Investing as an Expat in France: Why You Need a Regulated Local Adviser

Living in France as an expat offers great lifestyle advantages—but navigating wealth and investment decisions here can be a minefield. Whether you’re managing international assets, planning for retirement, or trying to optimize your taxes, working with a French-regulated investment advisory firm can be the smartest move you make.

At Aisa International France, we specialise in helping expatriates understand and thrive within the French financial system—with clear, compliant, and customized investment advice.

The French Financial Landscape: Complex but Full of Opportunity

If you’ve recently moved to France or are a long-term resident, you’ve likely noticed:

The tax system is complex, with significant differences from Anglo-Saxon countries.
Popular tools like assurance-vie, PEA, PER, and SCIs are unfamiliar to most newcomers.
There are strict rules around wealth reporting, foreign trusts and overseas income
Inheritance taxes (droits de succession) and property wealth taxes (impôt sur la fortune immobilière, IFI) can create unexpected financial exposure.

That’s where we come in.

💼 Why Work with a Regulated Investment Adviser in France?

Here’s why partnering with a locally regulated, English-speaking investment adviser makes a world of difference:

✅ 1. We Understand Both Sides

We bridge the gap between international financial practices and French regulations. Whether you’re from the UK, US, Australia, Canada, Europe or elsewhere, we help align your portfolio with your new tax residency.

✅ 2. We Offer Tailored, Tax-Efficient Investment Strategies and financial plans

Our firm designs investment plans that:

Utilise tax-friendly French vehicles, like assurance-vie or plan épargne actions (PEA).
Aim to maximise growth and minimise costs via investment portfolios that match your risk-profile
Integrate your existing offshore or home-country assets intelligently within your overall financial plan and forecasting

✅ 3. Peace of Mind Through Regulation

As a French-regulated firm (Conseiller en Investissements Financiers, CIF) and insurance broker (Courtier d’assurance, COA), we are:

Held to strict compliance and ethical standards.
Required to provide clear, transparent advice in your best interest.
Fully covered by professional liability insurance and overseen by French authorities.

👥 Who We Work With

We specialise in helping:

UK and US expats dealing with FATCA or post-Brexit changes
Retirees in France looking to maximise income and minimise taxes
Employed professionals and entrepreneurs looking for advice on their international finances
Anyone else looking for a French-regulated financial adviser, especially those with cross-border finances

🔍 What We Can Help You With As An Expat In France

Investment planning and portfolio reviews
Tax-optimized wealth structuring (using tools like assurance-vie, PEA, PER (plan épargne retraite) etc.
Retirement planning and pensions including UK SIPP, US IRA considerations and French pension forecasting
Succession and inheritance planning under French and international law, in conjunction with specialist tax advisers
Real estate investment strategy and mortgages for residents and non-residents
Life insurance, health insurance or any other significant insurance requirements
Foreign currency conversions at a very low cost, especially for large transactions such as for property purchases.

📣 Why Clients Trust Us

✅ Independent and client-first: We are not tied to any bank or insurance company.
✅ Experienced and multilingual team: Fully fluent in French and English
✅ Transparent fee structures: No hidden commissions, just clear value.
✅ French regulated: peace of mind and protection for our clients

🤝 Ready to Take Control of Your Financial Future in France?

Your financial success in France depends on more than just good investments, you need to structure them as efficiently as possible.

📞 Contact us for an initial consultation and let’s talk about how we can help you build, grow, and protect your wealth while enjoying life as an expat in France: support@aisainternational.fr.

The views expressed in this article are not to be construed as personal advice. Therefore, you should contact a qualified, and ideally, regulated adviser in order to obtain up-to-date personal advice with regard to your own personal circumstances. Consequently, if you do not, then you are acting under your own authority and deemed “execution only”. Additionally, the author does not accept any liability for people acting without personalised advice, who base a decision on views expressed in this generic article. Importantly, this article is dated and is based on legislation as of the date. It should be noted that legislation changes, but articles are rarely updated. Sometimes a new article is written; so, please check for later articles. Additionally, check for changes in legislation on official government websites. Finally, this article should not be relied on in isolation.