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Finland Tax Information

24% ALV (standard)

ALV is 24% standard, 14% food, 10% books/transport. Registration above €15,000.

Financial Advisor Services to Invoice

  • Financial planning
  • Investment advisory
  • Retirement planning
  • Tax planning
  • Estate planning
  • Insurance review
  • Wealth management

Invoice Requirements in Finland

Y-tunnus
ALV number
Client details
Invoice number
ALV breakdown
Total

Payment Terms

Fee-only: project-based or AUM percentage. Flat retainer for ongoing planning.

Heti14 päivää30 päivääNetto

Payment Methods in Finland

Bank TransferMobilePayCredit CardPayPal

Financial Advisor Invoice Tips

  • Include advisor registration
  • Reference advisory agreement
  • Note AUM if applicable
  • Document planning deliverables
  • Meet compliance requirements

Frequently Asked Questions

What tax rate applies to financial advisor invoices in Finland?

Finland has 24% ALV (standard). ALV is 24% standard, 14% food, 10% books/transport. Registration above €15,000.

What payment methods are common for financial advisors in Finland?

Common payment methods in Finland include: Bank Transfer, MobilePay, Credit Card, PayPal. Fee-only: project-based or AUM percentage. Flat retainer for ongoing planning.

What should financial advisor invoices include in Finland?

Your invoice should include: Y-tunnus, ALV number, Client details, Invoice number. For financial advisor services specifically, also include: Financial planning, Investment advisory, Retirement planning.

How should financial advisors structure fees?

AUM percentage (0.5-1.5%), flat retainer, hourly, or project-based. Disclose fee structure clearly.

What compliance info should be on invoices?

Advisor registration (CFP, RIA), firm info, and fee disclosure language as required.

What ALV rates apply?

24% standard, 14% for food/restaurant, 10% for books/medicines/transport.