Protection News & Insights

For British nationals living in France, understanding how to manage savings and investments under a different legal and tax system can be challenging. However, one financial structure stands out for its flexibility, efficiency, and long-term planning benefits: the French Assurance Vie. Understanding Assurance Vie The Assurance Vie is a cornerstone of financial planning for residents […]

Why a strategic financial plan is essential for British nationals living abroad For British nationals who have chosen to live, work, or retire overseas, the expat lifestyle offers many opportunities—warmer climates, cultural enrichment, tax advantages, and improved quality of life. However, these benefits can quickly be undermined without careful and informed financial planning. Whether you’re […]

For the first time, the size and scope of the global high-net-worth (HNW) international life insurance market have been formally identified and quantified, validating industry expectations that this represents a rapidly expanding market with growing global significance. The findings come from a landmark study conducted by NMG Consulting and released by Utmost Group, a leading […]

As we approach tax season, it’s crucial to stay on top of upcoming tax deadlines, especially if you’re considering taking advantage of Portugal’s Non-Habitual Resident (NHR) tax regime. The deadline for NHR applications for the 2024 tax year is fast approaching on March 15, 2025. If you’re planning to apply, it’s essential to start the […]

Great news for many seniors in France: the tax allowance for those over 65 is being increased in 2025, meaning lower tax bills for many people when they file their 2024 income tax returns this spring. Here’s everything you need to know about this tax allowance, who qualifies, and how the changes affect your 2024 […]

Making contingency plans for the unexpected is an essential part of wealth management. However, this aspect of financial planning should not be confined simply to strategising for the possibility of inflation, volatility, currency exchange movement and other macro factors; it should also account for personal factors. For example, how might your circumstances and goals change over time and are your retirement financial plans flexible enough to respond to these changes?

Examples of changes in personal circumstance include long-term care and medical costs, or large one-off capital expenses. And another important question, albeit loaded, is that of divorce.

There is good reason to address this question; 2017 data from the Office for National Statistics reveals that despite overall divorce rates for opposite-sex couples being at their lowest level since 1973, divorce among older people is actually rising.*

Italy has long been a top destination for anyone seeking a charmed life. A combination of rich culture and stunning landscapes have always made settling in Italy an attractive prospect, but the allure of Bel Paese has peaked in recent years. The appeal lies in the country’s flat tax regime, an increasingly strong magnet for […]

As expatriates living in France, understanding the nuances of the local tax system is crucial to effectively manage your finances and ensure compliance. Enjoy our guide to navigating French taxes in 2024 for expats. France is renowned for its comprehensive welfare system, funded by various taxes and social charges, which in turn offers residents a […]