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Assurance Vie opens door to flexible Lombard loan borrowing in France
French expats with an Assurance Vie policy can easily benefit from France’s Lombard loan opportunity by leveraging the private banking system, says wealth expert Daniel Butcher of DTB Wealth Management. Lombard loans (crédit lombard), a loan that is taken out against...
Expat financial adviser tests investment schemes and discovers jackpot
Should British expats in France simply draw a Defined Benefit pension, invest in a QROPs or take out an Assurance Vie? The most lucrative result combines all three, says financial expert Daniel Butcher. Many UK expats, over the age of 55, who move to France, will take...
Why Assurance Vie is the best way for expats to avoid paying tax on large sums in France
Daniel Butcher, an expert financial adviser to expats, offers crucial money-saving advice for retirees living in France What is the best way to bring lump sums from the UK into France? DTB Wealth Management – a Conseil en Gestion de Patrimoine (CGP), which is...
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...
SCPIs tipped by expert as the best income-generating investment in France
Expats seeking a regular income from capital should investigate SCPI options with DTB Wealth Management – these secure investment options can’t be beaten by any other income-generating solution. Expats in France seeking secure investments might find that French...
Why combining an S1 form and an assurance vie policy is the Holy Grail of tax savings in France
Wealth management expert Daniel Butcher explains why an S1 form can unlock significant financial advantages for retiree expats in France Having both an S1 form and an assurance vie policy carries huge financial benefits for expats in France. The reason for this is...
Why Luxembourg provides the best assurance vie policies for UK expats in France
Wealth management expert Daniel Butcher explains why a Luxembourg-based “assurance vie” bond is the best investment option for expats looking to grow lump sums or create income. When Daniel Butcher’s British expat client came to him with €200,000 to invest, he advised...
Expert tax adviser provides access to most financially rewarding investment in France
If you want to benefit from the most cost-effective, high-level interest rate possible in France, then you need to invest in “La Girardin Industriel”, says financial expert Daniel Butcher... According to DTB Wealth Management – a “Conseil en Gestion de Patrimoine”...
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...
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....
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...
The best way for Brits to bring lump sums into France from the UK
Daniel Butcher, an expert financial adviser to expats, offers essential advice to Brits moving to France. With 2021 around the corner and the Brexit transition deadline of 31 December 2020 approaching fast, what is the best way to bring lump sums from the UK into...
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,...
Still dream of retiring in France? Better move now before the Brexit transition deadline
British retirees wishing to move to France should do so before the Brexit transition period ends on 31 December 2020, urges financial expert Daniel Butcher For British citizens who want to move to France it is vital to safeguard residency and healthcare security. As...
DTB Wealth Management rebrands to increase visibility to expats in France
DTB Wealth Management has undergone a rebranding that firmly shows its commitment to supporting British expats and French inpatriates with expert financial advice in France. The new illustration of a migrating bird in the company’s logo and on the home page of the...
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...
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...
Is your healthcare covered in France if you catch the Coronavirus?
Coronavirus-related medical costs could force expats to pay thousands for healthcare in France, warns insurance expert Daniel Butcher Jane and Chris Boden, aged 65 and 71 respectively, who contracted the Coronavirus together on 21 March 2020, have to pay almost...
BREXIT MATTERS: Why expats in France need a Conseil en Gestion de Patrimoine advisor
If you are a British expat living in France, you should be working with an international Conseil en Gestion de Patrimoine (CGP) – read on to learn how a CGP can transform your financial and legal affairs. More and more French asset holders are using the services of a...
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...
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...
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...
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...
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...
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...
ASSURANCE VIE NEW GENERATION IS BECOMING MORE REAL ESTATE ORIENTATED
French “ASSURANCE VIE” French Assurance Vies are uncontestably the solution for expats seeking to invest a lump sum or make regular payments. The reason they are so successful is due to the multiple advantages they offer both residents and non-residents. The tax...
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...
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”,...
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,...
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...