Expatriates & non-residents
You are moving to a new countryWhat should you reviewin your French assets?
Policies, property, tax, your business, retirement and inheritance:
what seems simple before departure can become complex
Once abroad.
Before you close a policy, sell a property or move money,
check what changes with your country of residence.
- 100+clients advised
- ORIAS No26000203
- Directlywith Gary
Wealth
anchored in France
Your assets in France
Your life abroad
Private advice · Your priorities first
What to do with your contracts and property in France?
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Anticipating the financial consequences
Review your French policies, income and assets in light of the rules where you live.
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Easier coordination
Identify the checks, documents and professionals you need, and in what order.
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Preserving your options
Identify what to prepare before leaving, while abroad and before returning.
Have you set a departure or return date? Review your policies and planned transactions before the move.
YOUR MOVE ABROAD
What stage are you at?
The checks you need depend on where you are in your move.
Choose your situation to see what to check first.
Leaving, settling abroad and returning raise different questions.
Let's look at the ones that affect you.
Before departure
I am preparing to leave
What changes
Before leaving, review your residence, policies, property, business, cash needs and inheritance plans.
Priority checks
Institutions to be informed
Policies to keep or review
Accessible emergency cash
Already installed
I already live abroad
What changes
Arrangements kept in France may no longer fit your country of residence or your current plans.
Priority checks
Policies and investment accounts
Income and tax treaties
French real estate
Return to France
I'm preparing my return to France
What changes
Before returning, plan how to reorganise your finances, including any transfers, repatriation of funds or investment switches.
Priority checks
Order of transfers
Bank supporting documents
Foreign or French contracts
BEFORE YOU COMMIT
What decisions should be checked before leaving?
They seem simple, yet a new residence can change their taxation, efficiency or the necessary proofs.
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Close or cash in a policy
Life insurance, PER, capitalization or account: too fast a closure can remove a useful option or create a consequence that is difficult to correct.
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Move a large amount
Poorly sequenced transfers can lead to tax, banking, reporting or justification difficulties.
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Sell, rent or refinance property
Review how the property is used, its loan, income, tax treatment and inheritance implications before deciding.
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Change your pay, pension or inheritance arrangements
Overly late reorganization may limit certain options or complicate coordination between several countries.
Before acting, check whether another step needs to come first.
YOUR ASSETS AS A WHOLE
Living across more than one country:
what should you plan for?
A move can affect several parts of your finances.
Let's examine them together before making changes.
Your assets
Across countries
Reviewed together
What assets will you keep in France after moving?
Click on a topic to see the main points to check.
Life insurance, capitalization, accounts
Policies and investment accounts
What changes
Check whether you can keep your French policies, make withdrawals and use them in your new country of residence.
- Can you still hold the policy under its terms?
- Does moving change the consequences of withdrawals or investment switches?
- Does the beneficiary clause need reviewing?
Property held in France
French real estate
What changes
If you own property in France while living abroad, review its income, loan, use, the relevant treaty and inheritance arrangements.
- Should the property be kept, rented, sold or refinanced?
- Do credit and insurance remain adequate?
- Have you reviewed the treatment of your French income?
Business owner or shareholder
Business and shareholdings
What changes
Changes in residence, pay or dividends affect both the business and your personal finances.
- Should the effective direction be analysed?
- Are pay, dividends or a business sale involved?
- Do the changes still fit your personal financial needs?
Cash, currency, credit
Liquidity and financing
What changes
Liquidity must be coordinated with currencies, banking restrictions and available collateral.
- What liquidity should be kept in each currency?
- Should a transfer wait until another step is complete?
- Is asset-backed financing possible?
PER retirement savings, pensions and protection
Retirement and protection
What changes
Before contributing, withdrawing or changing an arrangement, review your retirement, social protection and possible return date.
- Should you contribute to, keep or review your PER?
- Are the pensions coordinated?
- Does the return change the horizon?
Beneficiaries, heirs, property
Family and inheritance
What changes
Family, habitual residence, beneficiaries and multi-country assets require careful coordination.
- Where do beneficiaries and heirs live?
- Are your beneficiary clauses up to date?
- How do your properties affect your estate planning?
France–Spain expertise
Does your life connect
France and Spain?
Review residence, policies, property and inheritance together to avoid conflicting arrangements between the two countries.
- Residence and taxationTax status, treaties, income and connecting factors.
- Contracts and investmentsLife insurance, capitalization, retirement, accounts and taxation.
- Property and inheritanceOwnership, rental income, capital gains, gifts and inheritance.
Check the consequences
In both countries
France–Spain: your assets and plans
need a coordinated review
Between two countries, the risk is not just fiscal.
It is also the order of decisions, contracts and declarations.
Stability
Perspective
Quality of life
Horizon
Your wealth
Two countries
More opportunities
France–Spain
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Residence
Tax status, interest centre, evidence, declarations.
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Life insurance
Contracts, key clauses, beneficiaries, cross-border taxation.
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Property
Ownership, rental income, capital gains, IFI and wealth tax.
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Estate planning
Gifts, inheritance, wills and cross-border agreements.
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Moving / Returning
Prepare for arrival, plan your return and keep arrangements consistent.
Coordinate before acting
Moving to Spain?
Coordinated decisions
THE EXPATRIATE WEALTH PLANNING CALENDAR
Decisions to be checked at the right time
Not ready to talk yet? Use the checklist for your stage: leaving, living abroad or returning.
- Departure, life abroad and return
- Six areas of your finances
- Documents and subjects to be coordinated
Free download · No email requested.
DIRECTLY WITH GARY
Planning to move abroad or return?
Let's talk before you move
In 40 minutes, we identify the urgent decisions, those that can wait and the necessary validations before acting.
- 100+ clients advised
- 5,0/5 on Google
- ORIAS n° 26000203
- Directly with Gary
YOUR NEXT STEP
Choose a time Discuss my situationConfidential · No obligation · No complex paperwork needed for this first conversation.
