I am preparing to leave
Identify what to review before changing residence: policies, cash, property, your business, retirement and family arrangements.
FRANCE ↔ SPAIN
Wealth planning for French nationals in Spain
I help French nationals living, moving or investing between France and Spain organise their wealth, so each decision takes the whole picture into account.
Policies, banking, property, business, retirement, inheritance and cash: the France–Spain assessment helps identify what needs reviewing, in what order, and where a specialist should be involved.
Start the France–Spain assessmentAn initial 40-minute wealth planning conversation, where your needs fall within our area of expertise.
Moving country does not move all your assets with you
When you move from France to Spain, reviewing each policy in isolation can miss the bigger picture. Your moving date, assets kept in France, a company, a property, an upcoming sale or a cash inflow can all change which decisions need attention first.
I already live in Spain
Review the arrangements you still have in France and check whether they fit your current circumstances, assets and plans.
A major event changes your plans
Selling a business or property, receiving an inheritance, retiring or holding significant cash: review the whole picture before choosing an individual solution.
For a timeline of your move, explore the stages of expatriation.
What to review before choosing a solution
Contracts and investments
French life insurance policies, PEA and CTO investment accounts, PER retirement plans and international policies need reviewing in light of your residence, how you use them and your plans.
Understanding Luxembourg life insuranceBanking and cash
Where to hold your cash, how to organise transfers and how much you really need to keep available before investing.
Review the terms of a Lombard loanProperty
Keeping, renting out, selling or financing a French property needs to be considered alongside the rest of your wealth.
Business and holding company
Pay, dividends, business cash, a company sale and personal wealth need to remain aligned when a business owner moves country.
Wealth planning decisions for business ownersRetirement
Plan ahead for retirement dates, future income and the assets intended to supplement your pension before they limit your options.
Estate planning
Family circumstances, beneficiaries, assets in different countries and inheritance plans often need to be reviewed together.
How I help and when I involve other specialists
I can help organise your wealth and identify the points that a tax adviser or lawyer needs to confirm. I do not replace their advice: I coordinate with them so your wealth planning decisions remain consistent with their conclusions.
Organising your wealth
- Circumstances and objectives
- Financial assets
- Insurance and capitalisation contracts
- Cash
- Property within your overall wealth plan
- Retirement
- Inheritance within your wealth plan
- Timing of decisions
- Implementation within our authorised scope
Points to confirm with the relevant specialist
- Determining your individual tax residence
- Tax advice
- Exit Tax
- Inheritance law
- Company law
- Immigration
- Accounting
- Local filing requirements
- Individual legal opinions
The France–Spain assessment in 7 questions
A few minutes to understand your situation and identify the most useful next step.
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This result helps prepare a conversation. It is not a financial recommendation or a tax opinion.
What happens after the assessment
First meeting — Understand
40 minutes to understand your circumstances, objectives, assets and timing, and identify what needs further review or specialist confirmation.
Second meeting — Organise
Present the overall plan, put decisions in the right order and identify the checks needed before implementation.
Implementation and coordination
Implement the agreed solutions within our authorised scope and coordinate with other professionals when their involvement is needed.
Common questions before or after moving to Spain
Do I need to close my French life insurance policy when I move to Spain?
Not automatically. Whether a policy remains suitable depends on its structure, how you use it, your country of residence, the applicable tax rules and your plans. The first step is to review the policy before deciding whether to keep, amend or replace it.
Can I keep my French investments while living in Spain?
Many assets can remain in France, but their treatment, any reporting requirements and their role in your wealth plan may change. Being able to keep an asset does not necessarily mean it is still the right fit.
What should I review if I keep a property in France?
Financing, income, plans to keep or sell the property, inheritance and liquidity need to be considered together. The precise tax consequences must be checked for your circumstances.
I run a French company from Spain. Does this affect my wealth planning?
Yes, because business and personal wealth can overlap. Questions about effective management, taxation or company law nevertheless require the relevant specialists.
Can you determine my tax residence?
No. Martins Patrimoine can explain the general principles, plan for the wealth implications and identify what needs checking, but an individual conclusion on tax residence must come from the relevant specialist.
To explore a topic further, read our wealth planning guides.
Your next step
Already living in Spain or preparing to move?
Start by identifying what really needs your attention before making a decision about your wealth.
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7 questions to prepare your next step
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