Post-Brexit Investment Advice | Residents in France with British Pensions

Are you an expat in France? Take action now and keep your UK pension safe!

Holders of British pensions and investments living in France still need to receive regulated advice. The Aisa Group is regulated in both France and the UK, so we are perfectly placed to help you with your expat retirement planning now Britain has left the EU.

If you receive financial advice, you could be over £40,000 better off* in the future – and these gains could be even greater where poor advice has previously been received. In the wake of Brexit, it is more important than ever to seek expert guidance on what is best for you.

Watch our video to find out more about Post-Brexit Advice in France

Post-Brexit Investment Advice | Residents in France with British Pension

*According to ILC report ‘The Value of Financial Advice’ (2017).


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    Your rights as a French Resident are protected under the UK’s Withdrawal Agreement and you will be able to hold a French Residency Card (Carte de Séjour), and this card will grant you permanent residency in France for the rest of your life.

    British Pension after Brexit

    You should probably take local tax advice before taking your UK pension The lump sum in not tax free in France, as it is in the UK. And, lump sums are treated differently than a regular income when it comes to paying tax in France

    ‘Pension aggregation’ should continue for those that have worked in different EU states and contributed to different social security schemes.

    Brexit pension advice in France

    Before taking advice on British pension products in France, you really need to check if the advice firm has access to the UK pension providers (in other words, will they deal with the firm?). If not, it is likely you will be recommended an often unnecessary transfer to another product that may be more expensive- the UK does offer very competitive pensions compared to many products in the EU. If the advice firm does not hold ‘terms of business’ with your current provider in the UK, then how can they become your adviser for this product? Bear in mind, financial firms cannot sell their services into France unless they obtain local licences in an EU/EEA country due to EU passporting.

    EU passporting?

    EU passporting enables financial firms in the EU/EEA to provide financial services to investors in other EU/EEA countries. The Aisa Group has a regulated advice firm in France, the UK and the Czech Republic which together provides coverage for regulated advice in Europe(incl the UK).

    UK pensions for residents in EU/EEA states going forward?

    MiFID rules for the EU do not actually cover pensions at all. In fact, given the UK requirement to achieve a professional level standard of qualifications it is far more likely that a UK based firm will be better placed to understand your UK pensions and advise you accordingly on the pensions- note they will need professional Indemnity Insurance to cover UK pensions advice outside of the UK.

    Are QROPS suitable for residents in France?

    QROPS are recognised overseas pension schemes that can accept transfers from UK registered pensions and most are created using trusts. Trusts are not recognised in France and so additional tax advice should be taken before considering a transfer.

    Is moving a  QROPS back to a UK pension a good idea?

    Many QROPS transfers were totally inappropriate and are significantly more costly that a UK equivalent that holds clean lower charged funds. In these cases, it may be worth considering.


    If you are resident in France, or you are considering retiring to France from the UK, we can guide you on how your pension options might be affected by Brexit. Don’t get caught out now Britain has left the EU.

    If you have £150,000 or more in your pension or investments, our award-winning advisers can:

    tick Provide information on your options, including comprehensive knowledge of French and UK products.

    tickExplain why you should consider retaining your UK pension.

    tickAdvise on which products are suitable if a transfer is recommended.

    tickHelp you avoid large transfer charges and unnecessary taxes after Brexit.

    For more information view our video or obtain our brochure written by dual-regulated expert advisers.
    Brexit does not mean the end to quality accessible advice.

    Expats have lots to consider – but don’t ignore your pension!
    Questions you should ask:

    tickShould you transfer your UK pension or leave it where it is?

    tickHow to avoid paying tax twice on your pension income?

    tickHow to manage your pension investments if outside the UK?

    tickWhat happens if your beneficiaries live in another country?

    tickThe difference between QROPS and International SIPPs?

    tickThe best way to access your pension overseas after Brexit?

    Over 200 independent judges have presented Aisa Group with 20+ International & UK Awards making us the choice of professionals for pension and investment advice since 2009.