Departure abroad

«"Alexis, I'm leaving in three months. Do I need to close my savings account?"»

This question, posed by a senior executive client leaving for Dubai, is just the tip of the iceberg. Behind this banking anecdote lies a much harsher reality: crossing the border transforms your assets into tax targets or legally obsolete investment vehicles.

THE departure abroad This is not a simple move; it is a break in tax residency that requires a multidimensional analysis. At the house of Balmont Conseil, We don't just tell you what to do with your savings; we carry out a real tax audit departure to transform your mobility into a lever for financial performance.

As a’Augmented Wealth Engineer, My mission is to submit your assets to a Wealth stress test before expatriation How will your real estate, contracts, and marital property regime react to the friction of... international tax treaties ?

Personalized analysis

The tax checklist before leaving for abroad: The 4 pillars of planning ahead

Leaving without asset assessment The first step is to navigate blindly through a regulatory storm.’anticipation of departure is your only protection against the tax risks unforeseen events.

Initial tax audit: Determining residence (Art. 4B CGI)

The first step in our specialized support is to secure your non-resident tax status. The French tax authorities use a range of indicators to determine whether you remain, against your will, within their jurisdiction. According to Article 4B of the French General Tax Code (CGI), you are considered a French resident if your household (spouse/children) remains in France, or if your center of economic interests remains there. A misinterpretation of these factors could result in all your worldwide income being taxed in France.

The Exit Tax: Anticipating the toll on entrepreneurs

If you hold significant shareholdings (over €800,000 or over 50% of a company), exit tax is a critical issue. With a tailored exit tax strategy, we can help you obtain a deferral of payment. This often requires heightened tax vigilance, particularly for exits outside the EU where bank guarantees must be provided.

The Tax and Social Security Assessment: Tomorrow's Protection

Beyond taxes, the fiscal impact of expatriation affects your social security coverage. Do you need to contribute to the CFE (French Social Security for Expatriates)? How can you maintain your pension rights through the purchase of additional quarters of contributions? We integrate these factors into your supplemental income strategy.

AI-enhanced consulting firm in France

Tax optimization Relocation: Reorganizing your investments

Expatriation renders certain "traditional" solutions obsolete. Your wealth management must become modular and portable.

Luxembourg Life Insurance: The Ultimate Weapon

For the profiles of expatriates For wealthy individuals, French assurance-vie is often too rigid and poorly treated from a tax perspective abroad (particularly in the USA under FATCA/PFIC).’Luxembourg assurance-vie offer :

THE Safety triangle A unique asset protection system worldwide, guaranteeing that your funds are segregated from those of the insurer.
Management in foreign currencies (USD, CHF, GBP) to neutralize the’impact of exchange rates.
A tax neutrality Total: Luxembourg does not tax non-residents, only the law of your host country applies.

Real estate management: Arbitrate or transform?

L'’real estate investment In France, non-residents are subject to heavy taxation (minimum rate of 20% or 30% + social security contributions of 17.2% for non-EU residents). Our wealth management advice often consists of:

Moving from bare land to LMNP (Non-Professional Furnished Rental) to eliminate tax through accounting depreciation.
Opt for the bare ownership SCPI : no taxable income during expatriation, and recovery of full ownership upon return to France.

Securing assets and succession planning

L'’tax expatriation weakens your civil structure. A death or divorce abroad can become legal chaos without a legal security reinforced.

International transmission of wealth: The Professio Juris

The European inheritance regulation allows you to choose the law of your nationality to govern your estate. At Balmont Conseil, we secure your transmission strategy to avoid the local law (sometimes incompatible, such as Sharia or the Common LawThis clause does not apply to your worldwide assets. Without it, your estate could be frozen for years.

The matrimonial property regime: Automatic mutability

Some countries automatically change your matrimonial property regime after 10 years of residence (Hague Convention). multidimensional analysis is essential to prevent your spouse from being harmed or your securing assets not to be compromised by an unforeseen foreign law.

Preparing for your return to France: The Wealth "Check-in"

Expatriation is a cycle. One wealth management, departure abroad successful already predicts return to France.

The regime of impatriates (Art. 155 B)

This exceptional scheme allows you to exempt 50% of your expatriation bonus and 50% of your foreign-sourced financial income for 8 years. It's one of the best tax optimization tools in the world, but it must be approved before you sign your contract.

The Return Asset Assessment

Reintegrating into the French investment ecosystem requires cleaning up foreign accounts and complying with reporting standards (foreign accounts, trusts, etc.) to avoid fixed penalties.

Detailed FAQ Expert answers for your mobility needs

What are the actual tax impacts of moving abroad on my personal assets?

How can I optimize my financial investments during my time abroad?

What steps must be taken before leaving France?

Why choose specialized support rather than a traditional bank?

How can I protect my family and assets internationally?

Conclusion: Human expertise, amplified by technology

Succeeding in wealth management, departure abroad It's a question of method and timing. At Balmont Conseil, We are merging Alexis Sagnier's strategic approach with the precision of artificial intelligence to address the complexity of supplementary income strategies and of the international transmission of wealth.

Don't let your expatriation turn your financial successes into an administrative headache.

Ready for your initial audit?

Contact Balmont Conseil for a personalized 360° Wealth Assessment.

Useful links:

Sources & References:

General Tax Code: Articles 4B, 155 B, 167 bis and 244 bis A.
Regulation (EU) No 650/2012 on international successions.
Bilateral tax treaties (BOFiP – Directorate General of Public Finances).
ANACOFI Member Booklet 2025 – Wealth Management Advisory Standards

Ready to structure Your future?

Whether you are in Lyon or on the other side of the world, Alexis Sagnier and the Balmont Conseil team are ready to listen to you.

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