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# DZ Advisory: Your Trusted Partner for EU Citizenship, Taxation, and Wealth Management.

## Sitemaps
[XML Sitemap](https://dzadvisory.com/sitemap_index.xml): Includes all crawlable and indexable pages.

## Posts
- [The Growing Importance of Flexibility in European Residency Planning](https://dzadvisory.com/insights/flexible-european-residency-planning/): European residency planning is becoming increasingly strategic. While investment requirements and eligibility criteria remain important considerations, applicants are placing greater emphasis on how a residency programme can support their long-term objectives and adapt to changing circumstances.
- [Why Long-Term Planning Matters More Than Ever in Residency Decisions](https://dzadvisory.com/insights/long-term-residency-planning/): Choosing a European residency programme is an important decision that often extends well beyond the application process itself.
- [How Applicant Priorities Are Changing in the European Residency Market](https://dzadvisory.com/insights/european-residency-market-trends/): The European residency market continues to evolve as applicants become more informed and more strategic in their decision-making.
- [What Families Should Consider When Choosing a European Residency Programme](https://dzadvisory.com/insights/european-residency-for-families/): For many families, choosing a European residency programme is about far more than obtaining a residence permit. It is often a long-term decision that forms part of a broader plan involving family security, future opportunities, international mobility, and lifestyle considerations.
- [Why Stability Has Become a Key Consideration in European Residency Planning](https://dzadvisory.com/insights/stability-european-residency-planning/): European residency planning has evolved significantly in recent years. While applicants have traditionally focused on factors such as investment requirements, mobility opportunities, and lifestyle considerations, stability is increasingly becoming one of the most important elements in the decision-making process.
- [What Applicants Should Compare Beyond Investment Thresholds](https://dzadvisory.com/insights/compare-european-residency-programmes/): When comparing European residency programmes, many applicants naturally begin by looking at investment thresholds. While financial considerations are important, focusing only on entry costs can often overlook the broader factors that shape the long-term value of a residency programme.
- [Understanding What Shapes a Successful Malta Permanent Residence Application](https://dzadvisory.com/insights/successful-malta-permanent-residence-application/): Not all applications for the Malta Permanent Residence Programme (MPRP) follow the same trajectory. While the programme itself is clearly structured, the quality and clarity of an application often depend on factors that exist well before submission.
- [Who Chooses the Malta Permanent Residence Programme and Why](https://dzadvisory.com/insights/who-chooses-malta-permanent-residence/): The Malta Permanent Residence Programme (MPRP) continues to attract individuals and families from around the world seeking long-term stability, flexibility, and access to Europe. While the programme offers a structured pathway to permanent residency, it is not a one-size-fits-all solution.
- [Choosing the Right Property for Malta Permanent Residence Programme](https://dzadvisory.com/insights/malta-permanent-residence-property/): The Malta Permanent Residence Programme (MPRP) offers a structured pathway to obtaining long-term residency in Malta, combining stability, flexibility, and access to Europe. While the programme includes several important requirements, one of the most central considerations for applicants is the property component.
- [Malta Permanent Residence Programme: Key Considerations](https://dzadvisory.com/insights/malta-permanent-residence-programme-guide/): The Malta Permanent Residence Programme (MPRP) has established itself as one of the most attractive residency-by-investment options in Europe. Designed for non-EU nationals seeking long-term residence in a stable and well-regulated jurisdiction, the programme offers investors and their families the opportunity to obtain permanent residency in Malta while enjoying access to the Schengen Area.
- [From Wedding Destination to Permanent Home: Why Global Families Are Choosing Malta](https://dzadvisory.com/insights/wedding-destination-to-permanent-home-why-global-families-are-choosing-malta/): For many global families, what begins as a wedding destination ultimately evolves into a lasting relationship with Malta - offering not only unforgettable celebrations, but also a place to call home.
- [From Approval to Settlement: Living in Malta as a Permanent Resident](https://dzadvisory.com/insights/approval-to-settlement-living-in-malta-as-a-permanent-resident/): Living in Malta as a permanent resident offers more than legal residency status. It offers the opportunity to create a stable European base, enjoy a high quality of life, and build long-term opportunities for you and your family.
- [Why the Malta Permanent Residence Programme is Built for the Future](https://dzadvisory.com/insights/malta-permanent-residence-programme-for-future/): In an increasingly dynamic global landscape, individuals and families seeking long-term residency options are looking for programmes that offer stability, adaptability, and real future value. The Malta Permanent Residence Programme (MPRP) delivers precisely that - a residency solution designed not just for today’s needs, but for tomorrow’s opportunities.
- [Malta Permanent Residency: A Strategic Advantage for International Investors](https://dzadvisory.com/insights/malta-permanent-residency-advantages/): A Strategic European Base with Residency, Flexibility and Opportunity.
- [How The Malta Permanent Residence Programme Helps You Future-Proof Your Lifestyle](https://dzadvisory.com/insights/how-malta-permanent-residence-programme-helps-you/): The Malta Permanent Residence Programme (MPRP) offers a way to achieve that, as it gives you a lasting base in Europe while letting you enjoy a calm Mediterranean lifestyle. This programme helps you plan ahead with confidence, allowing you to enjoy the freedom to travel, invest, and build a home in a country known for safety, sunshine, and opportunity.
- [MPRP Family Inclusion: Securing Residency in Malta for You and Your Family](https://dzadvisory.com/insights/securing-residency-in-malta/): Starting a new chapter abroad often begins with one simple wish: finding a safe, welcoming place where your family can grow. The Malta Permanent Residence Programme (MPRP) makes that possible. It offers a clear and reliable way to settle in one of Europe’s most family-friendly countries while enjoying the stability, comfort, and freedom that come with EU residence.
- [Same-Sex Marriage in Malta: Legal, Safe and Welcoming for All](https://dzadvisory.com/insights/same-sex-marriage-in-malta/): This small Mediterranean island has become one of Europe’s most progressive and inclusive countries, known for its warm people and peaceful way of life. Since 2017, same-sex marriage has been fully legal, giving couples the same rights to marry, build a family, and plan their future together. 
- [Step-by-Step MPRP Application Guide: How to Secure Malta Permanent Residence](https://dzadvisory.com/insights/mprp-application-guide/): Imagine starting a new life on a peaceful island in the heart of Europe, a place that combines safety, sunshine, and easy access across the Schengen Zone. The Malta Permanent Residence Programme (MPRP) makes this possible for families, professionals, and investors who want a long-term home in Europe.
- [Malta Budget 2026: Building on Growth and Opportunity](https://dzadvisory.com/insights/malta-budget-2026/): Relocating to Malta is more than a financial decision, it’s the start of a new chapter. Visit DZ Advisory’s MPRP page or contact our team today to explore your path to a secure and fulfilling future in Malta.Why DZ Advisory:On October 27th, Malta brought out its Budget for 2026, setting out a confident vision for steady growth and long-term prosperity. For investors and families alike, the message is clear: Malta remains a strong, forward-looking economy built for opportunity.
- [Life in Malta: Tips for Expats from Healthcare to Schools](https://dzadvisory.com/insights/life-in-malta-tips-for-expats/): Conclusion: Your Next Step Toward Life in Malta
- [Malta Citizenship by Merit: Insights & Requirements](https://dzadvisory.com/insights/malta-citizenship-by-merit/): What if your life’s work could earn you citizenship in one of Europe’s most desirable countries?
- [MPRP Reforms Explained: How Malta Made Its Residency Programme More Flexible and Affordable](https://dzadvisory.com/insights/mprp-reforms-2025/): Malta has always been a popular choice for families, entrepreneurs, and investors who want a safe and well-connected base in Europe - and now, thanks to the latest updates to the Malta Permanent Residence Programme (MPRP) under Legal Notice 146/2025, moving here has become even simpler, more affordable, and more flexible.
- [Dual citizenship for American citizens: Malta](https://dzadvisory.com/insights/dual-citizenship/): Looking for a second passport that unlocks visa-free travel, EU residency, and new financial opportunities—all while keeping your U.S. citizenship? Malta offers one of the most powerful dual citizenship for American citizens options. Whether through investment, ancestry, marriage, or residency, U.S. citizens have multiple pathways to securing an elite EU passport.
- [Migrating to Malta from the US in 2025](https://dzadvisory.com/insights/migrating-to-malta-from-the-us-in-2025/): Nestled in the heart of the Mediterranean Sea lies Malta, a charming European nation composed of three islands – Gozo, Comino, and the main island Malta. Boasting a rich history, stunning landscapes, and a vibrant culture, this archipelago offers a unique blend of traditional charm and modern amenities. Migrating to Malta provides an opportunity to experience its ancient temples and medieval fortresses to its bustling cities and pristine beaches, Malta captivates visitors with its diverse attractions and welcoming atmosphere.

## Pages
- [Our People](https://dzadvisory.com/about-us/our-people/)
- [About Malta](https://dzadvisory.com/about-malta/)
- [Legal Disclaimer](https://dzadvisory.com/legal-disclaimer/): Last updated: February 10, 2026
- [Terms of Use](https://dzadvisory.com/terms-of-use/): By using this website you agree to comply with and be legally bound by these Terms of Use (the “Terms”), which shall take effect immediately on your first use of this website.
- [Contact Us](https://dzadvisory.com/contact-us/)
- [Careers](https://dzadvisory.com/careers/)
- [Insights](https://dzadvisory.com/insights/)
- [Services](https://dzadvisory.com/services/)
- [About Us](https://dzadvisory.com/about-us/)
- [Cookie Policy](https://dzadvisory.com/cookie-policy/)
- [General Privacy Notice – DZ Advisory Ltd](https://dzadvisory.com/privacy-policy/): This Privacy Notice is related to DZ Advisory Ltd. having its registered address at Quad Central, Q3 Level 10, Central Business District, CBD 1040, Malta, ( ‘Company’, ‘we’, ‘us’, ‘our’). We are committed to safeguarding the privacy of our clients using our services (‘user’, or ‘you’, ‘your’).
- [Home](https://dzadvisory.com/)

## Our People
- [Cheryl Grech](https://dzadvisory.com/our-people/cheryl-grech/): Dr. Cheryl Grech is the Head of Legal at DZ Advisory, providing comprehensive legal support across all facets of the firm’s operations with a particular focus on investment migration.
- [Sabrine Ouji](https://dzadvisory.com/our-people/sabrine-ouji/): Sabrine is a Senior Client Relationship Executive at DZ Advisory, bringing a dynamic and multicultural perspective to her role in the immigration and global mobility sector. With nearly a decade of progressive experience in top-tier advisory and legal firms in Malta, she has built a strong track record of guiding private and corporate clients through complex residency and citizenship pathways, including the Malta Permanent Residency Programme (MPRP) and the Citizenship by Direct Investment (CDI).
- [Nina Kvashali](https://dzadvisory.com/our-people/nina-kvashali/): Nina is a results-driven Client Relationship Executive at DZ Advisory, with a strong academic background in Communications and International Relations. She is known for delivering exceptional client experiences through clear, effective communication and a genuinely client-focused approach, building trust and long-term relationships.
- [Anna Rezk](https://dzadvisory.com/our-people/anna-rezk/): An experienced immigration expert specializing in Maltese citizenship for exceptional services while demonstrating solid expertise in the CIS private client sector. Holding a Masters degree in management, Anna can meticulously create a boutique plan for UHNWI and HNWI looking to expand their businesses in Malta or those looking to obtain their second Residency and Citizenship in an ever-growing EU country. Through her eight-year career in a multi-international premium company, she has excelled in different tiers following a very high success rate in helping individuals from different continents accomplish their Maltese residency (MPRP) and citizenship (CBM) efficiently. Proven to be trustworthy in dealing with sensitive data, Anna can diligently guide clients on new prospects for their personal and family matters. 
- [Maria Debono](https://dzadvisory.com/our-people/maria-debono/): Maria graduated with a Master’s degree in Accountancy in 2019 at the University of Malta and she is a fellow member of the Malta Institute of Accountants. Maria started working in audit in 2016 as an Associate within a mid-tier firm while completing her studies. Following her graduation, Maria became promoted to a Junior Auditor and she was later promoted to a Senior Auditor.
- [Ann Marie Lia](https://dzadvisory.com/our-people/ann-marie-lia/): In 2015, Ann Marie graduated with a Bachelor of Commerce Honours Degree in Banking and Finance from the University of Malta. She furthered her studies to obtain a Masters degree in Strategic Marketing from the London School of Business and Finance in 2019.
- [Sandra Agius](https://dzadvisory.com/our-people/sandra-agius/): Sandra is a resourceful and administrative individual occupying the position of front office and administration executive at DZ Advisory. Holding a 10-year experience in the gaming industry, Sandra carries a number of skills adhered from working in diverse and fast-paced environments, while harmonizing teamwork to guarantee precision in the day-to-day tasks. She is an organized and trustworthy professional who takes full ownership of any task she is presented with. She has a keen interest in furthering her knowledge and gaining new skills through new experiences and challenges, both on a personal level and also in a team. As a perseverant person, Sandra can work under pressure and she is always willing to go the extra mile to ensure excellent results.
- [Kimberly Vella](https://dzadvisory.com/our-people/kimberly-vella/): Kimberly is a Business Support Executive at DZ Advisory, bringing with her a strong background in operations and client services. She holds a Diploma in Leadership and Management from CMBS and is currently pursuing her MBA with the same institution, further strengthening her professional expertise.
- [Olga Dmitriyeva](https://dzadvisory.com/our-people/olga-dmitriyeva/): A multilingual professional with strong CRM and hospitality skills, Olga excels in delivering exceptional service through transparent practices in the private client sector. She holds a Bachelor's in Tourism from Vysoká škola obchodní v Praze and intermediate Microsoft Office certification from VŠE Prague. Her academic and professional experience allows her to effectively assist HNWI and U-HNWI, offering bespoke services.
- [Yimin Lyu](https://dzadvisory.com/our-people/yimin-lyu/): Yimin is a business management graduate from Zhejiang University of Technology who joined our Asia-relation department at DZ Advisory to assist HNWI and Ultra-HNWI in acquiring residency and Citizenship by Merit in Malta. In the last 6 years, she achieved a high level of organizational, legal, compliance and privacy skills which led her to build a personalized customer relationship technique that guarantees the utmost confidentiality. Yimin develops a trustworthy connection with each of her clients that lead to a satisfactory process with successful results. Yimin decided to relocate to Malta herself seeking an exciting way of living in a European country that offers multiple benefits in addition to its exceptional healthcare and education.
- [Olfa Zairi](https://dzadvisory.com/our-people/olfa-zairi/): A client relationship executive at DZ Advisory who demonstrates high communication skills when dealing with south European countries, MENA regions. In the last 7 years, she has been working in a top-tier advisory firm within the immigration sector as a client relations agent to assist several clients in obtaining their second residency (MPRP) and citizenship (CBM) successfully. Olfa has generated an extensive amount of experience by assisting Arabic and French speakers in their specific requirements to smoothly settle and reside in Malta. The accuracy and transparent approach that she takes are the key tools to guide her clients achieve and succeed in their prosperities.
- [Kamila Arifzhonova](https://dzadvisory.com/our-people/kamila-arifzhonova/): A customer-focused professional working in the private client sector. Before moving permanently to Malta, Kamila graduated from the Russian Presidential Academy in International Business studies for Foreign Regional studies, focusing on the East Asia Regional Studies for Chinese Economy and Politics. Joining DZ Advisory offered her an excellent opportunity to continue assisting UHNWI and HNWI clients from CIS countries who are seeking new opportunities in Malta. Through her qualified political and economic point of view, Kamila can resourcefully advise on immigration and relocation matters that the Maltese residency (MPRP) and citizenship (CBM) can offer.
- [Tatiana Kalikina](https://dzadvisory.com/our-people/tatiana-kalikina/): Leading global economist with over 25 years of experience in financial markets. Has advised on investment strategies for top financial institutions worldwide.
- [Qing Zhou](https://dzadvisory.com/our-people/qing-zhou/): Qing graduated from Soochow University with a degree in Tourism Management. With 7 years of experience in higher vocational education, she excels at handling complex problems with exceptional patience. Over the past decade, she has consistently provided private advisory service to Chinese high-net-worth individuals and has developed a profound understanding of clients' unique needs within Chinese cultural contexts. Captivated by Malta's natural landscapes and culture environment, she now specializes in guiding families through the relocation process to Malta or Gozo.
- [Yuanyuan Zhang](https://dzadvisory.com/our-people/yuanyuan-zhang/): A proficient client relationship expert focusing on the Asian immigration sector at DZ Advisory. Graduating from the European University of Singapore and worked in managerial positions for one of the top companies in Singapore and Malta, Yuanyuan developed a strong knowledge of the far east business market and philosophy. She continued to progress in Malta by joining one of the top international advisory firm, where she assisted Chinese speakers to evolve in their personal and business affairs. At DZ advisory, Yuanyuan help UHNWI and HNWI obtaining their Maltese residency (MPRP) and Citizenship (CBM). Her comprehensive knowledge and experience in the Asian and European continents allow her to professionally guide her clients efficiently. Yuanyuan’s high success rate is sustained with trustworthy and constant customer care support.
- [Muhammad Nadeem](https://dzadvisory.com/our-people/muhammad-nadeem/): With a passion for innovative marketing strategies and a keen eye for detail, Nadeem brings extensive experience in SEO, SEM, Affiliate Marketing, and team management to DZ Advisory. As Marketing Manager, Nadeem oversees dynamic marketing campaigns, strengthens the firm’s industry presence, and nurtures client relationships.
- [Demis Buttigieg](https://dzadvisory.com/our-people/demis-buttigieg/): Demis started his legal career in 2021 as a legal counsel with a mid-tier local corporate service provider where he managed a portfolio of international clients operating in various sectors. In 2022, he joined a reputable international tax and audit firm whereby he formed part of the corporate and tax team. His latest experience was that of a legal counsel for a multi-disciplinary firm. During his career, Demis oversaw and assisted clients in a number of mergers and acquisitions, corporate restructurings,  iGaming solutions, provided corporate legal counsel and services to both local and foreign clients.
- [Alexandra Dimech](https://dzadvisory.com/our-people/alexandra-dimech/): Leading global economist with over 25 years of experience in financial markets. Has advised on investment strategies for top financial institutions worldwide.
- [Oliver Zammit](https://dzadvisory.com/our-people/oliver-zammit/): Oliver Zammit is co-founder and partner at DZ Advisory, a consulting, tax and advisory firm that offers boutique solutions to private clients and family offices. He successfully assisted multiple HNWI and UHNWI clients to relocate and invest in Malta.
- [Tim Dambrauskas](https://dzadvisory.com/our-people/tim-dambrauskas/): Tim Dambrauskas is co-founder & partner at DZ Advisory company. DZ Advisory is a private client firm specializing in be-spoke consultancy to HNWI, ultra-HNWI and family offices who are seeking to relocate, invest or expand their businesses and personal wealth in a financially stable EU country.

## Services
- [The Residence Programme](https://dzadvisory.com/services/the-residence-programme/): The Residence Programme (TRP) grants EU/EEA/Swiss nationals access to a special tax status in Malta, allowing them to benefit from a reduced flat tax rate of 15% on foreign income remitted to the country.
- [Malta Permanent Residence Programme](https://dzadvisory.com/services/malta-permanent-residence-programme/): The Malta Permanent Residence Programme offers a unique opportunity to foreign individuals and their families to apply and acquire permanent residence in a European country.
- [Malta Global Residence Programme](https://dzadvisory.com/services/malta-global-residence-programme/): The Global Residence Programme (GRP) offers non-EU/EEA/ Swiss nationals a special tax status in Malta to benefit from a reduced fixed tax rate of 15% on all foreign-generated income that is remitted to Malta.
- [iGaming](https://dzadvisory.com/services/igaming/): Malta was the first European country to regularize remote gaming back in 2004 and since then, has established itself as the leading European hub.
- [Fintech & Blockchain](https://dzadvisory.com/services/fintech-blockchain/): Technology is increasingly becoming one of Malta’s fastest growing sector, with the island being and one of the first European countries that introduced a comprehensive regulatory environment to support sustainable and reputable growth in its four leading hubs: Fintech, Artificial Intelligence and Blockchain/Cryptocurrency.
- [Jets & Yachts](https://dzadvisory.com/services/jets-yachts/): Guidance for registration, structuring, and related considerations within Malta’s regulatory environment.
- [Risk & Compliance](https://dzadvisory.com/services/risk-compliance/): In the business world, new opportunities call for the investigation of integrity of the relationship, which brings a considerable amount of analysis on the positives, potentials and risks.
- [Malta Personal Tax & Estate Planning](https://dzadvisory.com/services/personal-tax-estate-planning/): Planning support for international families, wealth structuring, and long-term succession considerations.
- [Property in Malta & Other Investment](https://dzadvisory.com/services/property-investment-advisory/): Buying property in Malta is proven to considerably increase capital growth and open new renting ventures, a business which is significantly increasing in Malta’s estate sector thanks to low interest rates and government incentives.
- [Malta Citizenship by Merit](https://dzadvisory.com/services/malta-citizenship-by-merit/): At DZ Advisory, we are competent professionals with an international team of experienced specialists who can assist eligible applicants through the whole regulatory process in accordance with the Maltese Regulations.
- [Malta Residency](https://dzadvisory.com/services/malta-residency/): Structured routes for eligible non-EU nationals seeking long-term presence, family inclusion, and stability in Malta.