerations, geographic exposure, and long-term planning objectives.

 

Key principle:
A good investment misaligned with the client’s objectives is a poor decision.

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Framework Output

Each opportunity assessed under the MFG framework results in a clear outcome:

• Aligned

• Conditionally Aligned

• Not Aligned

This classification is supported by objective rationale across the five pillars and an explicit articulation of trade-offs where applicable. Where alignment is partial or absent, alternative pathways are explored.

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What This Means for Clients

• Decisions are governed, not improvised

• Trade-offs are explicit, not hidden

• Advice remains consistent across market cycles

• Capital, residency, and long-term planning are treated as a single strategic decision

This approach allows clients to proceed with confidence, clarity, and full awareness of the implications of each choice.

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Our Commitment

The MFG Residency & Investment Alignment Framework™ is not a marketing construct. It is the internal standard by which we operate and the reference point against which we hold ourselves accountable.

It reflects our belief that sophisticated decisions require structure, discipline, and independence.

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