Invest wisely for a brighter financial future

About Dots and Spotts Finance


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.

Even while holding a regular job, I took pleasure in advising friends on their investments. One friend, who knew next to nothing about investing, even managed to see an above 10% annual return on his investment following our conversations. Over the last 16 years, I’ve played a key role in helping numerous friends secure a comfortable retirement plan.
Now, I’ve turned this passion into my profession, aiming to positively impact the financial lives of others.
My business is here to help you too! Unlike many financial advisors who might prioritize their own interests, our mission is to make a genuine difference with our Financial Education. Over the years, I’ve made my own share of mistakes and learned invaluable lessons. You could make those same mistakes and learn from them, or you could let us help you fast-track your path to financial success.
Are you curious about how 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.
Consider the power of compound interest: An investment of €100,000 yielding an average return of 10% could grow to over €700,000 in 20 years. However, if hidden fees are siphoning off 5%, your investment might only reach around €250,000.
For a deeper understanding or to discuss personalised strategies, please feel free to contact us for a complimentary consultation – there’s no obligation. Reach us on +351 914 539 523.

Our Mission

Positively impacting the finances of 1 million people. We will teach you how to be your Own Bank.

We are active Associate Financial Planner member till August 2027

Why Choose Us

Independence

I am truly providing independent education and are selling no products

Proven

I am a successful investor myself and only recommend strategies proven and tested by myself

Low Cost

Invest with very low cost and keep almost all the returns for yourself

Broad

We have a broad knowledge in all kinds of investments. Whether it’s the stock markets, property, Gold, Alternative investments or Bitcoin

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
"If you're seeking financial guidance and expertise, look no further than Matthias. His exceptional ability to provide tailored financial ideas has truly transformed my approach to investing. What sets Matthias apart is his dedication to understanding my financial goals and aspirations. I wholeheartedly recommend him to anyone looking to take control of their financial future."
Jair Giraldo
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