Moving to France from the UK?
Protect Your Pension. Preserve Your Wealth. Plan Your Future with SJB Global.
Moving to France is one of life's most exciting opportunities. Whether you're retiring to the Dordogne, purchasing a holiday home in Brittany, relocating permanently to Provence or beginning a new chapter anywhere in France, making the move involves much more than obtaining a visa or finding the perfect property.
Your financial planning deserves just as much attention as your relocation.
The decisions you make before leaving the UK can have a lasting impact on your retirement income, your family's inheritance, your investments and the tax you pay for many years to come. With careful planning before you move, many common pitfalls can be avoided, allowing you to settle into your new life with confidence.
SJB Global specialises in helping UK nationals who are relocating to France, providing specialist cross-border financial planning designed specifically for expatriates. Working alongside A New Life in France, SJB helps individuals and families understand their options before they move and continues to provide advice long after they have settled into their new home.
Financial Planning Designed for Life in France
Moving country changes far more than your address.
Your tax residency changes. Your investment strategy may need reviewing. Your UK pensions require ongoing management. Currency movements can affect your retirement income, while French succession laws can influence how your estate is eventually passed to your family.
SJB Global brings together specialists in UK and international financial planning to help clients navigate these complexities with confidence.
Rather than focusing on a single product or solution, SJB provides holistic financial planning that looks at your complete financial picture and helps ensure every decision works together.
UK Pension Transfers and Retirement Planning
For many people moving to France, their UK pension is one of their largest financial assets.
Understanding how your pension can be accessed, managed and taxed after becoming resident in France is essential.
SJB Global provides guidance on:
• UK Defined Benefit (Final Salary) pensions
• Defined Contribution pension schemes
• SIPPs and personal pensions
• Pension consolidation
• Flexible retirement income planning
• Tax-efficient pension withdrawals
• Cross-border pension taxation
• Lifetime retirement income strategies
Every individual's circumstances are different, and the right solution depends upon your objectives, residency status, tax position and retirement goals.
The aim is to ensure your pension continues to work efficiently wherever life takes you.
Investment Management for Expats
Many people relocate to France with ISAs, investment portfolios, savings accounts or existing financial arrangements established whilst living in the UK.
Once you become French tax resident, some of these investments may no longer be the most suitable or tax-efficient.
SJB Global helps clients review their existing arrangements and build an investment strategy that reflects both their lifestyle and their country of residence.
This may include:
• Reviewing existing UK investment portfolios
• International investment solutions
• Tax-efficient investment structures
• Multi-currency investment planning
• Retirement income portfolios
• Long-term wealth management
• Ongoing investment reviews
Rather than simply chasing investment returns, the focus is on creating sustainable wealth that supports your lifestyle throughout retirement.
Inheritance Planning for Living in France
Inheritance planning is one of the most commonly overlooked aspects of moving abroad.
France operates under succession rules that differ significantly from those in the UK, and many people are surprised to discover that simply having a UK Will may not achieve the outcome they intended.
Alongside UK inheritance tax considerations, French succession law and taxation can have a significant impact on your estate.
SJB Global works with clients to help them understand:
• UK inheritance tax considerations
• French succession rules
• Estate planning opportunities
• Wealth preservation
• Passing assets to children and grandchildren
• Cross-border estate planning
• Coordination with legal professionals where appropriate
Early planning can often provide significantly more flexibility than trying to restructure affairs after becoming resident.
Financial Planning Before You Move
The best time to organise your financial affairs is before arriving in France.
Taking professional advice before changing tax residency can often create opportunities that may no longer be available once you have moved.
SJB Global can assist with planning around:
• Becoming French tax resident
• Retirement timing
• Investment restructuring
• Pension access
• Income planning
• Cashflow forecasting
• Currency considerations
• Long-term retirement objectives
By planning ahead, you can move knowing your finances have been designed to support your new lifestyle.
Working Alongside A New Life in France
A New Life in France provides trusted guidance covering every aspect of relocating, from visas and residency through to healthcare, buying property and settling into French life.
For those looking to build long-term financial security, SJB Global complements this journey by providing specialist financial planning tailored to expatriates.
Together, the partnership offers practical support covering both the lifestyle and financial aspects of moving abroad, helping individuals make informed decisions from the very beginning of their relocation journey.