Pensions and retirement planning in France

In order to make a fully informed decision, you first have to establish how each option suits your circumstances and objectives, research the UK and French tax implications, and weigh up the pros and cons – ideally before you apply for a residency.

UK pension and tax regulations change regularly, and the new UK government is planning a large-scale pension review. Tax in France is rarely straightforward and also prone to change. It’s important to keep up to date on reforms in both countries and review your retirement planning accordingly.

Some key considerations…

  • What options are available for the types of pensions you have?
  • Will they achieve your objectives for yourself and your heirs?
  • Do they suit your risk tolerance?
  • What are the tax implications in both UK and France?
  • Can you benefit from the taxation regime of the French authorities?
  • What happens to your pensions when you die?
  • How many different pension schemes do you have? Is it worth consolidating into one pension pot?
  • Will your savings last a lifetime? What happens if you draw too much too early?
  • How should the underlying funds be invested?
  • What other savings or bank accounts do you have to support your retirement years?

Blevins Franks pensions service

Our integrated service covers pension advice, investment, taxation and succession planning. It’s built on these key elements:

  • A clear understanding of the options available to you, to ensure you make the right decisions. This includes pensions consolidation, UK SIPPs, QROPS (Qualifying Recognised Overseas Pensions Schemes) and encashment to benefit from more tax-efficient investment structures in France.
  • The design of your retirement planning solution to provide the optimum level of income that you need at the time you need it.
  • An analysis to understand how best to minimise tax on your retirement income – France can offer very attractive tax planning opportunities in some circumstances.
  • Advice on the investment management of your pension fund.
  • An ongoing regular review service, bearing in mind that retirement can last for 30 years or more – retirement planning is never a one-off event.

We are authorised and regulated to provide advice on UK defined contribution pension funds in both the UK and in France. If you already live in France, this service will be co-ordinated by your local Blevins Franks adviser.

Contact us today to learn how we can help you
with your pensions and retirement planning.

Fill in our online form below so we can contact you to
arrange an initial consultation or contact your local office.

Annecy Valbonne   |  Aix-en-Provence Beziers Saint-Jean (Toulouse)
Villenave d’Ornon (Bordeaux)  |  Bergerac Niort

 

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