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DTB WEALTH MANAGEMENT

News Articles

Don’t let this new law in France ruin your inheritance plans

Don’t let this new law in France ruin your inheritance plans

Your succession planning could be impacted by new rules recently introduced in France, but with expert knowledge of all ‘legal tools’ and smart Assurance Vie solutions, DTB Wealth Management can help you avoid the pitfalls. A new law in France “La Loi n° 2021-1109 du...

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Married UK expats: How to avoid inheritance disasters in France

Married UK expats: How to avoid inheritance disasters in France

If you’re British, married, living in France and want to have control over what your other half will inherit, legally it is more important to have a “Donation au Dernier Vivant” than a will. Daniel Butcher of DTB Wealth Management explains why… British married couples...

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Pension Transfer Tax

Pension Transfer Tax

Brit expats in France can still move pensions without charges - but for how long? Following Brexit legislation, DTB Wealth Management is advising expat clients in France to move their UK pensions to a QROPS as they won’t currently incur a 25% overseas transfer charge....

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Get Ready for the Consumer Boom

Get Ready for the Consumer Boom

It is sometimes said that economists add a decimal point to their forecasts to show they have a sense of humour. But in truth, despite being an inexact science at the best of times, economic data is routinely accepted as an accurate measure of the economy. This is...

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The best way to invest in a “Buy-to-Let” scheme in France

The best way to invest in a “Buy-to-Let” scheme in France

Daniel Butcher of DTB Wealth Management highlights the most lucrative opportunities for expats who want to invest in a buy-to-let property in France In the UK Buy-to-Let mortgages are a smart investment for property buyers. Although these loans do not exist in France,...

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Is this the easiest way for expats to generate an income?

Is this the easiest way for expats to generate an income?

SCPIs are “ideal” for expats seeking a low risk, hassle-free earnings, says investment specialist Expats in France who need a regular, income-generating investment should consider taking out an SCPI (Société Civil de placement immobilier). This advice comes from...

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AN EXPATRIATE GUIDE ON ASSURANCE VIE POLICIES

AN EXPATRIATE GUIDE ON ASSURANCE VIE POLICIES

Principle & Objectives: Having become the preferred investment for French people, who devote the majority of their financial savings to it, assurance vie is a vehicle for both savings and protection. Thanks to a special legal regime, assurance vie savings allow...

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Why the Retired all over Europe are now opting for S.C.P.I’s?

Why the Retired all over Europe are now opting for S.C.P.I’s?

SCPI's or Property investment trusts, are capable of generating a gross 5% annual return and are uncontestably becoming France’s most attractive investment. This is one of our favorite investments and is ideal for expats seeking an additional regular income or simply...

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BREXIT MATTERS | Visas & Residency. A REAL BREXIT Topic

BREXIT MATTERS | Visas & Residency. A REAL BREXIT Topic

Before Brexit you can apply for a European carte de séjour at your local prefecture under the current system, although this is optional. If you have applied and your residency application has been refused, or you think it has been handled incorrectly by your...

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Towards a reform of France’s inheritance and gift taxation?

Towards a reform of France’s inheritance and gift taxation?

Published on the 12th of November 2019 by Daniel Butcher, estate planning attorney at DTB Wealth Management, associate Partner of VIA La Plateforme Patrimonial. Proposed law aims, in particular, to modify inheritance tax rates and the amounts of tax deductions to...

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A GUIDE TO THE FRENCH INCOME TAX CALENDAR

A GUIDE TO THE FRENCH INCOME TAX CALENDAR

Your Essential Guide to the French Income Tax Calendar If there’s one topic you can rely on to provoke a heated debate among residents of France, it is taxes. You could even go as far as calling it France’s national sport, given the constant search by the whole...

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HOW DOES FRANCE TAX MY UK PERSONAL PENSION PLAN ?

HOW DOES FRANCE TAX MY UK PERSONAL PENSION PLAN ?

Tax and social charges applied on Lifelong annuities in French : “rentes Viageres à Titres Onéreux in France Life annuities come from the conversion of a savings product, such as a life insurance contract, a French PERCO or foreign Personal Pensions Schemes.   Tax...

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BUY TO LET IN FRANCE, TAX IMPLICTAIONS ?

BUY TO LET IN FRANCE, TAX IMPLICTAIONS ?

BUY TO LET IN FRANCE, TAX IMPLICTAIONS ? Study carried out for: RON and ANNE KELLY By DTB Wealth Management associate partner of VIA Upon request of FRENCH ENTRÉE Hypothesis 1: The couple is domiciled in France. (for information purposes only) Regime Micro Foncier...

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Pensions & Brexit

Pensions & Brexit

PART 2: WHATEVER THE CASE MAY BE, WHAT OVERALL CONSEQUENCES WOULD BREXIT HAVE ON EXPATS AND FOREIGNERS PENSIONS ? UK state pension benefits are set by the UK Government. Generally speaking, if you’ve always lived and worked in the UK, your state pension shouldn’t be...

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How to transfer your QROPS into Assurance Vie

How to transfer your QROPS into Assurance Vie

PART 1 : PENSION PLANNING ONCE ONE IS FRENCH TAX RESIDENT. When moving to a foreign country, one of the things one must consider is “pension planning”. In France, for years retirees relied solely on the state pension system called “systéme de retraite par reversion”,...

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WHY CHOOSE LUXEMBOURG ASSURANCE VIE ?

WHY CHOOSE LUXEMBOURG ASSURANCE VIE ?

Luxembourg “ASSURANCE VIE” Luxembourg Assurance vies is very popular among the expat and non-resident community, as they offer assets that correspond to their projects as an expat. From a financial point of view: • The subscriber can invest in different currencies,...

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OPTIMIZING YOUR PENSIONS TAX

OPTIMIZING YOUR PENSIONS TAX

PART 1 : PENSION PLANNING ONCE ONE IS FRENCH TAX RESIDENT When moving to a foreign country, one of the things one must consider is “pension planning”. In France, for years retirees relied solely on the state pension system called “systéme de retraite par reversion”, a...

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