
Is your money safe under the matress?
March is my favourite month of the year, not least because I celebrate my birthday during this month...
Is your money safe under the matress?
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,...
Top 3 Financial questions after BREXIT
We asked Andrea Glover & Tony Delvalle - What are the current top three ‘hot topics’ with clients,...
Looking back at 2020, looking forward to 2021
Welcome to the 8th edition of our newsletter ‘Spectrum in Occitanie, Finance in Focus’, brought to you by...
Welcome to the seventh edition of our newsletter ‘Spectrum in Occitanie, Finance in Focus’, brought to you by...
Are you a UK IFA with Clients Living in Europe ?
ARE YOU UNABLE TO SERVICE THESE CLIENTS POST BREXIT? At The Spectrum IFA Group we...
We don’t have a crystal ball but we know how to prepare for the unknown
For most of 2020, nobody in France has been able to escape the misery of the daily Virus...
How much tax do you pay in France?
It’s strange to think that this time last year I was in Quebec with my husband and children....
Do I need a residence permit or driving licence in France?
Like it or not, Britain formally left the UK on the 31st January 2020. Since then we have...
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.