DTB Wealth Management

DTB Wealth Management We belong to a specific profession in France called Conseil en Gestion de Patrimoine (CGP).

DTB Wealth Management and the VIA Group network have joined forces to create the ultimate advisory service to British expatriates and French inpatriates returning to France. This means that we are highly qualified and regulated to provide analyses and solutions across financial, legal, social and real estate matters. Our team includes notaires and consultants who have at least a master’s degree (or Bac +5) in family and notarial international law.

Why 2026 Is a Turning Point for British Expats in FranceRelocating between the UK and France was once buffered with fina...
30/04/2026

Why 2026 Is a Turning Point for British Expats in France

Relocating between the UK and France was once buffered with financial flexibility. It was possible to make decisions after the move and any inefficiencies were usually manageble.

In 2026, that window has narrowed. Regulation is far tighter, reporting is more rigorous and alignment between UK and French authorities on matters of international wealth is stronger.

To see how DTB can help you, click the link https://www.dtbwealthmanagement.com/cross-border-tax/why-2026-is-a-turning-point-for-british-expats-in-france/

From ISA to Assurance Vie - Understanding how timing shapes tax efficiency in FranceThe situation. A UK client preparing...
30/04/2026

From ISA to Assurance Vie - Understanding how timing shapes tax efficiency in France

The situation. A UK client preparing to relocate to France held approximately £250,000 in ISAs built up over many years. In the UK, these accounts provided tax-free growth, flexibility and a familiar long-term investment structure.

To find out the solution to this situation: https://www.dtbwealthmanagement.com/cross-border-tax/from-isa-to-assurance-vie/

Q&A Corner – Key Questions Before Leaving the UKWhen moving from the UK to France, most people focus on the practical si...
30/04/2026

Q&A Corner – Key Questions Before Leaving the UK

When moving from the UK to France, most people focus on the practical side of relocation. However, the financial and tax questions you address before departure often have a significant impact on long-term outcomes.

Q: When should I become a French tax resident?
A: Timing is a critical factor in cross-border planning. Becoming a French tax resident before restructuring assets can significantly reduce flexibility and may limit available planning options.

Q: Should I draw my pension before moving?
A: Often, yes – but not always in full. The 25% UK tax-free lump sum can be a valuable planning opportunity when used strategically. The decision depends on wider income needs and your overall retirement structure.

Q: Can I keep my UK investments unchanged?
A: You can, but it is rarely efficient. Many UK investment wrappers lose their tax advantages once you become a French tax resident, meaning income and gains may become taxable in France. A review before or during relocation is essential.

Q: Do I need a French will?
A: Not necessarily, but cross-border estate planning requires coordination. Where assets are held in multiple jurisdictions, having aligned documentation helps avoid conflict between UK and French succession rules.

Q: Can I avoid French succession rules?
A: Not entirely. French forced heirship rules may still apply, but structuring tools – particularly the use of a Luxembourg assurance vie – can provide greater flexibility in how wealth is passed on.

Q: What happens if I delay decisions?
A: In most cases, nothing immediate changes. That is precisely the issue. The impact is gradual and often unnoticed, typically resulting in higher taxation, reduced efficiency and fewer planning options over time.

Takeaway. Cross-border financial planning is not primarily about complexity. It is about timing, sequencing and ensuring decisions are made while the right jurisdictional rules still apply.

For the full article: https://www.dtbwealthmanagement.com/cross-border-tax/qa-corner-key-questions-before-leaving-the-uk/

Our November Newsletter is out now.https://mailchi.mp/dtbwealthmanagement.com/why-the-contrat-de-capitalisation-is-the-m...
26/11/2025

Our November Newsletter is out now.

https://mailchi.mp/dtbwealthmanagement.com/why-the-contrat-de-capitalisation-is-the-most-powerful-estate-tool-for-expats

We look at:
• How démembrement and the contrat de capitalisation can lessen your inheritance outgoings.
• The ways Brian, an 82-year-old British man, successfully used the contrat de capitalisation.
• A detailed product breakdown of the contrat de capitalisation.
• Plus: we dive into the tax implications of selling a UK property from France and spotlight news on property tax, the most active SCPIs and the new Carte Vitale app, which means you can access your health card digitally.

To sign up to our monthly newsletter free of charge visit: https://dtbwealthmanagement.us14.list-manage.com/subscribe?u=9cc48751d0c0c2168fa58b531&id=2f425f1e1c

15/07/2025

The July 15th Newsletter has just landed.

Our must-reads for you this week:
• Why the advice gap for Brits in France exists and ways to fix it.
• How the Browns used communauté universelle to protect the surviving spouse.
• The three formats on offer with a Luxembourg assurance vie.
• Plus our Q&A dives into the different marital regimes in France, how ISIPPs can maximise your pension and why SCPIs deliver long-term income, while the news looks at Trump’s 30% EU tariffs, whether wealthy pensioners should bolster the French budget, how couples can manage a joint loan after separation, and more.

If you know someone new to France who’s finding their financial footing, please do forward this newsletter their way – we’d like to help as many people as we can.

https://mailchi.mp/dtbwealthmanagement.com/mind-the-advice-gap-are-your-uk-finances-legally-covered-in-france

DTB Wealth Management and the VIA Group network have joined forces to create the ultimate advisory service to British expatriates and French inpatriates returning to France.

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