
Big brother is watching… or might be
After the fun and festivities of March (or those that could be had in current circumstances) it’s time...
Big brother is watching… or might be
After the fun and festivities of March (or those that could be had in current circumstances) it’s time...
RISK Can you avoid this in financial terms?
Welcome to edition number ten of our newsletter ‘Spectrum in Occitanie, Finance in Focus’, brought to you by...
Should I leave money in the bank?
For citizens living in France, assurance vie is known to be one of the safest ways to invest...
Moving to France from the UK: Figuring Out Where You’re a Tax Resident
Is the dream of waking up every day to a breakfast of freshly-baked bagels as you look at...
Investing 101 for Expats Living in France
With today’s economic environment of record low interest rates and high inflation, it’s crucial to understand your investing...
Assurance Vie, an Alternative Way to Save For Your Retirement
Many people are looking for an alternative to setting up a regulated pension for their retirement savings. Whilst...
Time not timing – investing for the long term
We often get asked the question, “When is the best time to invest my money?” Our answer is...
Is your money safe under the mattress?
March is my favourite month of the year, not least because I celebrate my birthday during this month...
Your Expat Guide to Pension Planning
Are you planning on retiring in France or Luxembourg but have a pension in the UK? Look no...
Beyond Brexit… What comes next ?
Welcome to the ninth edition of our newsletter ‘Spectrum in Occitanie, Finance in Focus’, brought to you by...
UK pensions and investments after BREXIT
After several years of uncertainty, the UK has now fully left the EU and whilst many of us...
Currency Exchange and the benefits of using a specialist provider
Relying on a bank to transfer currency is an expensive option. Currency transfer specialists provide competitive terms, secure,...
If you are an expat in France your financial planning will need to meet your personal requirements within the very specific French tax and legal frameworks. Our internationally qualified, professional advisers are readily available to make certain you receive expert advice and superb service, bringing you peace of mind. A very important part of this service is to provide ongoing advice. This longer term approach means that you will continue to know that you will be in good financial shape even if your circumstances change, the tax laws change (which happens often) or simply if economic conditions change.
Whether you want to simply know the benefits of an Assurance Vie or QROPS (Qualifying Overseas Retirement Pension Scheme) currency issues or have more complicated matters you wish to discuss such as Residency or Inheritance tax in France and how it interacts with UK Inheritance Tax, contact one of our advisers to find out more.
We have offices and teams of experienced advisers based in and around a number of major centres throughout France:
Paris | Brittany & Normandy | Pays de la Loire & Centre | Poitou Charentes, Limousin & Aquitaine | Midi Pyrenees & Languedoc Roussillon | Provence Alpes & Cote d’Azur | Burgundy, Comte & Rhone-Alpes
The UK formally left the EU on the 31st January 2020 and there followed a transition period which ended on the 31st December. There are now agreements in place governing various aspects of how the UK and the EU will interact in future. However, financial services were not included in the withdrawal agreement (the ‘trade deal’), so UK based financial advisers and institutions can no longer advise their EU resident clients without also having an appropriately authorised presence in the EU. This is not an issue for The Spectrum IFA Group, since we have always been fully regulated and authorised across the entire EU.
If you live in France, Spain or Luxembourg, did you know that you have access to secure, tax-efficient, locally authorised investment solutions backed by some of the UK’s largest and most well-known financial institutions.
These products, issued from the safety of Dublin, are both EU regulated and highly tax efficient. For example, one of the largest insurance companies in the UK offers a fully French compliant (Dublin based) Assurance Vie. Another offers a Branch 23 product, which is similarly tax efficient in Belgium. Both companies offer tax efficient solutions for Spanish residents.
Even though the UK has left the EU, you can still invest with companies whose names you know and trust, in a tax efficient manner, in the country you now call home.