Moving to France offers an incredible opportunity to enjoy a rich culture, world-class cuisine, and an enviable lifestyle — but it also brings new financial and tax considerations. Whether you’re retiring, working abroad, or relocating with your family, understanding how your wealth will be taxed and managed under French law is essential to making the most of your move.
At Blacktower Financial Management, our experienced advisers help expatriates protect, grow, and structure their wealth effectively when relocating to France. With almost 40 years of experience in international financial planning, we ensure your transition is smooth, compliant, and financially secure.
Understanding Expat Tax in France
France’s tax system differs significantly from the UK and US. Once you become resident — typically after 183 days or when your main home is in France — you’ll be taxed on your worldwide income, including pensions, rental income, and investments. However, double taxation treaties with countries such as the UK and the US prevent being taxed twice on the same income.
It’s important to plan how and when you become tax resident, as timing can have a major impact on your overall liability. Our advisers work with you to create a tax-efficient relocation strategy, ensuring your assets are declared, compliant, and positioned to minimise tax exposure.
Pensions and Retirement Income
For many expats, pensions are the cornerstone of financial security. UK pensions, US 401(k)s or IRAs, and international schemes may all be taxable in France once you become resident. With expert advice, you can structure your pension withdrawals to benefit from treaty protection and avoid paying more tax than necessary. Some clients may also benefit from transferring pensions to internationally recognised vehicles such as QROPS.
Savings and Investments
UK ISAs and many US investment products lose their tax efficiency when you move to France. Instead, French-compliant investment solutions such as an Assurance Vie can help you grow your wealth tax-efficiently while offering flexibility and estate-planning benefits.
How Blacktower Can Help
Our local advisers in France offer tailored financial advice for expatriates — covering tax, pensions, investments, and estate planning. We help you understand your obligations and make informed decisions to secure your financial future.
Speak to us today to arrange a confidential consultation and discover how we can help you make your move to France with complete financial confidence.