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Latest Financial News for Expats in France

Expat Financial Advisers in France

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.

The Spectrum IFA Group Tax Guide to France 2021


Spectrum IFA Guide to investment risk
Tax Efficient Savings & Investments in France

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

BREXIT Proof Your Investments

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.

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