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Goodbye QROPS, hello ISIPP solution for tax-efficient pension planning
QROPS is out – but did you know there is an even better way to invest in your retirement? Discover how the ISIPP and NT code combo can maximise your pension. After 18 years, QROPS (Qualifying Recognised Overseas Pension Scheme) is no longer the go-to...
How to work your pension around the new 25% QROPS charge
If you’re in shock from the UK budget and the 25% tax on QROPS transfers, rest assured there are still solutions to your pension problems In the wake of the new UK budget, many British expats in France are concerned by how the sudden 25% tax on transfers to...
QROPS Transfers: Navigating the New 25% Tax Charge
When transferring a UK pension to a QROPS, bear in mind the tax implications of Britain’s new overseas transfer allowance (OTA), says financial adviser Daniel Butcher. UK pension holders in France should be mindful of the overseas transfer allowance (OTA), which was...
Is Your Assurance Vie at Risk? Three Tax Changes to Watch
Expats holding French assurance vie policies should consider shifting their assets before looming government tax hikes take effect, warns finance expert Daniel Butcher Significant tax increases on assurance vie policies could arise if the government’s latest proposals...
SCPI Investments Proven to Deliver Reliable Long-Term Income
Accessible and hassle free with a 6-8% return, SCPIs are excellent investment vehicles for all expats in France, says financial adviser Daniel Butcher Although the average investment in an SCPI is €50,000, most people will be surprised to discover that lump sums...
Expat Finance Expert Demystifies Assurance Vie Options in France
Which Assurance Vie brings the best security and protection? Wealth specialist Daniel Butcher reveals all For expats with assets, Assurance Vie schemes (insurance-based investments) are ideal for reducing tax burdens, succession planning and creating capital growth....
Expat finance expert explains how to beat the rate race in 2024
You can increase your income by using inflation to your advantage, says Daniel Butcher Rising inflation is generally perceived with negativity, but in the current climate it can bring expats financial gain. Holders of an Assurance Vie – an insurance-based investment...
Make sure the Financial Adviser you meet or contacts you is regulated! In France only CIF’s are regulated.
If the person contacting you is not in France, he is passporting his rights, and is allowed to, but is he covered by French civil liability and does he know anything about French laws... Example : does a Spanish adviser know anything about French civil Law and...
Should expats in France choose a ‘contract’ or ‘trust’ QROPS pension scheme?
One is less recognised in France and could create tax problems, warns expat financial adviser Daniel Butcher. For expats transferring a UK pension to France, the Qualifying Recognised Overseas Pension Scheme (QROPS) is widely recognised as the best option. But which...
How to move your UK pension to France with a tiny tax rate
If you’re worried about moving your UK pension to France because of high taxes, try this method from expat wealth expert Daniel Butcher. Not only will you be taxed lightly, but the transfer time will be faster than expected… France is the most advantageous country in...
Stable SCPI investments weather “yoyo” markets and provide quarterly income
If your portfolio isn’t generating the income you’d planned for, there is an alternative solution, says Daniel Butcher of DTB Wealth Management. Amidst the ongoing energy crisis and cost-of-living increases, the last twelve months have seen a decline in the financial...
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...