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    Personal Presence Architecture — Residency Design for HNWI

    Where you live,
    bank, and pay tax —
    by design.

    Geographic presence is not a default. It's a decision. Stage 01 delivers the architecture. Stage 02 makes it real — across the jurisdictions that fit your life.

    €30K
    Stage 01 — Personal Presence Architecture
    4–6
    Weeks to your Presence Map
    €30K+
    Stage 02 — Realisation, per jurisdiction
    1
    Partner. You talk to us, not to 12 lawyers.

    Who This Is For

    Capital moves.
    Presence should too.

    We work with individuals and families who have already built something — and now need their personal geography to reflect that, not contradict it.
    Founder restructuring presence

    Business restructuring, personal residency redesign. One decision affects the other. We design both — simultaneously or separately.

    Family seeking Plan B

    Second residency before you need it. EU access, backup passport track, jurisdictions your family can actually live in.

    Capital owner

    Assets in one jurisdiction, risk concentrated. Banking fragile. A presence architecture separates what should be separated.

    International entrepreneur

    Business already runs across borders. Personal presence hasn't caught up. Tax residency by accident is a liability.

    Who We Don't Take On

    We are selective. Not every situation benefits from a strategic engagement at this level — and we'd rather say so upfront.

    ✕Those looking for the cheapest jurisdiction, not the right one
    ✕Clients seeking free consultations before deciding if they have a budget
    ✕Anyone without capital or decision authority to execute

    The Framework

    The Five Flags Strategy.
    One architecture.

    Most advisors optimise one flag. A tax adviser handles tax residency. A migration lawyer handles visas. A banker handles accounts. Nobody looks at all five simultaneously — and the interactions between them are where the real decisions happen.
    01
    Flag of Protection

    Citizenship

    Your passport portfolio. Primary citizenship, backup options, naturalisation timelines. The foundation everything else rests on.

    02
    Flag of Efficiency

    Tax Residence

    Where you file and what rate you pay. Tax residency planning is the highest-impact flag in personal presence architecture. 0–10% is achievable; most pay 30%+ by default.

    03
    Flag of Operations

    Business Base

    Where your company sits. Not necessarily where you live. The corporate flag interacts with your personal one — both must be designed together.

    04
    Flag of Protection

    Asset Haven

    Where your wealth is protected. Separate from operations, separate from your residence. Beyond the reach of litigation and creditors.

    05
    Flag of Lifestyle

    Playground

    Where you actually want to be. Climate, culture, language, schools. The flag most people start with — but it shouldn't drive the other four.

    What agencies do

    Select a program that fits their commission structure. File your application. Hand you a visa. Move on.

    What strategy firms do

    Build you a plan. Give you a list of lawyers. Leave you to coordinate 12 professionals across 5 countries yourself.

    What Forma Flaga does

    Architect all five flags simultaneously. Vet and select the partners. Manage them through execution. You have one contact.

    Global Coverage

    Residency Jurisdictions —
    Golden Visa, Tax Residency & Asset Protection.

    We architect your presence across the jurisdictions that fit your profile — not the ones that pay us a commission. Each program below is current as of 2026 and independently verified.
    01 — Europe
    Greece
    Golden Visa
    Henley #1 · 2025
    Investment
    €400K–€800K
    Real estate
    Timeline
    12–14 mo
    Processing (blue cert. in weeks)
    Tax
    Territorial opt.
    Non-dom regime
    €800K in Athens, Thessaloniki, Mykonos, Santorini + islands with population over 3,100 (incl. Crete, Rhodes) · min 120 m²
    €400K in all other Greek regions · min 120 m²
    €250K for commercial-to-residential conversion — no area restriction · most popular route in 2026
    Schengen access · No mandatory stay · Citizenship at 7 years (requires 183 days/year actual residence + Greek language exam)
    Portugal
    Golden Visa · D7
    Henley joint 3rd
    Investment
    €500K
    Approved funds
    Stay req.
    7 days/yr
    Minimum (visa); 183 days for IFICI tax
    Tax
    20% flat
    IFICI · 10 years · high-skilled only
    No real estate route since October 2023 — fund investment only
    D7 passive income visa: no investment, ~€920/month income proof
    IFICI tax regime (NHR 2.0): 20% flat — requires high-skilled sector (tech, science, innovation) and 183 days/year in Portugal. Not available for retirees.
    Permanent residency at 5 years · Citizenship at 10 years (7 years for CPLP nationals)
    02 — Middle East
    UAE
    Golden Visa · 10-Year
    Tax: 0% permanent
    Henley Joint 2nd · 2026
    Investment
    AED 2M
    Real estate (mortgaged OK)
    Visa term
    10 years
    Renewable, no stay req.
    Tax
    0%
    Personal income, permanent
    Processing
    30 days
    Fast-track available
    Key 2026 updates
    Mortgaged properties now qualify
    As of Feb 20, 2026 — only total property value must reach AED 2M. Loan-to-value up to 80–85% accepted.
    All visas standardised to 10 years
    Previous 5-year and 10-year tiers eliminated in 2023 reforms. One single 10-year renewable visa.
    Family sponsorship — no limits
    Spouse, children of any age, unlimited domestic helpers. No family member cap under 2026 rules.
    Henley scores perfect 10/10 on tax
    UAE is one of two countries with maximum tax score in Global Residence Program Index 2025.
    Corporate tax: 9% on profits above AED 375K
    Personal income remains 0%. Founders with operating companies pay 9% on business profits exceeding AED 375,000/year (~$102K). Holding structures and dividends are not affected.
    03 — Latin America
    Paraguay
    Permanent Residency
    Fastest in region
    Investment
    $0 / $150K
    Temp ВНЖ free · Investor Pass instant PR
    Timeline
    2–6 mo
    Depending on route
    Tax
    0%
    Foreign income, permanent
    Territorial tax: 0% on all foreign-sourced income — permanently, no time limit
    Two routes: free temporary residency (2–6 months) or Investor Pass for immediate permanent residency from $150K
    Naturalisation after 3 years of permanent residency — requires actual residence + Spanish exam (A1–A2)
    Ideal as fast-launch base while EU or Asia track is in progress
    Uruguay
    Tax Residency · Stability
    0% · 11 years
    Income proof
    $1,500/mo
    Min for individuals
    Timeline
    6–12 mo
    Full process
    Tax holiday
    11 years
    0% on foreign income
    0% on all foreign-sourced income for first 11 years — extended to 11 years by Ley 20.446 (2024). Holiday activates from the first day of tax residency.
    Tax residency threshold: 183 days/year physical presence OR $2M+ investment in Uruguay (Ley 20.446). Below both thresholds — no holiday.
    Strongest banking stability in Latin America — OECD-compliant
    Citizenship at 3 years (married to Uruguayan or with minor children) or 5 years (single) — counted from first legal entry into Uruguay
    04 — Asia-Pacific
    Thailand
    LTR Visa · Elite Visa
    LTR Investment
    $500K
    Bonds/property/funds
    Visa term
    10 years
    Renewable
    Tax on foreign income
    0%
    LTR holders exempt
    Elite (no investment)
    $18.7–43K
    Bronze / Gold / Platinum (2026)
    LTR: 0% on foreign income — only LTR holders are explicitly exempt
    Elite Visa 2026 pricing: Bronze $18,700 · Gold $25,900 · Platinum $43,200. Pure lifestyle, no investment, VIP airport services.
    Elite tax warning: holders spending 180+ days/year in Thailand now taxed on foreign-sourced income at up to 35% — only LTR avoids this
    Warm climate, world-class healthcare, low cost of living
    Singapore
    Global Investor Programme
    Business entity
    SGD $10M+
    Immediate PR
    Fund investment
    SGD $25M+
    Approved fund
    Family office AUM
    SGD $200M+
    Single-family office
    Citizenship
    2 years
    After PR — no dual
    Most prestigious Asia-Pacific residency — immediate permanent residency via GIP
    Territorial tax: most foreign-sourced income broadly exempt for residents
    No dual citizenship — Singapore citizenship requires renouncing all other citizenships
    Sons born to citizens or PRs are subject to National Service (2 years military obligation)
    Malaysia
    MM2H · PViP
    PViP income
    MYR 40K/mo
    ~$9,700/month
    PViP deposit
    MYR 1M
    Fixed, Malaysian bank
    Visa term
    20 years
    Renewable, PViP
    Tax exemption
    To 2036
    Foreign income exempt
    Foreign income tax exemption extended to 31 Dec 2036
    MM2H: 3 tiers (Silver/Gold/Platinum) — more accessible entry points
    MM2H mandatory stay: 90 days/year minimum (updated 2024) + mandatory property purchase during permit period
    Lower cost of living than Singapore, strong infrastructure

    Program data verified April 2026. Investment thresholds, tax rules, and processing times change — sometimes without notice. Actual recommendation confirmed during Stage 01 architecture, where we model your specific profile against current program requirements.

    The Two Stages

    First we design.
    Then we build.

    Every engagement starts with architecture — a complete Presence Map you own regardless of what comes next. Only after you approve the design do we move to execution.

    Stage 01 — Standalone Engagement

    Personal Presence Architecture

    A rigorous design process across all five flags. We diagnose your current situation, model 2–3 jurisdiction scenarios, vet the partners you'll need, and deliver a Presence Map ready for implementation — with any team, or with us.

    €30,000
    Fixed fee · 4–6 weeks delivery
    Stage 01 is complete on its own. You decide what's next.

    What's included in the Presence Map

    Full diagnostic: citizenship, residency, banking, tax exposure
    2–3 jurisdiction scenarios with tax modelling per scenario
    Banking map: accounts, jurisdictions, functions
    Vetted partner shortlist per jurisdiction
    Risk matrix — what each program hides and how to mitigate it
    Asset protection strategy across flags
    Implementation roadmap — use with any team
    Presence Map delivered in 4–6 weeks
    Decision point
    After Stage 01 — you choose what's next
    Stop here — Implement independently
    Continue to Stage 02 Realisation

    Stage 02 — Optional Next Step

    Realisation

    We implement everything in the Presence Map. We coordinate the migration lawyers, banking partners, and local advisors across every jurisdiction. You talk to us — we manage the network.

    from €30,000
    Per jurisdiction · Govt fees billed separately · Begins after Stage 01 approval

    What we coordinate

    Migration partner selection and management per jurisdiction
    Bank account opening: 2–3 accounts across jurisdictions
    KYC, source-of-wealth documentation, compliance filing
    Real estate selection (where program requires investment)
    Document translation, legalisation, government submissions
    Local legal representation through vetted counsel
    End-to-end coordination — you have one point of contact
    Begins after Stage 01 approval
    Bundle — For Founders
    Personal + Corporate Architecture simultaneously

    Redesigning your company and your personal presence at once? Both tracks, one team, coordinated from the start.

    ~€80,000
    €30K personal + €50K corporate

    Presence Comparison

    Before.
    After.

    Unstructured personal presence
    ✕
    Tax residence: wherever you landed
    By default, by accident. Not because it was optimal. Paying 30–40% when 5–10% was available.
    ✕
    One passport, one jurisdiction
    No backup. No mobility optionality. If the border closes, there is no Plan B.
    ✕
    Banking: 1–2 accounts, high freeze risk
    All liquidity in one place. One bank's compliance decision can freeze operations.
    ✕
    Assets exposed to operating risk
    Wealth and business risk in the same legal wrapper. A creditor can reach everything.
    Forma Flaga presence architecture
    ✓
    Tax residence: chosen, not inherited
    0–10% effective rate. Jurisdiction selected for your income profile, asset base, and mobility needs.
    ✓
    2–3 jurisdictions, each with a function
    Primary residence, backup residency or citizenship track, and an asset haven — three flags, one coherent strategy.
    ✓
    3-account banking system, 2+ jurisdictions
    Operational, reserve, custodial — each account has a function. Redundancy built in from the start.
    ✓
    Assets ring-fenced from operating risk
    Foundation or trust structure holds wealth separately. Litigation in the business cannot reach personal assets.

    How We Work

    From first call to
    structured presence.

    No fee. No obligations on the discovery call.

    Get in Touch

    Discovery Call

    30 minutes. We understand your current structure, passport situation, banking, and what you're trying to achieve. No pitch — a real conversation.

    30 min · No fee · No obligations

    Stage 01

    Presence Architecture

    4–6 weeks. Full diagnostic, jurisdiction scenarios, tax modelling, partner vetting, risk matrix. Delivered as your Presence Map.

    €30,000 · Fixed fee

    Stage 02

    Residency Realisation

    We coordinate. Migration partners, bank introductions, document preparation, local counsel. You have one contact across all jurisdictions.

    from €30,000 / jurisdiction

    The Deliverable

    The Presence Map.

    At the end of Stage 01, you receive the Presence Map — a structured document covering all five flags, ready for independent implementation or for Stage 02 execution with our team.
    01Jurisdiction scenarios ranked by fit (2–3 options)
    02Tax model per scenario — effective rate, treaty analysis
    03Banking map: accounts by function and jurisdiction
    04Vetted partner list with notes (per jurisdiction)
    05Risk matrix: program-specific risks and mitigations
    06Asset protection strategy across flags
    07Implementation roadmap for Stage 02
    Presence Map — Confidential
    Stage 01 Output
    Jurisdiction Scenarios
    Tax Model
    Banking Strategy
    Forma Flaga · Confidential
    Page 1 of 36

    Jurisdiction Match

    Which jurisdiction
    fits your profile?

    Three questions. A directional starting point based on current programs — not a prescription. Full recommendation confirmed in Stage 01 architecture.

    Step 01 / 03 — What matters most

    What is the primary goal of your new residency?

    Residency Jurisdiction Profiles by Goal

    Best residency for EU citizenship track — immediate need

    Paraguay offers two routes: free temporary residency processed in 2–6 months, or the Investor Pass for immediate permanent residency from $150,000. Territorial tax at 0% on all foreign-sourced income permanently. Strong passport mobility to launch an EU track in parallel. Portugal D7 visa requires passive income proof of approximately €920/month. Portugal IFICI tax regime offers 20% flat rate for 10 years for high-skilled sectors (tech, science, innovation) and requires 183 days per year in Portugal.

    Best residency for EU citizenship track — planned timeline

    Greece Golden Visa ranked #1 globally by Henley & Partners 2025. Investment routes: €800K real estate in Athens, Thessaloniki, or islands; €400K in other Greek regions; €250K for commercial-to-residential conversion. No mandatory stay. Schengen access. Citizenship eligible after 7 years. Portugal Golden Visa via fund investment from €500K. IFICI tax regime 10 years. EU citizenship track at 10 years. Minimum 7 days per year physical presence.

    Best residency for tax optimisation — UAE connections

    UAE Golden Visa: 0% personal income tax permanently. 10-year renewable visa. AED 2M real estate (mortgaged properties qualify as of February 2026). No mandatory stay. Henley perfect 10/10 tax score. 9% corporate tax on business profits above AED 375,000 — personal income remains 0%. Paraguay territorial tax: 0% on all foreign income permanently, no time limit. Two routes: free temporary residency or Investor Pass from $150K for immediate permanent residency.

    Best residency for tax optimisation — Latin America connections

    Uruguay 0% on foreign-sourced income for first 11 years of tax residency under Ley 20.446 (2024). Tax holiday activates from first entry. Threshold: 183 days per year physical presence OR $2M+ investment in Uruguay. Processing 6–12 months. Strongest banking stability in Latin America, OECD-compliant. Paraguay territorial tax: 0% on foreign income permanently with no 11-year limit. Fastest process: 2–6 months.

    Best residency for asset protection

    Uruguay offers the strongest asset protection framework in Latin America. Political and economic stability, bank secrecy tradition, OECD-compliant but protective. 0% on foreign income for 11 years. Greece provides EU-backed legal system, real estate as appreciating asset class, Schengen mobility, and Henley #1 ranked Golden Visa for 2025 via €800K Athens or €400K regional investment.

    Best residency for speed — fastest second residency options

    Paraguay offers the fastest residency globally via two routes: free temporary residency processed in 2–6 months, or Investor Pass for immediate permanent residency from $150,000. Territorial tax at 0% on all foreign income permanently. Naturalisation after 3 years of permanent residency — requires actual residence and Spanish language exam at A1–A2 level. UAE Golden Visa processing: approximately 30 days for qualifying investors. AED 2M real estate or AED 30,000 per month salary. 10-year residency. 0% personal income tax.

    Best residency for Asia-Pacific lifestyle — tax residency planning

    Thailand LTR Visa: $500,000 investment in bonds, property, or funds for 10-year residency with 0% on foreign-sourced income. Thailand Elite Visa 2026 pricing: Bronze $18,700, Gold $25,900, Platinum $43,200 — lifestyle visa with no investment required. Important: Elite visa holders spending 180 or more days per year in Thailand are now taxed on foreign-sourced income at up to 35%. Only LTR visa holders are explicitly exempt. Singapore Global Investor Programme: SGD $10M+ business entity, SGD $25M+ approved fund, or SGD $200M+ family office AUM for immediate permanent residency. Citizenship eligible after 2 years. No dual citizenship — Singapore requires renouncing all other citizenships.

    Case Studies

    HNWI Residency Architecture
    in Practice.

    All cases anonymised. Profile details and outcomes are accurate; identifying information removed by agreement.
    Case 01 · Founder, Gulf exit
    UAE → Paraguay + Greece

    Tech founder, $5M revenue. UAE Golden Visa not renewed. Needed immediate residency while building EU anchor for family. Business restructuring running in parallel.

    Paraguay: temporary residency in 68 days (Investor Pass available for immediate PR from $150K)
    Greece Golden Visa: €400K property (regional, not Athens)
    Tax: 0% on foreign income — territorial (Paraguay) in parallel with IFICI planning
    Banking: 3 jurisdictions including UAE retained for operations
    Stage 01 + Stage 02 · 2 jurisdictions · parallel track · 11 months total
    Case 02 · Family, Plan B
    CIS → Greece + Uruguay

    Manufacturing group, €12M personal assets. Single passport, geopolitical exposure. Family of four. Needed EU residency without mandatory relocation and a stable banking jurisdiction.

    Greece Golden Visa: €800K Athens — Henley #1 program globally
    Uruguay: residency 9 months, 0% on foreign income for 11 years
    Banking: accounts in Uruguay (stable), Greece (EU access), Dubai (operations)
    No mandatory stay in either jurisdiction — full mobility preserved
    Stage 01 only · Family executing Stage 02 with our vetted partner list
    Case 03 · Investor, capital diversification
    Western Europe → UAE + Paraguay

    HNWI, €18M portfolio. Two EU passports, single banking jurisdiction. Wanted permanent 0% tax residence and banking across 3+ jurisdictions without complex compliance.

    UAE: 10-year Golden Visa, AED 2M property, 0% personal tax
    Paraguay: territorial tax backup, 0% on foreign income — no 11-year limit
    Banking: 4 jurisdictions — UAE, EU, Uruguay, Singapore
    Legal entity: ADGM structure for asset separation from operating risk
    Stage 01 + Stage 02 · 2 jurisdictions · 10 months total

    Partner Network

    We don't have a program
    to sell you.

    We have a vetted partner network to deploy for you. We select them, negotiate the terms, manage the delivery, and hold them accountable. You don't manage 12 professionals across 5 countries — we do.
    Portugal

    Fund route €500K · D7 passive income visa · IFICI tax 20% flat for 10 years · Citizenship path at 10 years · 7 days/year minimum stay

    Greece

    Henley #1 globally (2025) · €800K Athens/Thessaloniki/islands · €400K other regions · No mandatory stay · Schengen · Citizenship at 7 years

    Uruguay

    0% on foreign income — 11 years · ~$1,500/month income proof · 6–12 months processing · OECD-compliant, banking-strong

    Paraguay

    Two routes: temp residency (2–6 mo, free) or Investor Pass (immediate PR, from $150K) · 0% on foreign income permanently · Naturalisation after 3 years (actual residence + Spanish A1–A2)

    UAE

    10-year Golden Visa · AED 2M real estate (mortgaged qualifies from Feb 2026) · 0% personal tax permanently · 30-day fast-track available

    Asia-Pacific — In Pipeline
    Thailand

    LTR Visa $500K · 10-year residency · 0% on foreign income · Thailand Elite from $25K (no investment)

    Singapore

    GIP SGD $10M+ · Immediate PR · Citizenship at 2 years · Territorial tax — foreign income broadly exempt

    Malaysia

    PViP 20-year visa · MYR 1M deposit + MYR 40K/month income · Foreign income exemption to 2036

    Partner network is actively expanding. Every partner is vetted personally before we deploy them for a client — we do not work with firms we have not verified through a live engagement.

    Your presence,
    by design.

    30-minute discovery call. No fee. No obligations.

    Schedule a Discovery Call
    30 min
    Discovery call · No fee · No obligations
    4–6 weeks
    To your Presence Map from contract
    1 partner
    Across all jurisdictions — no managing 12 lawyers