Invest and don't let inflation eat up your money!

The buying power of $1,000 in 1900 is worth only $26.41 in 2024. Over this period, your money lost over 97% of its value.

You own your future

You are responsible for your finances

You are accountable for your prosperity

Dots and Spotts Finance

Financial Education for Everyone

Our Services

Are you curious about how much hidden costs are hurting your investments every year? A recent client of ours was surprised to find out that they were losing over 5% to hidden fees on investments made prior to our conversations, which equates to €5,000 per year on a €100,000 investment. Could you be facing similar losses? Let us take a look for you and help you make significant savings. Call us for free today - there’s no obligation. +351 914 539 523

Why Choose Dots and Spotts Finance - The Client is in the Center

Transparency

We are 100% transparent and honest. There will be no hidden costs and best in class low fee investments. We want you to Be your Own Bank, let us help you with that.

Low Costs

We are providing the best service with the lowest cost possible. Low flat fee, no percentage commission. We will educate you how to get the best deals with low cost to increase your wealth even faster. Fees are are holding you back.

Individual Service

We are here to help you with optimising your Finances. We helped young clients starting their career and also optimised multi-million portfolios. With our broad knowledge we want to help Everyone!

Invest wisely for a brighter financial future

Hi, my name is Matthias Spott. My family and I relocated to the Algarve two years ago. You could say we have a bit of history here; we actually tied the knot in this very spot back in 2017. We’ve settled in wonderfully, embracing the local lifestyle here. After dedicating 17 years to the corporate world, I decided to pursue my true calling – helping people enhance their financial future by investing wisely.

Client Testimonials

I would have considered myself a beginner to investing, when I first met Matthias, during that time I have learned so much on all aspects of investment especially around crypto, dividend stocks, Capital Gains and driving towards Financial Freedom. I can wholeheartedly recommend Matthias in his business venture. Matthias is so generous with his extensive knowledge and loves to see others succeed and support in their financial aspirations (once he helps shape them) which is a unique gift. I look forward to continue my friendship and support.

Paul Maxwell

Matthias has plenty of knowledge about the financial markets and helped me to build my investment strategy. I learnt a lot about how to invest in crypto, the stock market and how I build my nest egg for retirement.

Leslie Gyertson

I really enjoyed the finance education sessions with Matthias, he gave really good guidance on how to penetrate markets such as bitcoin and ETF’s, dividend stocks, stock market etc. He also supported decision making on what investments would make sense to an individual situation. His presentations were super easy to follow and he handed out fantastic links after the classes. Thank you Matthias, I needed to get back into the topic and the classes helped me with that.

Cornelia Dahinten

What we are good at

Stocks & Alternative Assets

Unlock wealth beyond traditional paths. Invest smart in stocks and alternative assets like art, watches, wine or whisky for growth, diversity, and financial freedom.

Crisis preparation

Prepare for crises to safeguard your future. Anticipate, adapt, and thrive. What is your strategy if things go pear shaped? Your readiness today ensures stability tomorrow.

Bitcoin & Gold

Invest in Bitcoin and Gold for financial growth. You can truly become Your Own Bank with Bitcoin. Its potential for high returns offers a hedge against inflation & currency devaluation.