Articles by Tax Expert

Income Tax in the UK and France Compared

Early April in the UK sees the end of one tax year and the start of another. While in France, the end of April brings the delivery of annual household tax forms for return to the French taxman by the end of May.

moving to France - couple in french restaurant

Moving to France – The Tax Considerations

Moving to France or buying property there should be the start of an exciting and fulfilling stage of your life. Dealing with complex tax legislation may be daunting, but with early and careful planning you can prevent headaches and make the most of tax-efficient opportunities.

What Are Your UK Pension Options in France Today?

Pensions are often the key to long-term financial security, so it is crucial to take extreme care when deciding what to do here. Expatriates have the added complication of factoring in the tax rules of two countries, as well as the potential for Brexit to limit the range of opportunities.

tax on paper

France Tax Changes for 2019

This year’s changes are rather muted compared to 2018’s big reforms to the taxation of investment income and wealth tax.

A desk with a laptop and note book reviewing finances for the new year

Review Your Finances for the New Year

The new year is a good time to reflect on the previous 12 months and look ahead to what the coming year may bring. Make sure one new year’s resolution is to review your financial planning to check it is up-to-date and on track to protect your family’s long-term wealth.

mont saint michel

When Is Your Tax Freedom Day?

If you ever had the feeling that you have spent half your working life just paying tax, you are not far wrong. What with income tax, national insurance/social security, capital gains tax, VAT, council tax, excise duties and so on, a considerable amount of our hard-earned income gets diverted to the taxman each year.

Can you afford the cost of living longer?

By making the lifestyle choice to live in France, you will want to make the most of what this country has to offer by enjoying the beautiful scenery and climate for as long as you possibly can.   That may

Pension savings

Looking After Your Pension Starts with Avoiding Scams

There has never been more choice for what Britons can do with their pension. While this freedom is generally welcome, unfortunately it has brought a sharp increase in pension scams attempting to defraud people out of their retirement savings. British

Common Reporting Standard

Exchange of Information – What Changes in September?

Last September, tax authorities across the world, including France and the UK, began sharing and receiving new information on their taxpayers’ offshore assets and income. This is carried out under the Common Reporting Standard (CRS) for automatic exchange of financial

Income tax time in France

  It’s that time of year again, when we need to complete our French income tax returns, work out how much tax we owe, and submit them by the deadline. Paper returns are due by 17th May, for both residents

Personal Finance sorting through tax

Right Place, Wrong Taxes

Imagine this scenario: you are a British expatriate, living in France and enjoying the lifestyle you have dreamed about. Then you receive a letter from your local tax office claiming you owe them thousands of euros in unpaid taxes, interest

Doctor standing in front of the french flag

Healthy Pension Decisions

Delaying registering for healthcare could save tax on your pension. Here, Rupert Holderness explains what you need to know before deciding One of the key concerns for expatriates arriving in a new country is healthcare. While we hope we will

5 Tips for Wise Investment

  Achieving the optimum investment portfolio is not rocket science. Here, Rupert Holderness shares his foolproof checklist to success   Whether you are an expat or planning to move to France, this handy checklist will set you on the right

New Year Financial Planning Review

  Here we are at the start of another year, when we tend to reflect on the previous 12 months and look ahead to what the coming year may bring. It is a good time to reflect on your financial

Are Your Investments Suitable For You?

We often write about the importance of protecting your wealth, from taxes, inflation, institutional failure etc. It is worth highlighting that one key element, whether you are looking at tax planning, estate planning, savings and investments or pensions, is that

French-tax-reforms book

Major Tax Reforms in France

A new 30% flat tax rate will be introduced for investment income from January 2018, and a new version of wealth tax will only apply to real estate, lowering tax bills for many expatriates in France. As part of his

Expected tax reforms on investment income

President Emmanuel Macron promised various tax reforms during his electoral campaign earlier this year. If they all go ahead, there will be substantial changes to how investment income is taxed.   He said his key aim was to encourage people

UK Tax Evasion Crackdown

  Governments cash in on offshore tax evasion crackdown The UK tax office has reaped the rewards of its latest measures to tackle tax fraud. The past tax year netted HM Revenue & Customs (HMRC) £29 billion from tax evasion

euro money

What Tax Reforms Can We Expect under President Macron?

Five years ago, when François Hollande was elected President, we knew tax rises were imminent. This time around we are hoping for tax cuts. During his electoral campaign, Emmanuel Macron promised significant tax reductions for both individuals and businesses. Wealth

Euro coins in top of a french tax document

Working Out Your Income Tax In France

Since it’s the time of year when we need to submit our French income tax returns, our article this week reviews the basic elements of how income is taxed in France. Residents need to submit their tax return by 17th

Countdown to Brexit

4 Ways to Prepare as the Clock Ticks down to Brexit

Now that Britain’s divorce from the EU has officially begun, will we soon know more about what Brexit means for expatriates in France? Not quite. Triggering Article 50 has just set off the two-year countdown for agreeing the terms of

pension-inheritance folders

Inheriting Pensions in France – Case Study

Beware the Costs of Ill-fitting Advice for Your Life in France If you are thinking about moving to France, it is important to take a fresh approach to your financial planning. One of the biggest mistakes you can make is

What do we know about Brexit today?

Brexit has been all over the news again, with the British Prime Minister announcing her negotiating plans and MPs voting to trigger the process by the end of March. A 77-page White Paper released on 2 February has also spelled

pensions on a label

What You Need to Know About Pensions Today

Pensions are complex, yet often the cornerstone of a comfortable retirement. Today, with Brexit looming and more options than ever for what you can do with your funds, it is difficult to establish the best approach – there is no

someone doing their taxes

Buying in France? It Pays to Get Tax Advice Early

If you are buying a property or looking to move to France, it is a good idea to start your tax planning early. With suitable arrangements in place, expatriates can find France a very tax-efficient place to live – but

Businesswoman working on financial plan

Tax Planning in Today’s World

Tax planning remains an important part of protecting your wealth and retirement income, but it can be quite a minefield these days, particularly for expatriates who have cross-border interests. You need detailed, up-to-date knowledge of French, UK and international tax

budget 2017 on the key of a keyboard

France Budget For 2017

It is that time of year again, when the government releases its proposed budget for the following year and it starts to make its way through the parliamentary process. The 2017 draft budget was presented on 28th September 2016. Here

budget 2017 on the key of a keyboard

Estate Planning In France

Estate Planning In France Rupert Holderness explains why it’s wise to provide for a comfortable future in France, but also plan to provide for your loved ones and friends…. Are you planning on making France your permanent home? If so,

The word tax magnified in a magnifying glass

Tax on Savings and Investments in France

Are you protecting your savings and investments from unnecessary taxation in France? You will have worked to build up your savings; your aim now is to protect them and the income they provide. To maximise your returns, you need to

euro vs the pound

Brexit Effect on Expats in France

Land on your feet, whatever Brexit brings No matter what your feelings are about Brexit, now that the storm has started to settle it is time to shift focus from the emotional to the practical. What do you need to

Brexit And Expatriates’ Pensions

Brexit And Expatriates’ Pensions

One area of concern for British expatriates living in France is how the UK’s decision to leave the EU will affect their pensions. As with issues like residency and healthcare, the rights you have now should remain in place until

Living with Brexit

Living With Brexit

We are certainly living in interesting times, as the UK prepares to start a new chapter in its history. This has created uncertainty for British expatriates in France and elsewhere in the EU, and those planning to move there. There

French Residence And Taxes

French Residence And Taxes

Are you enjoying your new life in France, or looking forward to the time you can finally make the move? France offers so many new experiences to take pleasure in and with that and sorting out your new home and

Make Time To Future-Proof Your Legacy

Make Time To Future-Proof Your Legacy

You may have put a lot of thought into your financial planning to make sure you have enough for the retirement lifestyle you want. Have you given the same kind of attention to your estate planning? If so, is it

English and french flags with hands from each side about to shake

Tax Residency: France or UK?

If you live in France, or are thinking about moving or buying property there, you are probably wondering which is better in terms of tax residency: France or the UK?

model house created with euros and keys dangling in front of it representing rental in France©Migfoto

Tax Liability on Rental Income in France

When thinking about buying a property in France you may well consider the possibility of letting the property when you are not using it. It could be that you already have a holiday home there which you rent out or

Last will and testament form documents

French Succession Tax

New EU regulations will give you much more choice over whom British expatriates living in France can leave their assets to. You have much more freedom to choose to bequeath property, savings and investments.