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Have you completed your tax returns in France?

Have you completed your tax returns in France?

Premium Bonds in France

Premium Bonds in France

Financial planning for women

Financial planning for women

Inheritance issues in France

Inheritance issues in France

UK pensions and tax treatment in France

UK pensions and tax treatment in France

Understanding inflation

Understanding inflation

The tax and legal systems in France

The tax and legal systems in France

French Tax declarations in June – Trusts & Wealth Tax

French Tax declarations in June – Trusts & Wealth Tax

Inheritance Planning and French Residency

Inheritance Planning and French Residency

Tax in France – what needs to be declared

Tax in France – what needs to be declared

Are you a French tax resident who owns a house in the UK?

Are you a French tax resident who owns a house in the UK?

French Tax Returns 2021

French Tax Returns 2021

Spring cleaning your finances

Spring cleaning your finances

Why do I need a Financial Adviser?

Why do I need a Financial Adviser?

Big brother is watching… or might be

Big brother is watching… or might be

RISK Can you avoid this in financial terms?

RISK Can you avoid this in financial terms?

Should I leave money in the bank?

Should I leave money in the bank?

Moving to France from the UK: Figuring Out Where You’re a Tax Resident

Moving to France from the UK: Figuring Out Where You’re a Tax Resident

Investing 101 for Expats Living in France

Investing 101 for Expats Living in France

Assurance Vie, an Alternative Way to Save For Your Retirement

Time not timing – investing for the long term

Time not timing – investing for the long term

Is your money safe under the mattress?

Is your money safe under the mattress?

Your Expat Guide to Pension Planning

Your Expat Guide to Pension Planning

Beyond Brexit… What comes next ?

Beyond Brexit… What comes next ?

UK pensions and investments after BREXIT

UK pensions and investments after BREXIT

Currency Exchange and the benefits of using a specialist provider

Currency Exchange and the benefits of using a specialist provider

Top 3 Financial questions after BREXIT

Top 3 Financial questions after BREXIT

Looking back at 2020, looking forward to 2021

Looking back at 2020, looking forward to 2021

UK bank accounts after Brexit

UK bank accounts after Brexit

Are you a UK IFA with Clients Living in Europe ?

Are you a UK IFA with Clients Living in Europe ?

We don’t have a crystal ball but we know how to prepare for the unknown

We don’t have a crystal ball but we know how to prepare for the unknown

How much tax do you pay in France?

Do I need a residence permit or driving licence in France?

Do I need a residence permit or driving licence in France?

Should I transfer my UK Pensions if I’m living in France?

Are you au fait with Exchange Rates?

Are you au fait with Exchange Rates?

Taxe Foncière – Do you qualify for exemption?

Taxe Foncière – Do you qualify for exemption?

Which Assurance Vie is best?

Which Assurance Vie is best?

Investments in the current climate

Investments in the current climate

What type of recovery do we foresee?

What type of recovery do we foresee?

Inheritance Planning & French Residency

Inheritance Planning & French Residency

Who wants to be a millionaire?

Who wants to be a millionaire?

There’s only two things you can be certain of in life…

The Spectrum IFA Group and Blackden Financial join forces

The Spectrum IFA Group and Blackden Financial join forces

State Pension Benefits

State Pension Benefits

Investing for the long term

Investing for the long term

Health, Wealth and Happiness

Health, Wealth and Happiness

Guardianship for your Children

Guardianship for your Children

Investments, what should I be doing?

Investments, what should I be doing?

There’s never been a more important time to speak with your IFA

There’s never been a more important time to speak with your IFA

The luxury of your own local financial adviser

The luxury of your own local financial adviser

What to do with investments in a bear market?

What to do with investments in a bear market?

Being prepared for BREXIT in France

Being prepared for BREXIT in France

Do I need to declare my UK bank accounts?

Do I need to declare my UK bank accounts?

Moving to France – When should I take financial advice?

Moving to France – When should I take financial advice?

Why should I review my finances

Why should I review my finances

Brexit – What now?

Brexit – What now?

Le Tour de Finance  – Autumn 2019

Le Tour de Finance – Autumn 2019

Professional Women’s Network – Cote d’Azur

Professional Women’s Network – Cote d’Azur

Understanding the Taxe Foncière

Understanding the Taxe Foncière

The Changing Financial World

The Changing Financial World

“Brexit proof” your investments using a top UK financial institution

The Spectrum IFA Group: A corporate partner, a generous friend

The Spectrum IFA Group: A corporate partner, a generous friend

Why is it important to have regular financial reviews?

Why is it important to have regular financial reviews?

The long and complicated relationship with social charges

The long and complicated relationship with social charges

The PAYE system – and so it it begins!

The PAYE system – and so it it begins!

French Tax Changes 2019

As a British citizen living in France who can look after my financial affairs if I become incapacitated?

As a British citizen living in France who can look after my financial affairs if I become incapacitated?

Le Tour de Finance autumn events

Le Tour de Finance autumn events

The Gift of Giving

The Gift of Giving

France’s new PAYE system

France’s new PAYE system

Are you thinking of selling your UK property or have you sold one recently?

Le Tour de Finance – Saumur 49400

Le Tour de Finance – Saumur 49400

Next step for the PEPP saga

The French Property Exhibition

The French Property Exhibition

Life assurance investment policies and Brexit

Life assurance investment policies and Brexit

Inheritance Planning in France

Inheritance Planning in France

Should I make a tax return? If so, why?

Should I make a tax return? If so, why?

The Importance of having a Local Financial Adviser

The Importance of having a Local Financial Adviser

Spectrum’s Daphne Foulkes appointed to Chair of the European Pensions Institute

Spectrum’s Daphne Foulkes appointed to Chair of the European Pensions Institute

Retiring & income in retirement

French Residency – Dispelling the Myths

French Residency – Dispelling the Myths

Is Buy To Let still a good investment?

Is Buy To Let still a good investment?

French Tax Changes for 2018

Wills for Expats in France

Will your pension sustain you through retirement?

How do you choose a financial adviser?

How do you choose a financial adviser?

French Tax Changes 2018

How often should I have a financial review?

How often should I have a financial review?

Trusts – and French residency

Trusts – and French residency

Taper Relief on Capital Gains from the Sale of Shares

Taper Relief on Capital Gains from the Sale of Shares

Proposed French Tax Changes 2018

Le Tour de Finance visits “Escape to the Chateau”

Le Tour de Finance visits “Escape to the Chateau”

Successful estate planning in France – Having a will is just the beginning

Successful estate planning in France – Having a will is just the beginning

Will Brexit affect your plans to move to France?

Will Brexit affect your plans to move to France?

Planning to retire to France – don’t get caught in the tax trap!

Planning to retire to France – don’t get caught in the tax trap!

How often should I review my financial situation?

How often should I review my financial situation?

Do you know the rules around domicility?

Do you know the rules around domicility?

Now is the time to review your finances

Now is the time to review your finances

EU Pension Transfer from the EU Institutions – It is EUr money

EU Pension Transfer from the EU Institutions – It is EUr money

Common Reporting Standards

Common Reporting Standards

Is lending money to a government still low risk?

Is lending money to a government still low risk?

Ignorance is not always bliss…………..

Ignorance is not always bliss…………..

Tips on choosing a Financial Adviser?

Tips on choosing a Financial Adviser?

New Pension Transfer Rules!

New Pension Transfer Rules!

Le Tour de Finance

Le Tour de Finance

UK expats cannot vote after 15 years abroad

UK expats cannot vote after 15 years abroad

Smoothing out the bumps of market volatility

Smoothing out the bumps of market volatility

Under the radar?

Under the radar?

What can I do to minimise any potential impacts of a tough Brexit process?

What can I do to minimise any potential impacts of a tough Brexit process?

Inheritance Tax Planning

Inheritance Tax Planning

Property Thursday on Riviera Radio

Property Thursday on Riviera Radio

Le Tour de Finance – spring 2017

Le Tour de Finance – spring 2017

A sad time for some…….. whilst others embrace the change

A sad time for some…….. whilst others embrace the change

When is a guarantee not a guarantee?

When is a guarantee not a guarantee?

Reasons to Wrap

Reasons to Wrap

Achieving financial stability in France

Achieving financial stability in France

Are you thinking of selling your UK property or have you sold one recently?

Are you thinking of selling your UK property or have you sold one recently?

French Tax Changes 2017

French Tax Changes 2017

A case study on UK final salary pensions

Brexit, US Election & Exchange Rates

Brexit, US Election & Exchange Rates

Should you consider transferring your Final Salary Pension?

Should you consider transferring your Final Salary Pension?

Le Tour de Finance – British Embassy Paris 19th October 2016

Le Tour de Finance – British Embassy Paris 19th October 2016

Should you consider transferring your Final Salary Pension Scheme?

Fonds en euros in assurances vie policies.

Fonds en euros in assurances vie policies.

Le Tour de Finance – Autumn Leg in France

Le Tour de Finance – Autumn Leg in France

I have a long term relationship with a UK regulated financial adviser, why should I speak to French regulated one?

I have a long term relationship with a UK regulated financial adviser, why should I speak to French regulated one?

Every Cloud

Every Cloud

Parkinson’s Law

Parkinson’s Law

Autumn Tour de Finance seminars

Autumn Tour de Finance seminars

Tin Hat Time at the FCA

Tin Hat Time at the FCA

Concerns over effect of BREXIT on expat pensions

Concerns over effect of BREXIT on expat pensions

When is a guarantee not a guarantee

When is a guarantee not a guarantee

The Spectrum IFA Group opens an office in Limoux

The Spectrum IFA Group opens an office in Limoux

Planning for Certainty in an Uncertain World

Planning for Certainty in an Uncertain World

Le Tour de Finance spring events

Le Tour de Finance spring events

Tax-Efficient Savings & Investments in France

Tax-Efficient Savings & Investments in France

The New UK State Pension

The New UK State Pension

UK Inheritance Tax V French Succession Tax

Stay invested and don’t try to second guess the market – Discipline is rewarded

Stay invested and don’t try to second guess the market – Discipline is rewarded

French Tax Return dates 2016

French Tax Return dates 2016

Le Tour de Finance

Le Tour de Finance – Spring Seminars

Le Tour de Finance – Spring Seminars

Personal Financial Planning in France – if I knew then what I know now…

Personal Financial Planning in France – if I knew then what I know now…

French Tax Changes 2016

French Tax Changes 2016

Le Tour de Finance – 100th event in Dinard

French Social charges on UK pensions and investment income

French Social charges on UK pensions and investment income

Update on French Social Charges

Can you make decent profits without a degree of market risk?

Can you make decent profits without a degree of market risk?

The UK’s future membership of the EU

The UK’s future membership of the EU

Cogs4Cancer 2015 – Barcelona to Antibes

What are the main financial risks as an expat in France?

Le Tour de Finance – autumn 2015

Recent financial updates affecting expats in France

Cogs4Cancer 2015 – The new kit has arrived

Impending changes to French inheritance laws

Impending changes to French inheritance laws

The EU Succession Regulations

The EU Succession Regulations

Remember our old friend the Assurance Vie?

Do I need help planning my finances in France?

Do I need help planning my finances in France?

You can’t please all of the people all of the time

You can’t please all of the people all of the time

Le Tour de Finance 2015 in France

Le Tour de Finance 2015 in France

Le Tour de Finance continues into the Languedoc & Pyrenees region.

Misinformation, not just a problem for politicians?

Misinformation, not just a problem for politicians?

The Spectrum IFA Group and CIFA Conference in Monaco

The Spectrum IFA Group at ‘A Place in the Sun Live’ Olympia, London 8th – 10th May 2015

What is QROPS?

Le Tour de Finance Paris 15th April 2015

Changes to UK pensions: how will they affect you?

Changes to UK pensions: how will they affect you?

The Spectrum IFA Group sponsors the Mimosa Matters Ball

Buying a property in France

French social charges on worldwide investment income

French social charges on worldwide investment income

Sterling or euro?

Sterling or euro?

UK Pension Reforms

UK Pension Reforms

Le Tour de Finance 2015

Living in France with assets in Sterling

Living in France with assets in Sterling

Are you thinking of moving to France?

Are you thinking of moving to France?

Producing income from your investments

Producing income from your investments

The currency exchange rate

The Spectrum IFA Group Economic Forum

The France Show, 23-25 January 2015

Looking forward to your pension

Investments: The Unconsidered Risks

French Tax Changes 2015

French Tax Changes 2015

UK Pensions Reform Overview

Pension workshops in 2015 – Deux-Sèvres

Looking forward to 2015

Financial success from your yachting career

Financial success from your yachting career

Should I stay or should I go?

What New Year’s Resolution can I make for 2015?

EU SUCCESSION REGULATIONS – the perfect solution?

EU SUCCESSION REGULATIONS – the perfect solution?

The Spectrum IFA Group sponsors What Larks English Theatre Group

The Spectrum IFA Group sponsors What Larks English Theatre Group

Tax efficient saving in France with Livret A & Assurance Vie

Le Tour de Finance – France, October 2014

Planning to retire to France?

The Paris Business Lunch

Cogs4Cancer Tribute Ride

Health Insurance for superyacht crew

With care YOU prosper

Investments and investment risk

CGT and social charges applied to rental income and investments in France

Buying property – the alternative options

Le Tour de Finance returns this autumn

Do you know which country you are resident in?

UK Pensions and Non-Residents

Inheritance Planning in France

Enthusiastic feedback from ‘Le Tour de Finance’

Inheritance and expats living in France

Are you thinking about starting a pension in France?

Pilot Loss of License and Loss of Training Expenses Insurance

Spectrum crosses the finish line with Le Tour de Finance

The Spectrum IFA Group at TED Event

Le Tour de Finance 2nd leg in France

QROPS and expats living in France

More pain and no gain from interest rates

Stick or Twist?

Residency & Tax Returns in France

Le Tour de Finance – a winner again

Capital Gains Tax and the Expat Property Owner

Should I use a Financial Adviser?

Buying Property in France

Le Tour de Finance in France

Reflections on the recent ‘French Property Exhibition’ in the UK

Who is “Ask Amanda?”

Tax Returns, Pensions & Seminars

Why expats should be wary of new pension rules

How can I find out more about the financial services that are available to me in France?

Do I have to pay French Social Charges on my Assurance Vie?

Delaying Savings

Expat tax break threatened, spelling bad news for pensioners

Should I use a Financial Adviser?

Take these steps now to live abroad after retiring

Pension changes – who benefits?

Yes, you can retire before your 40th birthday

Proposed UK Pension Changes

French Trust Law

Swedish and living in France

Aude Flyer

Is my Assurance Vie flexible?

Looking at financial stability throughout your yachting career

France’s Fight Against Tax Evasion

Buying a second home as a summer retreat

French Residency – Dispelling the Myths

French Tax Changes 2014

Use the tax structures in France to their full potential

Are you sure your bank accounts covered by the €100,000 government guarantee?

Financial Peace of Mind

Fact or Fiction

And Another Debt Crisis

Successful LTDF seminar in Valbonne

Proposed French Tax Changes

Nice-Cannes Relay Marathon

Come and meet the Spectrum IFA Group on Le Tour de Finance this Autumn

My UK will and living in France

A smart strategy borrowed from the Chinese – BBC.com

Make it work on a single salary BBC.com artcile

French U-turn on tax grab spells good news for expats

Ask Amanda in The Deux Sevres Magazine & The Vendee Magazine

UK Pensions and Living in France

‘Ask Amanda’ – The Deux Sevres Magazine & the Vendee edition

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.

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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

Moving on from Brexit

Brexit created a number of well-documented issues for expatriates living in the EU.

Financial planning and wealth management were impacted heavily as the Withdrawal Agreement excluded financial services and specifically the passporting of advisory licences between the UK and EU. This means that many UK based advisers and institutions are no longer able to engage with clients living in the EU.

The Spectrum IFA Group is licensed across the entire EEA and can ensure that your finances are ‘Brexit-proof’, through access to secure, locally authorised, tax-efficient investment solutions.

In countries such as France, Spain, Italy, Luxembourg, Portugal and Malta, you have access to many flexible investment options backed by some of the UK’s largest and most well known financial institutions.

These products, issued from Dublin or Luxembourg, are both EU regulated and highly tax efficient. One of the largest insurance companies in the UK offers a fully French compliant (Dublin based) Assurance Vie. Similarly tax efficient products, designed for expatriates, are available to Italian, Spanish, Portuguese and Maltese residents.

As a result, you can still invest with companies whose names you know and trust, whilst ensuring compliance and tax-efficiency in the country you now call home.

Contact our team in France directly by filling in the form below

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