MEET ANNAMALAI RAMANTHANAN

As a new expat in Sweden, you may need extra help to understand a new financial system. We work together with Personal Finance Sweden AB to explain and create financial awareness on topics that impact your every day life. 

Annamalai is a personal finance enthusiast who has helped expats for the last 3 years and is also an expat from India here to bring you answers on managing finances in Sweden. He has helped more than 10000 expats in Sweden and knows the challenges faced by new expats. 

He’s lived on a single income in Sweden, lost his job due to a layoff, invested in the stock market through an ISK account to buy an apartment in Gothenburg, understands Swedish taxes, and plans tax-efficient savings for the future. Throughout his journey, he’s learned the significance of savings and financial planning for a happy, worry-free life. He loves spending quality time with his family and child and has traveled to over 50 countries.

Annamalai offers consulting services in personal income tax (Inkomstdeklaration 1), personal finances in Sweden, and opening a company in Sweden. View all of his available services below.

SERVICES

SERVICE 1

PERSONAL INCOME TAX

(INKOMSTDEKLARATION 1)

BOOK NOW

SERVICE 2

APARTMENT PURCHASE – 

PENSION – INVESTING

BOOK NOW

SERVICE 3

OPENING A COMPANY IN SWEDEN:

ENSKILD FIRMA OR AKTIEBOLAG AB

BOOK NOW

20% Discount until April 30th with code: 2024visa

SERVICE 1: PERSONAL INCOME TAX (INKOMSTDEKLARATION 1)

30 minutes for 299 SEK

  • Understand and explain the Inkomstdeklaration 1 process.
  • Assistance with Double Accommodation benefit deductions.
  • Clarify the Double Tax Avoidance Agreement (DTAA) rule between Sweden and another country for income earned abroad. Guide on reporting in Inkomstdeklaration 1.
  • Support in declaring AF Konto or Stocks held outside Sweden.
  • How to report income from outside Sweden and reporting the sale of an apartment in your home country to Skatteverket.

how it works

STEP 1

Schedule a meeting and come prepared with your questions. Meeting will be held on Zoom.

STEP 2

Receive guidance on how and where to fill in the data, and you fill in the details in Inkomstdeklaration 1.

STEP 3

The final decision for approval or rejection always rests with Skatterverket; our recommendation is based on the understanding of the tax law, tax treaty and our experience of helping expats in Sweden in previous years.

STEP 4

If we can’t provide a solution, a full refund will be issued.

WHAT IS NOT COVERED

  • We strictly discuss legal tax matters.
  • We do not address business/Enskild Firma tax questions in this consultation.
  • We do not deal with oresund tax agreement or cross border employment (meaning living in Sweden & working in Norway/Denmark).
  • We do not deal with US citizen and Sweden taxes.
BOOK A MEETING

20% DISCOUNT UNTIL APRIL 30TH WITH CODE: 2024VISA

SERVICE 2: APARTMENT PURCHASE-PENSION-INVESTING

30 minutes for 299 SEK

We offer practical guidance and recommendations on:

  • Accounts for Investing in Sweden: ISK, KF, AF accountS.
  • Tax-efficient methods of savings in Sweden.
  • Utilizing salary exchange for tax savings, especially for high-income earners.
  • Understanding pension options, occupational pension, and repayment protection cover.
  • Exploring various types of insurance essential for expats in Sweden from life, medical, akassa, home insurance etc.
  • Navigating the apartment buying process, BRF loans, and considerations for fixed or floating interest rates, along with tips, tricks, and potential pitfalls.

how it works

STEP 1

Schedule a meeting and come prepared with your questions. Meeting will be held on Zoom.

STEP 2

Choose a topic of your interest and we explain the advantages and disadvantages of each topic, for example ISK accounts or life insurance.

STEP 3

Ask your question and we will explain complex financial topics in simple terms.

STEP 4

If we can’t provide a solution, a full refund will be issued.

WHAT IS NOT COVERED

We are unable to provide recommendations for financial products. This means we cannot advise on the selection of insurance companies for life or medical coverage, or suggest specific mutual funds or stocks for investment.

BOOK A MEETING

20% DISCOUNT UNTIL APRIL 30TH WITH CODE: 2024VISA

SERVICE 3: OPENING A COMPANY IN SWEDEN - ENSKILD FIRMA OR AKTIEBOLAG AB

90 minutes for 900 SEK

  • We assist individuals with comprehensive support, including online form completion, information on the distinctions between EF and AB, and guidance on the functioning of taxes, dividends, and salary options in AB and EF structures. If you would like advice about how to open your own company or assistance in taking next steps such as registration, this service is a good fit for you.
  • Initial Meeting: A 30-minute discussion to address queries, provide information, and provide a list of prerequisites to prepare in advance.
  • Second Meeting: A 45-minute to 1-hour session offering support for online form completion and approval processes with F/FA tax, VAT registration, etc.
  • The total service fee is 900 SEK for 1.5 hours. The initial meeting always lasts for 30 minutes and incurs a cost of 299 SEK, representing the first half of the payment. The second payment is due at the time of booking the second meeting.
  • Additional time required for activities like bank opening, presentations, SNI code acquisition, or exemption for EU residency requirements will be billed at 299 KR for every 30 minutes spent.

how it works

STEP 1

Schedule a meeting and come prepared with your questions. Meeting will be held on Zoom.

STEP 2

Ask your question and we explain complex financial topics in simple terms.

WHAT IS NOT COVERED

This session does not cover opening a subsidiary company in Sweden and dealing with complex company structures.

BOOK A MEETING

20% DISCOUNT UNTIL APRIL 30TH WITH CODE: 2024VISA

DISCLAIMER

Personal Finance Sweden AB and its affiliates do not offer advice regarding the selection of financial products or the allocation of investments to a specific mutual fund or stocks. All opinions expressed by Personal Finance Sweden AB are to be construed strictly as opinions and not as advice.

CANCELLATION POLICY

We emphasize the importance of respecting scheduled appointments. If you need to change the meeting time, let us know by email (Financialsweden26@gmail.com) up to 24 hours in advance. After the 24 hour period has passed, it is not possible to change the meeting time. 

If you miss the meeting or don’t show up, there won’t be a refund or meeting reschedule.

For a new meeting, you’ll have to make a new payment. Therefore, please make sure you attend the meeting on time.

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