Portugal's Golden Visa
Is Open for Americans.
The smoothest path to immediate EU residency and your European passport. Use your IRA funds — 100% eligible.
American Families
Approval Rate
Per Year Required
EU Residency
What You Get From Day One
Schengen Zone Access
Travel visa-free across 27 European countries. France, Germany, Italy, Spain — no visa applications, no border checks.
EU Residency
Live, work, and study in Portugal and across the EU. Only 7 days per year presence required — keep your US life intact.
European Passport
Path to Portuguese citizenship — one of the world's most powerful passports. Visa-free access to 190+ countries.
The Portugal Golden Visa is obtained by investing
€500,000
into a Portuguese investment fund
The fund must be held for a minimum of 5 years. Your capital is invested in CMVM-regulated funds with professional management, transparent reporting, and full compliance with Portuguese and EU financial regulations.
CMVM-Regulated Funds
We Work With the Best Investment Funds
We partner with the most reliable and prosperous funds that suit any investor profile. A wide range of possibilities — we guarantee one fits perfectly into your investment strategy.
Investment funds can be sourced in the following manners:
Personal Funds
Invest directly from your personal savings — one or both spouses
Gifted Funds
Funds gifted from an outside source — family members, trusts, or other eligible donors
Borrowed Funds
Funds sourced through a mortgage, personal loan, or other credit facility
IRA Funds
Individual, joint (couple), or mixed IRA — 100% eligible for Golden Visa investment
What Makes Atrium Different for American Families
American Operations Since 2019
Not a European firm with a U.S. landing page. We operate licensed entities and teams in both the United States and Portugal, with intake, communication, and accountability standards built by Americans for investors everywhere.
IRA Money is 100% Valid
As a U.S.-operated firm, we understand the complexities of IRA structures and how to properly allocate retirement funds into Portuguese CMVM-regulated investment vehicles while helping clients avoid unintended U.S. tax consequences.
Full Family on One Application
Spouse, children, and even dependent parents can be included under a single qualifying investment. Because this is about more than residency — it’s about long-term family security, wealth preservation, and global positioning for the next generation.
From First Call to EU Residency Card
Clear, simple, guaranteed. We handle every step.
Free Consultation
30-minute confidential call. We assess your profile, goals, and IRA eligibility.
Fund Selection
We match you with the best CMVM fund for your financial situation and family.
Documentation
NIF, bank account, biometric appointment — we handle all the logistics.
EU Residency
Residency card approved. Schengen access active. Your European future starts.
The Only American Firm That Built the Portugal Operation Itself — Instead of Outsourcing It
"In 2017, I was ranked in the top 1% of real estate agents in the United States, operating at The Corcoran Group in the United States. Then I moved to Portugal. What I found was a market that American investors were almost completely ignoring — not because of lack of interest, but because every firm explaining the Golden Visa to Americans was a European firm speaking in European terms. They had no real concept of what a U.S. financial return looked like. I built Atrium to close that gap."
— Karen Kemp Aguiar Abud, CEO & Founder
For American investors, the Golden Visa process is not just about Portuguese residency law. It's about understanding how Portuguese investment structures interact with U.S. financial planning, reporting obligations, tax exposure, and long-term wealth strategy. Our process is built from the American financial perspective first — not added as an afterthought.
Atrium starts from the U.S. side. Before any fund is selected or capital is moved, we coordinate alongside your financial and tax advisors to evaluate fund structure considerations, reporting requirements, and state residency implications within your broader financial picture. We then manage the full process — including CMVM fund selection, Portuguese banking, AIMA filings, and the long-term citizenship pathway — with the communication, transparency, and accountability standards American clients expect.
This is not a referral business where clients are passed between disconnected providers. Atrium acts as your team from day one through citizenship.
Dual-Jurisdiction Accountability
Licensed and operating in both the U.S. and Portugal. When something needs to move in Portugal, we move it. No third-party reliance, no handoffs to firms we don't control.
CMVM Fund Due Diligence
We assure our recommended investment funds are CMVM compliant, money manager track records are reviewed, and all implications for U.S. investors are assessed — before you write a check.
U.S. Financial Coordination
Your IRA funds are 100% eligible for Golden Visa investment. Individual or joint, yours or your spouse's — Atrium structures the optimal fund strategy so your retirement savings work for your European residency.
Full Family Application Coverage
Spouse, dependent children, and qualifying parents can all be included in a single application at no additional investment requirement. We structure family applications from day one.
Portugal's Golden Visa Is the Safest Path to EU Residency
Unlike any other European program, Portugal offers immediate EU residency with just 7 days/year presence, full Schengen access, and a clear path to a European passport.
CMVM Fund Investment
EU Countries Access
IRA Eligible
Your Family Deserves a European Future
Join 200+ American families who've already begun their move with confidence. Start with a private discovery call — no pressure, no commitment.
Trusted Research for American Investors
Explore a carefully crafted collection of guides designed to help you navigate every step with confidence. Written by our American and European experts for U.S. investors relocating abroad.
Guide Library+
Start here to explore fund mechanics, compliance, family planning, and residency strategy.
Browse Guides →In-Depth Articles+
Long-form articles covering CMVM fund due diligence, cost modeling, family eligibility, and residency timelines.
Read Articles →Fund Comparison+
Side-by-side comparison of CMVM-regulated fund options, performance, and suitability for your profile.
Compare Funds →News & Updates+
Timely updates on Portugal Golden Visa program changes affecting American investors.
Read News →Supporting 200+ American Families Since 2019
Karen Kemp Aguiar Abud
CEO & Founder
Transatlantic Investment Advisor • 20+ Years Experience in Commercial Investment Advisory in NYC
Former top producer at The Corcoran Group. After relocating to Portugal, Karen built Atrium to bridge American expectations with Portuguese execution.
View profile →
Thiago Abud
COO
Cross-Border Operations • USA & Portugal
Thiago ensures every case moves from initial qualification through approval with the structured accountability American families expect.
View profile →What American Families Say
Atrium made the process feel incredibly personalized. They gave us access to a wide selection of vetted funds without pushing us toward any specific option, and they also connected us with several immigration attorneys so we could choose the team we felt most comfortable with. Everything felt transparent, flexible, and genuinely aligned with our family's goals.
American Family Client
Golden Visa • Fund Investment
Atrium was incredible from start to finish. The team was highly professional and made every step of our move feel effortless.
Fernando Rocco
Atrium Client
Excellent company. They handled all our needs from start to finish during our move — true dedication to the client, meeting every requirement with care.
Marcelo Pettinati
Atrium Client
Personalized investment guidance built around your goals
At Atrium, we believe this process should be far more thoughtful than a simple fund introduction. Before recommending any investment pathway, we take the time to understand your broader financial profile — including your investment goals, desired returns, comfort with risk, preferred sectors, and the role these investments play within your overall strategy.
From there, we help narrow the field to opportunities that genuinely align with your profile, helping you avoid unnecessary complexity and saving valuable time in the decision-making process. Because Atrium works across a carefully selected network of investment and IRA-compatible funds, we're able to support a wide range of investor preferences and risk profiles without steering clients toward any single option. We maintain equal relationships across our partner funds, allowing every recommendation to remain objective and fully aligned with the client's priorities.
The Families Who Move First Are Usually the Ones Best Positioned Later
A second residency is no longer just about relocation — it has become part of how globally minded families think about opportunity, security, mobility, and long-term flexibility. Across Europe, residency pathways are evolving as demand continues to rise. More Americans than ever are exploring international living, cross-border investing, healthcare access, education opportunities, and geographic diversification for their families.
As interest increases globally, residency programs naturally become more selective, more regulated, and in many cases more limited over time. We've already seen residency windows tighten across multiple European countries as governments respond to growing demand and shifting political priorities. The families who benefit most are often the ones who positioned themselves before access became more restrictive, more expensive, or more complex.
For many of our clients, residency is not simply a “move abroad” decision. It is about creating optionality — the ability to live, travel, invest, educate their children, access healthcare, expand business networks, or simply have a stable alternative available if the world changes unexpectedly. It may not feel urgent today, but the value of having a second residency is often realized long before it is ever needed.
Your first conversation is with an Atrium U.S. consultant who takes the time to understand your goals, family structure, investment profile, and existing financial setup before discussing any residency pathway. We provide structured, personalized guidance designed to help you evaluate the right approach with clarity and confidence — without pressure and without unnecessary complexity.
€500K minimum investment — CMVM-regulated funds, no property purchase required
Family inclusion: spouse, dependent children, and qualifying parents on one application
Minimum stay: just 14 days every 2 years to maintain active residency status
path to Portuguese citizenship and European passport and an EU passport valid in 26 Schengen countries
All first-contact requests now stay inside Atrium’s internal assistant experience.
Expertise, Accountability, and Regulatory Grounding You Can Verify
All guidance on this platform is written and reviewed against official Portuguese regulatory sources — including AIMA (Agência para a Integração, Migrações e Asilo), the CMVM (Comissão do Mercado de Valores Mobiliários), and Lei nº 23/2007 (the Portuguese Foreigners Law). Every material claim is traceable to primary sources, reviewed on a defined cycle, and authored by identified professionals with named credentials.
Top 1% US Investment Real Estate Agent
All ARI (Golden Visa) filing procedures, fee schedules, and appointment timelines are sourced against AIMA's published regulatory framework
Investment fund qualification criteria and manager oversight are verified against CMVM's public registry and regulatory guidelines
Family eligibility, residency conditions, and citizenship pathway requirements are sourced against Portuguese immigration statute and its subsequent amendments
Trusted by U.S. Finance Professionals, Entrepreneurs, and Families
“Atrium was the only advisor who understood our exposure from the fund side and could explain it in terms our financial advisor would accept. That alone was worth the engagement.”
“We included my parents in the application. Karen mapped the eligibility rules clearly before we committed — no surprises, no re-filings.”
“Atrium made the process feel incredibly personalized. They gave us access to a wide selection of vetted funds without pushing us toward any specific option, and they also connected us with several immigration attorneys so we could choose the team we felt most comfortable with. Everything felt transparent, flexible, and genuinely aligned with our family’s goals.”
Questions American Investors Ask
What is the minimum investment for a Portugal Golden Visa?+
The minimum investment is €500,000 in a CMVM-regulated investment fund. No real estate purchase is required. Your IRA funds are 100% eligible for this investment.
Can I use my IRA to fund the Golden Visa investment?+
Yes. Individual IRA, joint IRA from both spouses, personal funds, or any combination — all are 100% valid for Golden Visa fund investment. Atrium structures the optimal strategy for your situation.
Can my family be included in the application?+
Yes. Spouse, dependent children, and qualifying parents can all be included on a single €500K investment application. One investment, entire family covered.
How much time do I need to spend in Portugal?+
Only 7 days per year on average. You can keep your US home, business, and lifestyle while maintaining active EU residency.
What does Atrium charge for the consultation?+
The initial consultation is completely free of charge to our clients. Atrium does not charge separate consulting fees, as our services are integrated within the attorney and fund relationships throughout the process. Our role is to help you evaluate your options, structure the right approach, and navigate the process with clarity and confidence from the very beginning.
Atrium works exclusively with fund partnerships that are properly registered with the CMVM, Portugal's financial regulatory authority. Both the funds themselves and Atrium's relationships with those funds operate within a regulated and monitored framework designed to provide transparency, compliance, and investor protection throughout the process.
This distinction matters. Not every company operating in this space maintains registered fund relationships or works within the same level of regulatory oversight. Choosing the right team is about more than access — it is about ensuring your residency and investment process is handled through trusted, properly structured, and professionally monitored channels from start to finish.
How long does the Golden Visa process take?+
Timelines depend on documentation readiness and AIMA scheduling. Atrium manages every step — from fund selection through residency card approval — so nothing is missed or delayed.