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OUR SERVICES
Building a fully integrated strategy
Changing your country of residence never affects a single aspect of your situation. Your business, income, and bank accounts are reorganized along with your tax residence, and your family follows the same timeline. Each of these elements can be handled correctly on its own, but the whole may not hold.
We work with you to define the desired organizational structure, then we manage the professionals who implement it. We maintain overall vision from start to finish.
EACH PROJECT IS DIFFERENT.
The support provided is also important.
An entrepreneur who operates remotely doesn't face the constraints of a shareholder-manager of multiple companies, and neither group encounters the challenges of a family with assets spread across several countries. The former must demonstrate where their business is actually conducted. The latter must manage their shareholdings before relocating. The third grapples with conflicting inheritance laws.
We therefore never start with a standard solution. We study your situation in detail, and the scope of our intervention then takes shape around your specific case. Ten years of experience with cases allows us to see very early on where yours will lie.
RELOCATION AND INTERNATIONAL RESIDENCE.
Making a change of residence a reality.
Choosing the destination doesn't close anything. It's the moment when the work begins.
We prepare for your departure, then we handle all the necessary procedures on the ground until you obtain your visa and residency permit. At the same time, we address any remaining ties you may have to your country of origin, as this is almost always where the difficulties arise. Obtaining residency abroad is one thing.
Ceasing to be considered a resident by the administration you are leaving is another matter, and the two are not dealt with in the same place.
When a case requires the expertise of a tax specialist, lawyer, or wealth management advisor, we bring them in at the appropriate time and integrate their work into the overall strategy. You end up with a sound financial situation, not a foreign address.
COMPANY AND INTERNATIONAL ACTIVITY.
Your structure must correspond to your new reality.
For a manager, changing residence without reviewing the organization of their business is like moving only one piece of a set that has several parts.
We begin by examining where your business actually operates, where your clients and partners are located, and the channels through which your finances flow. This examination determines the structure, never the other way around. A company created before answering these questions will, sooner or later, find itself challenged precisely where it should have been strong.
We then guide the creation or reorganization process with professionals in the chosen jurisdiction. The incorporation, governance, and accounting are developed together, and a holding company is added when the ownership structure warrants it.
The company must remain consistent with the residence and actual activities of its leader. This is our starting point, never a variable to be adjusted.
BANK AND FINANCIAL ORGANIZATION.
A new residence needs to function on a daily basis.
It's often the bank that decides whether a relocation goes ahead or drags on. A company set up in a few days can wait weeks for its account, and nothing starts until it's open.
We prepare the application before submitting it, and we present it to the institutions that accept your profile. A new resident with no local history, an executive whose income comes from abroad, or a company owned by a holding company will not receive the same welcome from every bank. Knowing which one will approve your application isn't something you learn from a book; it comes from ten years of seeing the process through to the end. And a rejection will have repercussions on subsequent applications.
Personal and professional endeavors are undertaken in the same movement, even if the institutions never process them at the same pace.
Private banking intervenes later, when assets or financing needs justify it.
ASSET MANAGEMENT, INVESTMENT AND FINANCING.
Think beyond simply changing residence.
Changing your residence changes how your assets are held, financed, and transferred. What you keep doesn't automatically follow.
We bring in the necessary expertise as issues arise. First, wealth structuring and international real estate; then financing and Lombard loans when a need for liquidity arises without you wishing to sell your assets; and finally, inheritance planning. The inheritance laws of your new country do not overlap with those of your country of origin, and navigating the differences between the two requires careful preparation well in advance of any need.
Each decision remains within the context of your overall situation.
RELOCATION AND INTERNATIONAL LIVING
A strategy only delivers value when it works in practice
Once the visa is obtained and the company is established, the bulk of the work remains to be done. This is the point at which most support services end.
Accommodation is prepared before your arrival, because without a lease in your name certain procedures cannot be completed.
Next come insurance and everyday needs.
We remain the point of coordination until the defined organization is functioning on the ground, in practice.
Your tax lawyer is an expert in tax matters. Your accountant understands your business. The bank analyzes your cash flow and assets. The local partner is an expert in the jurisdiction where you are setting up your business.
Each one excels in their own area, and each one stops at their own boundary. No one is responsible for what happens between them, and that is precisely where files get lost: advice given without knowing a decision made elsewhere, a structure validated by one that the other discovers too late.
Coreway Consulting connects these areas of expertise, organizes their intervention and maintains the overall vision.
You do not have to coordinate several professionals yourself who are working separately on the same situation.
That's our job.
THE COUNTRY YOU LEAVE MATTERS AS MUCH AS THE ONE YOU MOVE TO
International relocation is about more than obtaining residency
An apartment, company shares, rental income or an open contract continue to produce effects after your departure.
Some pose no difficulty, while others are sufficient for the administration to consider that the center of your interests has never left the country. The difference lies not in the amount, but in the nature of what remains and how it is organized.
We handle both sides of the project and coordinate communication between your current advisors and professionals in your chosen destination. Your existing advisors are not excluded; they are integrated.
One single trajectory. Several issues to coordinate.
Frequently asked questions about Coreway Consulting's services
THE FIRM AND DESTINATION SELECTION
Relocating is not simply a matter of choosing a country with attractive taxes. Tax residency, professional activity, company, bank accounts, assets, real estate, family, insurance, investments, and daily life organization form a complex system. Treated separately, these elements create an organization that looks appealing on paper but is indefensible in reality. A company established in a jurisdiction where its director doesn't actually conduct business. A new residence that triggers unexpected consequences for assets, companies, or income remaining in the country of origin. A bank account refused because the application doesn't tell a coherent story.Coreway Consulting maintains a comprehensive overview of the project, analyzes your situation, identifies relevant destinations, determines the issues to be addressed, and manages the professionals in each relevant jurisdiction. You have a central point of contact who oversees the entire project, ensures consistency across all decisions, and saves you from having to explain your situation to five different stakeholders.This coordination changes the nature of the project: instead of piling up independent services, you build an organization where each element has been validated in relation to the others. This is precisely what distinguishes a sustainable relocation from a fragile arrangement.
28 destinations spread across the Middle East, Europe, Asia, the Americas and the Caribbean, and the Indian Ocean. Dubai, Bahrain, Qatar, Switzerland, Monaco, Andorra, Portugal, Italy, Greece, Malta, Cyprus, Luxembourg, Jersey, Guernsey, Isle of Man, Gibraltar, Georgia, Singapore, Hong Kong, Bali, Panama, Bahamas, Cayman Islands, Uruguay, Costa Rica, Paraguay, Bermuda and Mauritius.This comprehensive approach allows us to avoid basing recommendations on predetermined destinations. Two entrepreneurs with comparable incomes often require entirely different solutions depending on their business, clients, family, assets, and the actual time they will spend in the country. A manager whose team remains in Europe has different constraints than a consultant working entirely remotely. An investor seeking a private banking environment will not consider the same jurisdictions as an entrepreneur looking for a startup ecosystem.We therefore compare several jurisdictions according to identical criteria: tax framework, residency requirements, banking environment, accessibility, stability, cost of living, education, and compatibility with your actual mobility. We then select the one that best fits your overall situation, not necessarily the one with the lowest rate.
The recommendation is based on your individual situation, never on a comparative table of tax rates. We examine your current tax residence, your professional activity, the location of your clients, your companies and their country of registration, how you receive your income, your assets, your investments, your family situation, your international mobility, and your plans for the next three to five years.Your personal priorities are just as important as the technical aspects. Some seek a vibrant entrepreneurial environment and global air connectivity. Others prioritize proximity to France, legal stability, access to private banking, administrative simplicity, the quality of international education, or the opportunity to travel extensively throughout the year.We compare several destinations against these criteria and eliminate those that seem attractive on paper but wouldn't work in your daily life. A jurisdiction requiring a significant physical presence isn't suitable for an executive who travels constantly. A distant destination isn't suitable for a family whose ties remain in Europe.Following this analysis, we confirm the destination you had identified, or we present you with a better one and explain why.
This is the most common starting point. Determining the appropriate country is the first part of the process, not a prerequisite. Many of our clients know they want to leave their current residence but don't know which jurisdiction will best meet their professional, tax, wealth management, and family objectives.We begin by understanding your project and priorities. Your actual mobility, your business, your assets, the location of your clients, your family, your banking needs, your budget, and your desired lifestyle gradually narrow down the scope. An entrepreneur whose clients are European and who wants to return home once a month will not consider the same jurisdictions as an investor with free rein. A family with school-aged children imposes constraints that taxation alone cannot resolve.We then compare the remaining scenarios on identical criteria and measure the consequences of each, including in the country you are leaving.We are not presenting you with a list of countries ranked by tax attractiveness. We are presenting you with a few options that deserve serious consideration, along with the advantages and disadvantages of each.
Yes. Many clients arrive with a destination already identified, often Dubai, Switzerland, Portugal, or Malta. Our first task is to verify that this choice makes sense in light of your entire situation: business, companies, assets, family, banking needs, mobility, and ties maintained in your country of origin.If you've made your choice, we'll organize and coordinate all the steps of your installation, without starting from scratch. If certain aspects weaken it, we'll present you with alternatives and compare them point by point.We don't question your decision on principle. We verify that it's based on a thorough examination and not on reputation or the testimony of an acquaintance whose situation has nothing to do with yours. A destination perfectly suited to a solo entrepreneur working remotely is rarely ideal for an executive whose teams, clients, and assets remain concentrated elsewhere.Similarly, a relevant tax jurisdiction can present banking, family, or practical difficulties that only become apparent during the execution phase. We identify these issues before any proceedings are initiated.
No. Dubai offers a dynamic economic environment, global air connectivity, world-class infrastructure and a tax framework that are ideally suited to many entrepreneurs, executives and investors.For other profiles, distance from Europe, family constraints, climate, desired lifestyle, business location, or certain estate planning issues make another jurisdiction significantly more relevant. An entrepreneur who wants to remain within two hours of France will consider Andorra, Switzerland, Portugal, or Malta. An entrepreneur focused on Asia will look at Singapore or Hong Kong. A family seeking a French-speaking environment and French schooling will consider Mauritius. A wealth manager preparing for inheritance will consider yet other criteria.We never assume that Dubai is the answer, even though we have a presence there. We study your situation and then determine whether Dubai is a suitable option or if another destination would better suit your business, assets, family, and lifestyle.A firm that always recommends the same destination is not doing analysis, it is selling a product.
INVESTISSEMENT ET FINANCEMENT
Investing Internationally and Financing Your Projects
The scope of the mission depends on your profile and the chosen destination. We coordinate the change of residence, visas and residence permits, the creation or reorganization of a company, the opening of personal and professional bank accounts, accounting organization, tax and legal issues, and the actual relocation to the new jurisdiction.For clients with significant wealth management profiles, our support includes wealth structuring, holding companies, private banking, international investments, financing, Lombard loans, real estate, and estate planning. We also coordinate, when necessary, communication with your existing advisors in France to ensure that your country of origin receives the same level of attention as your destination country.A consultant working remotely on their own doesn't require the same level of organization as a manager with multiple companies or a family whose assets are spread across several jurisdictions. Therefore, we define the scope of services truly needed for your case, select the appropriate professionals in each area, and maintain overall coordination until full implementation.You know at all times where each aspect of the project stands and who is involved in what.
The initial consultation is to understand your situation, not to present the advantages of a particular country. When you complete the preliminary questionnaire, we analyze your business, income, assets, current residence, family, mobility, and objectives.The interview then delves into what really matters: professional organization, existing companies and their role, location of clients, revenue structure, investments, assets you wish to retain, envisaged timeline and destinations you have already considered.We identify the true issues in your case and the points that require the intervention of a tax specialist, lawyer, accountant, bank, or local professional. Some cases reveal a crucial issue at this stage that the client had not anticipated: an upcoming sale, a shareholding subject to specific rules, or a family situation that complicates demonstrating a change of residence.We then determine the next steps, the scope of support corresponding to your project and the realistic timetable for its implementation.This exchange takes place in a strictly confidential setting and does not commit you to anything.
No complete administrative file is required for the initial exchange. However, a few elements make it significantly more useful.Your current country of tax residence, your professional activity, the companies you own and their country of registration, the main location of your clients and how you receive your income: salary, dividends, executive compensation, personal invoicing, property or financial income, capital gains, digital assets.An estimate of your business income level and net worth allows us to immediately identify the issues to be addressed and the level of expertise to be mobilized.The ties you intend to maintain in your current country also come into play: real estate, company, investments, spouse, children, or professional activity. These factors often carry more weight than the destination itself in the viability of the project.Your schedule and desired lifestyle complete the picture. A person wishing to live year-round in their new destination has a different profile than someone who splits their time between several countries.Our questionnaire gathers all of this information in a few minutes and prepares the analysis even before your first call.
The timeframe depends on the destination, the complexity of your situation, and the number of issues to coordinate. A case involving a single individual, a business that can be easily relocated, and few assets progresses quickly. A project involving multiple companies, significant assets, a family, and investments spread across several countries requires more time, primarily because decisions must be made in the correct order.Certain processes have their own pace, regardless of your schedule: obtaining a visa or residence permit, registering a company, obtaining a license, opening a bank account, producing legalized or apostilled documents. Bank processing times are often the most underestimated factor.The tax calendar is just as important. The effective date of departure, a business sale, the payment of dividends, or the reorganization of a structure can justify bringing forward or delaying certain steps by several months.We therefore build an overall project schedule from the initial analysis and we order the steps to avoid an interdependent step being started too early, which would then require undoing what has been done.A key calendar point, often crucial. The year of departure requires two tax returns: a standard return covering income received from January 1st to the departure date, and a supplementary return covering only French-source income taxable in France between departure and December 31st ( French tax authorities ). Your file is then automatically transferred to the non-resident tax office, without any further action required on your part ( French tax authorities ). This calendar dictates the departure date as much as the practical considerations.
INVESTISSEMENT ET FINANCEMENT
Investing Internationally and Financing Your Projects
These three concepts are commonly confused, although they follow different logics.A visa or residence permit authorizes you to stay in a jurisdiction under the conditions set by that jurisdiction. This document does not make you a tax resident of that jurisdiction, and many schemes are built on this confusion.Tax residency is governed by rules specific to each country and is also analyzed in light of your situation in other relevant countries. The number of days spent in a country is important, but the location of your permanent residence, the location of your family, your professional activity, your economic interests, and the actual organization of your life are just as important, sometimes even more so.A person can hold a right of residence in three countries without this determining their tax residence in any of them. Conversely, a person can be considered a tax resident of a country where they do not hold any specific residence permit.When two jurisdictions simultaneously consider you a resident, international tax treaties provide criteria for differentiation.We integrate these three levels into the analysis and we mobilize the competent professionals when the case requires it.In practical terms, French tax residency is based on four alternative criteria, only one of which is sufficient to maintain your tax liability in France: your home, or failing that, your principal residence; the exercise of a non-secondary professional activity; and the center of your economic interests ( BOFiP, Taxable Persons and Tax Domicile ). A visa does not fall under any of these four criteria. Therefore, a residence permit obtained abroad, regardless of its duration, is never sufficient to establish departure from France.
The 183-day threshold comes up in every conversation. It's not a universal rule and it doesn't determine your situation on its own. Some jurisdictions apply different, more or less strict, conditions, and your former country of residence examines its own criteria independently of what your new country stipulates.Your permanent residence, the location of your family, your professional activity, the place from which you actually run your business, your economic interests and the general organization of your life often weigh more than a count of days.Basing a relocation solely on the number of days spent in a country remains the most common and costly mistake. A person who spends less than six months in a country may retain sufficient ties there for the question of their residency to persist. Conversely, a significant presence is not always enough if the center of their economic and family interests remains elsewhere.We review your actual mobility, year by year, and compare it to the rules of each relevant jurisdiction. We then build a sustainable organization, not a minimal presence calculated to the bare minimum.The figure of 183 days belongs to the laws of many host countries, not to French law, which does not use days but rather consider household, principal residence, activity, and economic interests ( BOFiP, Taxable Persons and Tax Domicile ). Furthermore, be aware that your French-source income will remain subject to a minimum tax rate of 20% up to €29,579 of net taxable income, and then 30% above that amount, unless you can demonstrate that the average tax rate on your worldwide income is lower ( French tax authorities ).
Maintaining clients in France does not preclude international relocation. This is actually the case for the majority of entrepreneurs and consultants we support.The central question concerns the location from which the activity is actually carried out and directed, the structure used to invoice for services, and the concrete organization of the company.An entrepreneur or consultant can live and work from abroad while maintaining a French or European client base. The chosen organizational structure must remain consistent with the nature of the business, the contracts signed, the applicable tax laws, and the rules related to VAT or the existence of a branch office in another country.The situation changes when a significant portion of the activity continues to be carried out physically from France, when a team remains based there, or when operational resources are maintained there. A long-term assignment physically performed at a French client's site is not treated the same as a service delivered remotely from your new residence.We therefore examine the location of your customers, but above all that of your actual work, your management, your teams and your means of operation before structuring your new organization.In our work, this issue is resolved through methodology rather than rigid rules: where are you physically located when you deliver the service, and with what resources? Therefore, we reconstruct your actual schedule, the location of your work tools and any teams you may have, before even discussing billing.The applicable legal framework is set out in Article 155 A of the French General Tax Code, the scope of which was broadened in 2024 to include rights related to image, name, and voice ( BOFiP, Article 155 A of the French General Tax Code ). Maintaining a French clientele is common and perfectly acceptable; what is not acceptable is invoicing from abroad for work performed in France.
Setting up a company in a foreign jurisdiction remains legally possible in many situations. This does not mean that the company will benefit from the tax treatment associated with its country of incorporation.When the manager continues to live and work from France, the actual location of the management and activity of the company is carefully examined: location of decisions, location of contracts, location of human and material resources, address from which customers are solicited and served.A foreign structure should never be used as a front for operations organized from another country. This type of arrangement usually falls apart at the first audit and costs more than it generates, not to mention the banking consequences when the institution discovers that the operational reality does not match the presented documentation.This is precisely why we always address personal residence, company structure, and actual business activity together. If you wish to remain a French resident, the project is built on this foundation, and certain options are eliminated. If you are planning a genuine change of residence, the organization is structured around this new reality, and the whole process becomes coherent.The answer depends primarily on what this company will do. A foreign entity that conducts genuine business, with resources and teams on the ground, doesn't pose a problem in principle: thousands of French companies have subsidiaries abroad. A structure intended to hold cash or a portfolio while you remain in France falls under a different category, and French law provides two mechanisms to address this: one targeting ownership by an individual of 10% or more of the rights ( BOFiP, Article 123 bis of the French General Tax Code ), and the other targeting ownership by a French company ( BOFiP, Article 209 B of the French General Tax Code ). Therefore, we are starting with your business plan, not the choice of country.
The first question is whether a new company is truly necessary, and in which jurisdiction. The choice depends on your residence, your business activity, the location of your clients and partners, your cash flow, your banking needs, and your operational structure. The same business activity may fall under different jurisdictions depending on whether your clients are European, American, or Asian.Once the structure is finalized, we coordinate the local professionals who handle the formalities: company formation, drafting of documentation, obtaining business licenses when required by the jurisdiction, registration, domiciliation, accounting organization and procedures specific to the country.Opening a business bank account is part of the process and often determines the timeline, as institutions apply their own deadlines and document requirements.If you already own one or more companies, we examine which ones to keep, which ones to reorganize, and whether a new entity is truly justified. These decisions are considered together, not separately.We maintain overall coordination to ensure that the company created integrates properly with your residence, your actual business, your banking organization, and your other international interests.
Not necessarily. The answer depends on your business, the role of the company, its clients, its employees, its assets, and your future organization.Maintaining a French company remains perfectly logical in a number of cases: activity actually carried out in France, existing team, real estate assets held, current contracts, or investments to be retained. In other situations, its role must evolve, its activity must be reduced, or an international structure must take over.The question becomes crucial when the manager leaves France while continuing to run a French company, or when part of the business remains in France. The company's effective management location then becomes a factor in the analysis, just like your personal residence.The consequences of a closure, sale or restructuring are examined before any decision is made, including the treatment of accumulated reserves, unrealized capital gains and current commitments.We examine the role of your existing companies in your future structure and coordinate discussions with your tax, legal, and accounting advisors. A smooth transition is better than a rushed closure.A technical point determines the answer in most cases: a French company remains French, but a company whose strategic decisions continue to be made from France after you relocate abroad may be considered to have its effective management headquarters there, and taxed accordingly. The reverse is true for a foreign entity managed from France, which also falls under the scope of anti-abuse provisions ( BOFiP, Article 209 B of the French General Tax Code ). Therefore, it is not the place of registration that decides, but the place where the decisions are actually made.
INVESTISSEMENT ET FINANCEMENT
Investing Internationally and Financing Your Projects
Changing your tax residence does not require you to sell your French real estate. You can keep a residence, a rental investment, or several properties after moving abroad, and many of our clients do.This preservation is nevertheless part of the overall project analysis. The permanent availability of a property, its actual use throughout the year, the income it generates, and the weight of your French real estate assets all produce tax and estate planning consequences that must be anticipated. A property permanently available to you is not treated the same as one fully rented out year-round.The analysis also considers the taxation of rental income, the reporting obligations applicable to non-residents, the handling of a future sale, and inheritance rules. The ownership structure is also important: direct ownership, a real estate investment company (SCI), or a family holding structure do not produce the same effects once your residence is transferred.The real question, therefore, is not whether you can keep an asset, but how it fits into your new international strategy. We map these assets and bring in the right professionals to address their situation both before and after your departure.Here are some key figures that often significantly alter projections. French rental income remains taxable in France, with social security contributions at an overall rate of 17.2%, reduced to 7.5% for individuals affiliated with a social security system in a European Economic Area country or Switzerland ( French tax authorities ). The wealth tax on real estate continues to apply to net French real estate assets exceeding €1,300,000 ( French tax authorities ). A subsequent sale is subject to a 19% levy, plus social security contributions ( French tax authorities ).
In many cases, yes. Moving abroad does not require closing all your accounts. Some banks retain their clients who have become non-residents without difficulty, while others apply specific procedures, modify fees, or limit access to certain savings and credit products.The relevant institutions must be informed of your new situation in a timely manner. An outdated address creates difficulties that often arise at the worst possible time, during an important transaction.Maintaining a French bank account remains useful for managing recurring direct debits, real estate, investments, outstanding loans, or ongoing expenses in France. At the same time, opening accounts in your new country becomes necessary for your daily life and professional activities.We therefore review your banking architecture as a whole: existing accounts, accounts to be opened, currencies used, incoming and outgoing international flows, professional needs and wealth management needs.For substantial assets, the considerations include international banks and private banking institutions, particularly when your assets are spread across multiple jurisdictions or when a significant transaction is being planned.One point deserves to be added, as it encompasses the majority of tax adjustments we see: as long as you remain a French tax resident, each account opened abroad must be declared with your income tax return ( BOFiP, Declaration of Accounts Held Outside France ). Failure to do so is penalized by a fine of €1,500 per account per year, increased to €10,000 when the country in question has not concluded an administrative assistance agreement with France, with an 80% surcharge on the additional amounts and a statute of limitations extended to ten years ( BOFiP, Penalties for Filing Failures ).
INVESTISSEMENT ET FINANCEMENT
Investing Internationally and Financing Your Projects
Bank architecture is an integral part of the support process and is often the most delicate stage of a project.We analyze your profile, the nature of your business, your cash flow, the source of your income, and your needs in the new jurisdiction. We then prepare your application and direct it to the institutions that best match your profile: personal account, business account, or private banking relationship.The quality of the submitted application makes all the difference between a smooth opening and a rejection. Banks apply their own procedures for knowing your customer, analyzing your business activity, and verifying the origin of your funds. An incomplete application, a poorly explained business activity, or an inconsistency between the presented structure and the actual operational reality is enough to block the process, sometimes permanently with the institution in question.We therefore organize the information and documents to present a clear, well-documented file that aligns with the rest of your project. The deadlines, however, are set by the bank, and the project schedule is built accordingly.The final decision rests solely with the bank, in accordance with its internal procedures and regulatory obligations. Our role is to maximize the chances of the application being accepted on the first attempt.
When your assets, investments and needs justify it, private banking comes into play within the scope of support.A private banking relationship goes far beyond the traditional bank account: financial management, asset allocation, investments, financing, Lombard loans, international solutions, wealth planning and support in several jurisdictions simultaneously.Access requirements vary considerably from one institution to another: entry thresholds, client criteria, accepted geographic areas, nationalities, and requirements regarding the origin of funds and documentation. A Swiss, Luxembourgish, Monegasque, Emirati, or Singaporean institution does not apply the same criteria or thresholds. Therefore, we analyze your profile before identifying the truly relevant contacts, rather than sending out numerous indiscriminate approaches.Relocation is a good time to review the entire banking organization, especially when your accounts are spread across several institutions, a business sale is being prepared, a major investment is being considered, or a wealth restructuring is underway.The goal is not to multiply accounts, but to build a financial architecture consistent with your new residence, your business and your assets.
Lombard financing is a solution secured against financial assets you already own. When the bank accepts the assets offered as collateral, it provides a line of credit that allows you to obtain liquidity without selling all or part of your portfolio.This solution finances real estate investments, cash flow needs, asset acquisitions, contributions to a transaction, or wealth reorganization. It is intended for individuals with sufficiently substantial financial assets comprised of assets that meet the bank's criteria.The level of financing granted depends on the nature of the assets given as collateral, their liquidity, their volatility and the internal rules of the institution: a bond portfolio and an equity portfolio do not provide access to the same ratio.Lombard lending involves real risks that must be understood before committing, including margin calls in the event of a significant decline in the value of the pledged assets, which may force you to sell at the worst possible time.We organize the study with the relevant institutions when it fits into your asset management organization, and we leave it aside when it does not.
INVESTISSEMENT ET FINANCEMENT
Investing Internationally and Financing Your Projects
Yes, and the family dimension plays a central role in the majority of cases we handle. It often determines the chosen destination more than taxation, including among the entrepreneurs, executives, and investors who make up our main clientele.Relocation isn't solely about the company when a spouse and children are involved. The destination must be compatible with the desired lifestyle, available schooling and its cost, housing, safety, healthcare, international mobility, and everyone's individual needs. A family with children in secondary school doesn't have the same flexibility as a couple without children.The situation of the spouse is also taken into account, particularly when they retain a professional activity, income or interests in another country, or when their right to work depends on the residence regime obtained.When all family members do not move at the same time, the actual location of the home becomes a determining factor that must be dealt with precisely.We therefore integrate these elements from the discovery phase, so that the chosen organization actually works over the long term.
This configuration deserves rigorous analysis and is one of the most frequently underestimated points.When you transfer your residence abroad while your spouse or children continue to live mainly in France, family organization becomes fully involved in the study of tax residence and in the assessment of the reality of the change of life.The presence of part of the family in the country of origin does not make relocation impossible, but it is examined with all the other characteristics of the case: available housing, professional activity, income, assets, frequency and duration of returns, actual household organization and distribution of current expenses.Couples working in different countries, families temporarily separated for professional reasons, and children pursuing their studies in France require an individualized approach. The marital property regime and the location of jointly owned assets are also taken into account.We address these elements from the beginning of the project and involve appropriate tax or legal advice, in order to avoid creating an administrative situation that does not correspond to personal and family reality.This situation calls for particular vigilance, for two specific reasons. First, the family home takes precedence over all other criteria: a spouse and children remaining in the French family home maintain your tax residence in France, regardless of the time you spend abroad ( BOFiP, Taxable Persons and Tax Residence ). Second, inheritance: French inheritance tax applies to the entire worldwide estate when the heir has been domiciled in France for at least six of the ten years preceding the transfer ( BOFiP, Territoriality of Inheritance Tax ).
INVESTISSEMENT ET FINANCEMENT
Investing Internationally and Financing Your Projects
Your assets do not disappear, but their treatment changes. Real estate, shares in companies, financial portfolios, life insurance, capitalization contracts, cash, digital assets and international investments are subject to different rules depending on your new residence and their location.Creating a comprehensive map of assets before departure is an essential step: it reveals which assets require a decision and which can remain as they are.Some decisions must be made before changing residence, others only after settling in, and the order in which they are made has very different effects. Chronology becomes crucial when a sale, transfer, donation, or asset reorganization is planned in the following months.International tax treaties and the rules specific to each jurisdiction are also taken into account in the analysis, particularly in matters of inheritance, where the applicable rules may differ significantly from those of the country of origin.A well-prepared relocation preserves the coherence of both the assets and the business. This is why the asset dimension is included in the initial analysis and not in a second phase.Three investment vehicles require explicit action. Equity savings plans are no longer closed solely upon a change of residence, except in the case of a move to a non-cooperative state or territory ( French tax authorities , decree of April 15, 2026 ). French life insurance policies retain their current regime: upon death, after a deduction of €152,500 per beneficiary, the tax rate is 20% up to €700,000 and then 31.25% above that amount ( Article 990 I of the French General Tax Code ). Finally, dividends from a French company paid to a non-resident are subject to a 12.8% withholding tax for individuals ( BOFiP, withholding tax on distributed income ).
Planning ahead is essential. The French Exit Tax applies to certain taxpayers holding shares or securities that meet the conditions set out in the regulations at the time of transferring their tax residence outside of France.Its application depends on the taxpayer, the composition and value of their movable assets, the chosen destination, and any operations planned after departure. The system includes deferral mechanisms, the conditions of which vary depending, in particular, on whether the host country is located within the European Union, which directly influences the choice of destination for certain profiles.The question becomes central when a manager or entrepreneur is considering a sale of a company in the short or medium term: the timing of the change of residence and that of the sale are then studied jointly, and the gap between the two can substantially alter the result.Waiting until the final stage of relocation to address this issue is a costly and sometimes irreversible mistake.This is one of the first points we identify, and competent tax professionals intervene before any action is taken.The thresholds are precise. The scheme is triggered when you hold securities representing at least €800,000 or 50% of a company's profits, after having been a French tax resident for six of the ten years preceding your departure ( Article 167 bis of the French General Tax Code ). Deferral of payment is automatic for taxes within the European Union and for countries with which France has mutual assistance agreements, and requires guarantees for other countries. The tax is waived after two years, extended to five years when the value of the securities exceeds €2,570,000 ( French tax authorities ).
A planned sale is indicated from the first exchange. A sale generates tax and estate planning consequences, the treatment of which depends on your residence at the time of the transaction, the nature and duration of your holdings, the structure used, and the jurisdictions involved.Timing is everything. A change of residence decided a few weeks before a sale should never be considered solely from a tax perspective: the reality of the move, the applicable rules at the time of departure, international agreements, and the ability to demonstrate a genuine change in lifestyle all come into play. A poorly timed transaction can cost more than it brings in, and the buyer may even demand guarantees about the seller's financial situation.When a sale is on the horizon in the medium term, we also prepare the asset and banking organization that will follow the transaction: receipt of funds, custodian institution, allocation, reinvestment, possible structuring of holding company and preparation of the transfer.Specialists in taxation, law, wealth management, private banking and investment intervene before, during and after the operation, in the order that the case requires.A technical point often dictates the timing. Capital gains realized by a non-resident are generally exempt from French tax, except when the seller, alone or with their family group, held more than 25% of the company's profit rights at any time during the five preceding years: in this case, a withholding tax applies ( Article 244 bis B of the French General Tax Code ). This rule is combined with the exit tax relief period ( French tax authorities ), and the optimal date for a sale depends on how these factors interact.
Not necessarily. The creation or maintenance of a holding company must be based on a sound economic, legal, or asset-related rationale. Changing residence does not in itself justify setting up an additional structure, and a holding company created without a solid reason quickly becomes a burden rather than a tool.A holding company is justified in certain specific situations: holding several shares, organizing a group, preparing investments, family transfer, managing dividend payments, separating business assets from personal assets, or preparing for a sale.Its location must remain consistent with the shareholder's residence, the place of effective management, the companies held, and the applicable tax treaties between the relevant jurisdictions. A holding company registered in a country where no real decisions are made presents exactly the same difficulties as an operating company in the same situation.Creating multiple entities without justification complicates the organization, increases administrative and accounting costs, increases reporting obligations, and creates new banking problems.We therefore start from the desired objective. When the holding company presents a real interest, its role, its jurisdiction and its articulation with the rest of the project are determined with the competent professionals.
Digital assets become fully included in the analysis as soon as they represent a significant part of your wealth, income, or business activity.Their treatment varies considerably depending on the jurisdiction and the nature of the transactions carried out: long-term investment, regular trading, professional remuneration, entrepreneurial activity, mining, staking, holding through a company, or more complex operations. The same position can fall under very different regimes from one country to another, and some jurisdictions offer a much clearer framework than others.The timing of the transfer in relation to the date of the change of residence is a determining factor that must be addressed beforehand.Banks also pay particular attention to the origin of funds when assets have been built up wholly or partly using digital assets. Accurate and continuous documentation of transactions, platforms used, and flows then becomes essential when opening an account or making a significant investment.These elements are included in the mapping of your assets, and professionals who understand the tax, legal and banking issues of digital assets in the chosen jurisdiction are mobilized as soon as the case warrants it.Two rules apply, and the second is most often ignored. Capital gains from the occasional sale of digital assets by a resident are taxed at a flat rate of 30% ( BOFiP, sale of digital assets ). Crucially, digital asset accounts opened, held, or closed with institutions established abroad must be declared ( Article 1649 bis C of the French General Tax Code ), under penalty of a fine of €750 per account, increased to €1,500 when the value of the accounts exceeds €50,000 at any time during the year ( BOFiP, penalties for failure to declare ).
The treatment depends on the nature of the investments, their country of ownership, your new tax residence, and the institutions where the assets are held.Shares, bonds, funds, structured products, savings plans, life insurance and capitalization contracts are subject to different rules after a change of residence, and some schemes lose their appeal or special status once you are no longer a resident.Your bank or financial intermediary also applies its own restrictions depending on your new country: some products cannot be distributed or stored in the same way in all jurisdictions, and some institutions simply refuse to serve customers residing in certain countries.The financial architecture must therefore be reviewed before departure. Simply changing your address once installed can sometimes lead to the blocking or forced liquidation of positions.For substantial assets, this consideration often leads to establishing an international private banking relationship or allocating assets across multiple jurisdictions. The analysis is conducted with the necessary professionals to ensure your investments remain compatible with your new circumstances.
Yes, when real estate is part of your overall strategy or relocation. We assist with everything from finding a home for your personal residence to studying investment opportunities in your new jurisdiction or another country.An international property purchase involves much more than just the price of the property. The method of ownership (direct or through a structure), local or international financing, taxation applicable to rental income, acquisition costs and related expenses, recurring charges, property rules applicable to foreigners, resale and transfer are all factors to consider.The consequences in your country of residence matter as much as local rules.In some destinations, real estate investment also plays a role in the conditions of access to residence schemes, according to the regulations in force at the time of the project, which may modify the schedule or the amount to be committed.The necessary local professionals are mobilized, and the investment is systematically placed within the overall framework of the case, so that a real estate decision taken in isolation does not contradict the tax, banking or wealth management strategy built elsewhere.
INVESTISSEMENT ET FINANCEMENT
Investing Internationally and Financing Your Projects
A tax residency certificate is a document issued by the administration of a country attesting that an individual or company is considered a tax resident of that jurisdiction for a given period.It is required in several situations: application of an international tax treaty, reduction or elimination of withholding tax, justification of your situation to a foreign administration, a bank, a financial institution, a broker or a business partner.The requirements for obtaining a residence permit vary considerably from country to country. Possession of a visa or residence permit is not sufficient to guarantee automatic issuance: conditions regarding actual presence, accommodation, employment, or filing of a declaration may apply depending on the jurisdiction, and some administrations require a minimum period of residence before issuing the certificate. Furthermore, the certificate must be renewed periodically.We address this issue when it is relevant to your case and we conduct the necessary steps with local professionals.This document is a useful and sometimes indispensable part of your overall organization, but it does not constitute sufficient evidence on its own in all international situations.Its actual significance depends on one prerequisite: the existence or absence of a tax treaty between France and your country of residence ( list of tax treaties concluded by France ). With a treaty, the certificate serves to determine whether or not there is a tax treaty and to obtain the applicable treaty rates. Without a treaty, it is only valid as one piece of evidence among others and does not trigger any mechanism for eliminating double taxation. This is a fundamental difference, and it influences the choice of tax destination as much as the local tax rate.
It is possible, provided that this mobility is rigorously regulated. Many entrepreneurs, managers, and investors divide their time between several jurisdictions for professional, family, or personal reasons.This mobility does not preclude establishing a primary tax residence, but it does make the analysis more demanding and requires disciplined tracking. The number of days spent in each country must be precisely documented, as must the location of the primary residence, family, professional activity, and main economic interests.Some people hold multiple residence permits or permanent residences, which multiplies the points of analysis. When several jurisdictions can simultaneously consider you a resident, local rules and the tie-breaker criteria provided by tax treaties are examined together: permanent home, center of vital interests, habitual residence, and nationality.We start with your actual mobility, as it is and not as it should be, and we build a plan that fits your real lifestyle. A destination requiring significant presence isn't suitable for someone who travels half the year.
In many situations, yes. An international entrepreneur or investor may hold multiple residence permits in different jurisdictions for professional, family, or financial reasons, and this configuration is common among highly mobile individuals.The right to reside in a country is, however, systematically distinct from tax residency. Holding multiple visas or residence permits does not make you a tax resident of all those countries, nor does it exempt you from any obligations in the country where you are actually a resident.This organization therefore requires careful planning, especially when you divide your time between several jurisdictions. The role of each residence must be clearly defined: country of primary residence, secondary destination, regional professional base, family residence, or international mobility solution. Furthermore, some permits impose minimum attendance requirements under penalty of invalidation, which must be adhered to.We integrate this dimension into the overall analysis and we study the jurisdictions that could complement your main organization.For certain wealth profiles, geographical diversification is an objective in its own right, the relevance of which depends on your nationality, your mobility and your assets.
Yes, when this type of program truly matches your objectives.Some jurisdictions grant residency rights in exchange for investments that meet specific conditions: real estate acquisition, bank deposit, subscription to a fund, business creation, or contribution to a public fund. A few countries also offer citizenship-by-investment programs.The rules, eligible investments, amounts, deadlines, attendance requirements, and control procedures vary considerably from one jurisdiction to another and change regularly, sometimes with very short notice. Several European programs have been modified or discontinued in recent years.Choosing a program based solely on a commercial promise or an announced deadline regularly leads to disappointments, especially when the resulting title does not produce the expected tax effects.We begin by determining what you are truly looking for: international mobility, a second home, geographic diversification, family relocation, access to a specific jurisdiction, or a wealth management project. Specialist professionals in the relevant destination then assess your eligibility and manage the process, with the program remaining integrated into your overall strategy.
INVESTISSEMENT ET FINANCEMENT
Investing Internationally and Financing Your Projects
The most common approach is to create a company or obtain a visa before studying the overall organization of the project, which then forces costly decisions to be undone or corrected.The second is to believe that a minimum number of days spent abroad puts an end to any tax residency issues in the country of origin: the location of the family, the accommodation, the activity, the effective management of companies and economic interests weighs just as much, sometimes more.The third involves neglecting assets held in the country of origin, whether real estate, shares, companies, accounts or investments, and discovering their consequences after departure.The fourth concerns chronology: a sale, a major distribution or a restructuring of assets should never be considered independently of the timing of the change of residence.The fifth is to underestimate the banking dimension, which blocks a considerable number of otherwise well-constructed projects.A solid relocation is based on the coherence between your personal situation, your actual business activity and your new international organization, not on the accumulation of structures.Three errors recur with quantifiable consequences. Believing that a days counter is sufficient, whereas the household takes precedence ( BOFiP, taxable persons and tax domicile ).Failing to declare a foreign account opens a ten-year statute of limitations and an 80% penalty ( BOFiP, penalties for reporting errors ). Selling too soon after leaving France, before the expiration of the two- or five-year exit tax relief period ( French tax authorities ). A fourth point, conversely, deserves mention: many are unaware that the differential tax on high incomes, which guarantees a minimum tax rate of 20% on reference income exceeding €250,000, does not apply to taxpayers domiciled outside France ( BOFiP, differential tax on high incomes ).
International relocation does not necessarily mean severing all economic or financial ties with your country of origin. You can retain real estate, financial investments, company shares, and certain bank accounts after you leave.The question is about how these assets will be treated once your residence is transferred, not about the possibility of keeping them.The income they generate may remain taxable in France depending on its nature and the applicable tax treaty, or may be subject to specific rules that differ from those you were familiar with as a resident. Holding these assets is also assessed in light of your new jurisdiction, which may apply its own rules to foreign-sourced income.The volume and nature of the assets retained also factor into the overall assessment of your situation, particularly when they are accompanied by available housing or residual activity.Many of our clients maintain a significant portion of their assets in France while gradually developing an international organization. These assets are mapped during the initial analysis and handled with the appropriate professionals.
Relocation involves several professions: tax specialists, lawyers, accountants, immigration specialists, banking professionals, local agents, consultants and wealth management experts.We rely on a carefully selected network in each destination we cover and activate the expertise best suited to your case. The selection depends on the country, the nature of the project, the level of assets involved, and the complexity of the issues encountered. A case involving a sale and asset structuring requires different professionals than a simple relocation.We then maintain control over the whole process, which is the essential difference with a solitary approach: professionals never work on isolated subjects without visibility on the overall strategy, and their recommendations are compared with each other before being presented to you.You do not seek out each specialist in turn, you do not explain your situation five times, and you do not arbitrate alone between contradictory opinions.When you already have your lawyer, accountant or wealth management advisor, we integrate them into the discussions in order to preserve the continuity of your existing organization.
Confidentiality is a fundamental element of our support and a condition of the relationship.The information provided in the questionnaire, during discussions, and during the analysis of your case is used exclusively to understand your situation and to organize your support. It includes sensitive data such as income, assets, companies owned, bank accounts, planned sales, family organization, investments, and sometimes elements of your private life.Access to this information remains limited to those whose involvement is necessary for the study or implementation of the case. When a specialist intervenes on a particular issue, only the information relevant to that specific task is provided to them, within an appropriate framework, and not your entire case file.We centralize exchanges precisely to avoid unnecessary circulation of data between several stakeholders who do not all need to know everything.This requirement for discretion reflects the firm's positioning. The international projects of executives, entrepreneurs, and wealthy families are based on a relationship of trust and strict control of the information exchanged.
There is no single price, because there is no standard case file.A sole proprietor organizing their residence, company, and bank accounts in a single jurisdiction does not have the same needs as an executive with multiple companies, international assets, investments spread across several countries, and a sale in preparation.The cost depends on the chosen destination, the necessary procedures, the number of jurisdictions involved, the complexity of the case, and the specialized professionals required. Some destinations also impose official fees, licenses, or filings, the amount of which is set locally and is independent of our involvement.We begin by understanding your situation and defining the exact scope of the project. A proposal is then sent to you before any work begins, outlining the project, its content, and its cost.This method avoids selling a standard package containing services unnecessary for your case, and conversely avoids underestimating the needs of a complex project.You know what you're getting into before you commit to anything.
Tell us about your project. The "Assess your situation" questionnaire gathers essential information in fifteen questions: current tax residence, professional activity, companies owned, income structure, assets, family situation, mobility, destinations possibly considered and objectives pursued.They allow us to prepare for the first exchange and to immediately identify the topics that deserve special attention, even before we speak to each other.You don't need to have chosen your destination, developed a strategy, or consulted a professional beforehand. That's precisely the role of this first phase.We then analyze the relevant destinations in light of your profile, we identify the necessary expertise and we define the scope of support tailored to your project.If your project is already underway, if a company has been created or if steps have been taken, we review what has been done, we check the consistency of everything and we determine the next steps.The initial exchange takes place in a strictly confidential setting and does not commit you to anything.
International Real Estate:
income-producing properties, properties with high appreciation potential, off-plan purchases before the property is listed on the market
Joint investments, within a private and structured framework, alongside other qualified investors
Access to private banking and its dedicated investment products
Lombard Loan: Finance Your Projects Without Selling Your Assets
INTERNATIONAL WEALTH PLANNING
Start a Company Abroad and Manage Your Assets
It usually all starts with setting up your company abroad. Whether in Dubai or elsewhere, this is often the cornerstone of the plan: it paves the way for a residency visa, a bank account in the UAE, and the holding of your assets. The principle is the same in each of our destinations, with the specific local characteristics of each jurisdiction. From there, we work with our partners to design the most appropriate structure for holding, growing, and protecting your assets, in line with your new country of tax residence and your long-term goals.
In practice, this can take several forms.
Setting up your company in Dubai or at one of our other destinations
Setting up holding companies and trusts: structures that hold your assets on your behalf, to better organize and protect them and prepare for their transfer
Opening your business and personal bank accounts abroad
Obtaining Your Tax Residency Certificate: The Official Document That Confirms Your New Country of Taxation
Coordination with your attorneys and accountants, both in France and abroad
Residence visas and investor visas,
in Dubai and our other destinations,
for you and your family
Second Citizenship Through Investment: Obtain a Second Passport to Travel and Do BusinessWithout the Limitations of Your Own
International Insurance Solutions:
Health, Life, and Property Insurance
Planning for the Future:
Start preparing today for what you will leave to your loved ones
INTERNATIONAL MOBILITY AND PROTECTION
Residence Visas, Second Citizenship, and Asset Protection
Your move abroad should make your life easier, not more complicated. We align your residency, citizenship options, and asset protection with your interests, ensuring a cohesive plan across countries—for you and your family.
Once your account is set up, your assets should be working for you. Through specialized local partners—in Dubai as well as in our other destinations—we provide you with access to carefully selected investment opportunities, presented in a strictly private setting, and to financing solutions designed for international clients.
Depending on the size of your assets, this access may include private banking: an exclusive banking service with a dedicated advisor and solutions not available at a traditional bank.
Among these solutions, one is particularly worth noting: the Lombard loan. The principle is simple. You hold financial assets—such as stocks, shares in your own company, or cryptocurrencies. Rather than selling them to finance a project, you pledge them as collateral with the bank. The bank then lends you a portion of their value. You retain your assets and obtain the liquidity you need to move forward with a real estate project in Dubai or elsewhere.
The most common approach is to create a company or obtain a visa before studying the overall organization of the project, which then forces costly decisions to be undone or corrected.The second is to believe that a minimum number of days spent abroad puts an end to any tax residency issues in the country of origin: the location of the family, the accommodation, the activity, the effective management of companies and economic interests weighs just as much, sometimes more.The third involves neglecting assets held in the country of origin, whether real estate, shares, companies, accounts or investments, and discovering their consequences after departure.The fourth concerns chronology: a sale, a major distribution or a restructuring of assets should never be considered independently of the timing of the change of residence.The fifth is to underestimate the banking dimension, which blocks a considerable number of otherwise well-constructed projects.A solid relocation is based on the coherence between your personal situation, your actual business activity and your new international organization, not on the accumulation of structures.Three errors recur with quantifiable consequences. Believing that a days counter is sufficient, whereas the household takes precedence ( BOFiP, taxable persons and tax domicile ).Failing to declare a foreign account opens a ten-year statute of limitations and an 80% penalty ( BOFiP, penalties for reporting errors ). Selling too soon after leaving France, before the expiration of the two- or five-year exit tax relief period ( French tax authorities ). A fourth point, conversely, deserves mention: many are unaware that the differential tax on high incomes, which guarantees a minimum tax rate of 20% on reference income exceeding €250,000, does not apply to taxpayers domiciled outside France ( BOFiP, differential tax on high incomes ).
International relocation does not necessarily mean severing all economic or financial ties with your country of origin. You can retain real estate, financial investments, company shares, and certain bank accounts after you leave.The question is about how these assets will be treated once your residence is transferred, not about the possibility of keeping them.The income they generate may remain taxable in France depending on its nature and the applicable tax treaty, or may be subject to specific rules that differ from those you were familiar with as a resident. Holding these assets is also assessed in light of your new jurisdiction, which may apply its own rules to foreign-sourced income.The volume and nature of the assets retained also factor into the overall assessment of your situation, particularly when they are accompanied by available housing or residual activity.Many of our clients maintain a significant portion of their assets in France while gradually developing an international organization. These assets are mapped during the initial analysis and handled with the appropriate professionals.
Relocation involves several professions: tax specialists, lawyers, accountants, immigration specialists, banking professionals, local agents, consultants and wealth management experts.We rely on a carefully selected network in each destination we cover and activate the expertise best suited to your case. The selection depends on the country, the nature of the project, the level of assets involved, and the complexity of the issues encountered. A case involving a sale and asset structuring requires different professionals than a simple relocation.We then maintain control over the whole process, which is the essential difference with a solitary approach: professionals never work on isolated subjects without visibility on the overall strategy, and their recommendations are compared with each other before being presented to you.You do not seek out each specialist in turn, you do not explain your situation five times, and you do not arbitrate alone between contradictory opinions.When you already have your lawyer, accountant or wealth management advisor, we integrate them into the discussions in order to preserve the continuity of your existing organization.
Confidentiality is a fundamental element of our support and a condition of the relationship.The information provided in the questionnaire, during discussions, and during the analysis of your case is used exclusively to understand your situation and to organize your support. It includes sensitive data such as income, assets, companies owned, bank accounts, planned sales, family organization, investments, and sometimes elements of your private life.Access to this information remains limited to those whose involvement is necessary for the study or implementation of the case. When a specialist intervenes on a particular issue, only the information relevant to that specific task is provided to them, within an appropriate framework, and not your entire case file.We centralize exchanges precisely to avoid unnecessary circulation of data between several stakeholders who do not all need to know everything.This requirement for discretion reflects the firm's positioning. The international projects of executives, entrepreneurs, and wealthy families are based on a relationship of trust and strict control of the information exchanged.
There is no single price, because there is no standard case file.A sole proprietor organizing their residence, company, and bank accounts in a single jurisdiction does not have the same needs as an executive with multiple companies, international assets, investments spread across several countries, and a sale in preparation.The cost depends on the chosen destination, the necessary procedures, the number of jurisdictions involved, the complexity of the case, and the specialized professionals required. Some destinations also impose official fees, licenses, or filings, the amount of which is set locally and is independent of our involvement.We begin by understanding your situation and defining the exact scope of the project. A proposal is then sent to you before any work begins, outlining the project, its content, and its cost.This method avoids selling a standard package containing services unnecessary for your case, and conversely avoids underestimating the needs of a complex project.You know what you're getting into before you commit to anything.
Tell us about your project. The "Assess your situation" questionnaire gathers essential information in fifteen questions: current tax residence, professional activity, companies owned, income structure, assets, family situation, mobility, destinations possibly considered and objectives pursued.They allow us to prepare for the first exchange and to immediately identify the topics that deserve special attention, even before we speak to each other.You don't need to have chosen your destination, developed a strategy, or consulted a professional beforehand. That's precisely the role of this first phase.We then analyze the relevant destinations in light of your profile, we identify the necessary expertise and we define the scope of support tailored to your project.If your project is already underway, if a company has been created or if steps have been taken, we review what has been done, we check the consistency of everything and we determine the next steps.The initial exchange takes place in a strictly confidential setting and does not commit you to anything.
A tax residency certificate is a document issued by the administration of a country attesting that an individual or company is considered a tax resident of that jurisdiction for a given period.It is required in several situations: application of an international tax treaty, reduction or elimination of withholding tax, justification of your situation to a foreign administration, a bank, a financial institution, a broker or a business partner.The requirements for obtaining a residence permit vary considerably from country to country. Possession of a visa or residence permit is not sufficient to guarantee automatic issuance: conditions regarding actual presence, accommodation, employment, or filing of a declaration may apply depending on the jurisdiction, and some administrations require a minimum period of residence before issuing the certificate. Furthermore, the certificate must be renewed periodically.We address this issue when it is relevant to your case and we conduct the necessary steps with local professionals.This document is a useful and sometimes indispensable part of your overall organization, but it does not constitute sufficient evidence on its own in all international situations.Its actual significance depends on one prerequisite: the existence or absence of a tax treaty between France and your country of residence ( list of tax treaties concluded by France ). With a treaty, the certificate serves to determine whether or not there is a tax treaty and to obtain the applicable treaty rates. Without a treaty, it is only valid as one piece of evidence among others and does not trigger any mechanism for eliminating double taxation. This is a fundamental difference, and it influences the choice of tax destination as much as the local tax rate.
It is possible, provided that this mobility is rigorously regulated. Many entrepreneurs, managers, and investors divide their time between several jurisdictions for professional, family, or personal reasons.This mobility does not preclude establishing a primary tax residence, but it does make the analysis more demanding and requires disciplined tracking. The number of days spent in each country must be precisely documented, as must the location of the primary residence, family, professional activity, and main economic interests.Some people hold multiple residence permits or permanent residences, which multiplies the points of analysis. When several jurisdictions can simultaneously consider you a resident, local rules and the tie-breaker criteria provided by tax treaties are examined together: permanent home, center of vital interests, habitual residence, and nationality.We start with your actual mobility, as it is and not as it should be, and we build a plan that fits your real lifestyle. A destination requiring significant presence isn't suitable for someone who travels half the year.
In many situations, yes. An international entrepreneur or investor may hold multiple residence permits in different jurisdictions for professional, family, or financial reasons, and this configuration is common among highly mobile individuals.The right to reside in a country is, however, systematically distinct from tax residency. Holding multiple visas or residence permits does not make you a tax resident of all those countries, nor does it exempt you from any obligations in the country where you are actually a resident.This organization therefore requires careful planning, especially when you divide your time between several jurisdictions. The role of each residence must be clearly defined: country of primary residence, secondary destination, regional professional base, family residence, or international mobility solution. Furthermore, some permits impose minimum attendance requirements under penalty of invalidation, which must be adhered to.We integrate this dimension into the overall analysis and we study the jurisdictions that could complement your main organization.For certain wealth profiles, geographical diversification is an objective in its own right, the relevance of which depends on your nationality, your mobility and your assets.
Yes, when this type of program truly matches your objectives.Some jurisdictions grant residency rights in exchange for investments that meet specific conditions: real estate acquisition, bank deposit, subscription to a fund, business creation, or contribution to a public fund. A few countries also offer citizenship-by-investment programs.The rules, eligible investments, amounts, deadlines, attendance requirements, and control procedures vary considerably from one jurisdiction to another and change regularly, sometimes with very short notice. Several European programs have been modified or discontinued in recent years.Choosing a program based solely on a commercial promise or an announced deadline regularly leads to disappointments, especially when the resulting title does not produce the expected tax effects.We begin by determining what you are truly looking for: international mobility, a second home, geographic diversification, family relocation, access to a specific jurisdiction, or a wealth management project. Specialist professionals in the relevant destination then assess your eligibility and manage the process, with the program remaining integrated into your overall strategy.
Your assets do not disappear, but their treatment changes. Real estate, shares in companies, financial portfolios, life insurance, capitalization contracts, cash, digital assets and international investments are subject to different rules depending on your new residence and their location.Creating a comprehensive map of assets before departure is an essential step: it reveals which assets require a decision and which can remain as they are.Some decisions must be made before changing residence, others only after settling in, and the order in which they are made has very different effects. Chronology becomes crucial when a sale, transfer, donation, or asset reorganization is planned in the following months.International tax treaties and the rules specific to each jurisdiction are also taken into account in the analysis, particularly in matters of inheritance, where the applicable rules may differ significantly from those of the country of origin.A well-prepared relocation preserves the coherence of both the assets and the business. This is why the asset dimension is included in the initial analysis and not in a second phase.Three investment vehicles require explicit action. Equity savings plans are no longer closed solely upon a change of residence, except in the case of a move to a non-cooperative state or territory ( French tax authorities , decree of April 15, 2026 ). French life insurance policies retain their current regime: upon death, after a deduction of €152,500 per beneficiary, the tax rate is 20% up to €700,000 and then 31.25% above that amount ( Article 990 I of the French General Tax Code ). Finally, dividends from a French company paid to a non-resident are subject to a 12.8% withholding tax for individuals ( BOFiP, withholding tax on distributed income ).
Planning ahead is essential. The French Exit Tax applies to certain taxpayers holding shares or securities that meet the conditions set out in the regulations at the time of transferring their tax residence outside of France.Its application depends on the taxpayer, the composition and value of their movable assets, the chosen destination, and any operations planned after departure. The system includes deferral mechanisms, the conditions of which vary depending, in particular, on whether the host country is located within the European Union, which directly influences the choice of destination for certain profiles.The question becomes central when a manager or entrepreneur is considering a sale of a company in the short or medium term: the timing of the change of residence and that of the sale are then studied jointly, and the gap between the two can substantially alter the result.Waiting until the final stage of relocation to address this issue is a costly and sometimes irreversible mistake.This is one of the first points we identify, and competent tax professionals intervene before any action is taken.The thresholds are precise. The scheme is triggered when you hold securities representing at least €800,000 or 50% of a company's profits, after having been a French tax resident for six of the ten years preceding your departure ( Article 167 bis of the French General Tax Code ). Deferral of payment is automatic for taxes within the European Union and for countries with which France has mutual assistance agreements, and requires guarantees for other countries. The tax is waived after two years, extended to five years when the value of the securities exceeds €2,570,000 ( French tax authorities ).
A planned sale is indicated from the first exchange. A sale generates tax and estate planning consequences, the treatment of which depends on your residence at the time of the transaction, the nature and duration of your holdings, the structure used, and the jurisdictions involved.Timing is everything. A change of residence decided a few weeks before a sale should never be considered solely from a tax perspective: the reality of the move, the applicable rules at the time of departure, international agreements, and the ability to demonstrate a genuine change in lifestyle all come into play. A poorly timed transaction can cost more than it brings in, and the buyer may even demand guarantees about the seller's financial situation.When a sale is on the horizon in the medium term, we also prepare the asset and banking organization that will follow the transaction: receipt of funds, custodian institution, allocation, reinvestment, possible structuring of holding company and preparation of the transfer.Specialists in taxation, law, wealth management, private banking and investment intervene before, during and after the operation, in the order that the case requires.A technical point often dictates the timing. Capital gains realized by a non-resident are generally exempt from French tax, except when the seller, alone or with their family group, held more than 25% of the company's profit rights at any time during the five preceding years: in this case, a withholding tax applies ( Article 244 bis B of the French General Tax Code ). This rule is combined with the exit tax relief period ( French tax authorities ), and the optimal date for a sale depends on how these factors interact.
Not necessarily. The creation or maintenance of a holding company must be based on a sound economic, legal, or asset-related rationale. Changing residence does not in itself justify setting up an additional structure, and a holding company created without a solid reason quickly becomes a burden rather than a tool.A holding company is justified in certain specific situations: holding several shares, organizing a group, preparing investments, family transfer, managing dividend payments, separating business assets from personal assets, or preparing for a sale.Its location must remain consistent with the shareholder's residence, the place of effective management, the companies held, and the applicable tax treaties between the relevant jurisdictions. A holding company registered in a country where no real decisions are made presents exactly the same difficulties as an operating company in the same situation.Creating multiple entities without justification complicates the organization, increases administrative and accounting costs, increases reporting obligations, and creates new banking problems.We therefore start from the desired objective. When the holding company presents a real interest, its role, its jurisdiction and its articulation with the rest of the project are determined with the competent professionals.
Digital assets become fully included in the analysis as soon as they represent a significant part of your wealth, income, or business activity.Their treatment varies considerably depending on the jurisdiction and the nature of the transactions carried out: long-term investment, regular trading, professional remuneration, entrepreneurial activity, mining, staking, holding through a company, or more complex operations. The same position can fall under very different regimes from one country to another, and some jurisdictions offer a much clearer framework than others.The timing of the transfer in relation to the date of the change of residence is a determining factor that must be addressed beforehand.Banks also pay particular attention to the origin of funds when assets have been built up wholly or partly using digital assets. Accurate and continuous documentation of transactions, platforms used, and flows then becomes essential when opening an account or making a significant investment.These elements are included in the mapping of your assets, and professionals who understand the tax, legal and banking issues of digital assets in the chosen jurisdiction are mobilized as soon as the case warrants it.Two rules apply, and the second is most often ignored. Capital gains from the occasional sale of digital assets by a resident are taxed at a flat rate of 30% ( BOFiP, sale of digital assets ). Crucially, digital asset accounts opened, held, or closed with institutions established abroad must be declared ( Article 1649 bis C of the French General Tax Code ), under penalty of a fine of €750 per account, increased to €1,500 when the value of the accounts exceeds €50,000 at any time during the year ( BOFiP, penalties for failure to declare ).
The treatment depends on the nature of the investments, their country of ownership, your new tax residence, and the institutions where the assets are held.Shares, bonds, funds, structured products, savings plans, life insurance and capitalization contracts are subject to different rules after a change of residence, and some schemes lose their appeal or special status once you are no longer a resident.Your bank or financial intermediary also applies its own restrictions depending on your new country: some products cannot be distributed or stored in the same way in all jurisdictions, and some institutions simply refuse to serve customers residing in certain countries.The financial architecture must therefore be reviewed before departure. Simply changing your address once installed can sometimes lead to the blocking or forced liquidation of positions.For substantial assets, this consideration often leads to establishing an international private banking relationship or allocating assets across multiple jurisdictions. The analysis is conducted with the necessary professionals to ensure your investments remain compatible with your new circumstances.
Yes, when real estate is part of your overall strategy or relocation. We assist with everything from finding a home for your personal residence to studying investment opportunities in your new jurisdiction or another country.An international property purchase involves much more than just the price of the property. The method of ownership (direct or through a structure), local or international financing, taxation applicable to rental income, acquisition costs and related expenses, recurring charges, property rules applicable to foreigners, resale and transfer are all factors to consider.The consequences in your country of residence matter as much as local rules.In some destinations, real estate investment also plays a role in the conditions of access to residence schemes, according to the regulations in force at the time of the project, which may modify the schedule or the amount to be committed.The necessary local professionals are mobilized, and the investment is systematically placed within the overall framework of the case, so that a real estate decision taken in isolation does not contradict the tax, banking or wealth management strategy built elsewhere.
Yes, and the family dimension plays a central role in the majority of cases we handle. It often determines the chosen destination more than taxation, including among the entrepreneurs, executives, and investors who make up our main clientele.Relocation isn't solely about the company when a spouse and children are involved. The destination must be compatible with the desired lifestyle, available schooling and its cost, housing, safety, healthcare, international mobility, and everyone's individual needs. A family with children in secondary school doesn't have the same flexibility as a couple without children.The situation of the spouse is also taken into account, particularly when they retain a professional activity, income or interests in another country, or when their right to work depends on the residence regime obtained.When all family members do not move at the same time, the actual location of the home becomes a determining factor that must be dealt with precisely.We therefore integrate these elements from the discovery phase, so that the chosen organization actually works over the long term.
This configuration deserves rigorous analysis and is one of the most frequently underestimated points.When you transfer your residence abroad while your spouse or children continue to live mainly in France, family organization becomes fully involved in the study of tax residence and in the assessment of the reality of the change of life.The presence of part of the family in the country of origin does not make relocation impossible, but it is examined with all the other characteristics of the case: available housing, professional activity, income, assets, frequency and duration of returns, actual household organization and distribution of current expenses.Couples working in different countries, families temporarily separated for professional reasons, and children pursuing their studies in France require an individualized approach. The marital property regime and the location of jointly owned assets are also taken into account.We address these elements from the beginning of the project and involve appropriate tax or legal advice, in order to avoid creating an administrative situation that does not correspond to personal and family reality.This situation calls for particular vigilance, for two specific reasons. First, the family home takes precedence over all other criteria: a spouse and children remaining in the French family home maintain your tax residence in France, regardless of the time you spend abroad ( BOFiP, Taxable Persons and Tax Residence ). Second, inheritance: French inheritance tax applies to the entire worldwide estate when the heir has been domiciled in France for at least six of the ten years preceding the transfer ( BOFiP, Territoriality of Inheritance Tax ).
Bank architecture is an integral part of the support process and is often the most delicate stage of a project.We analyze your profile, the nature of your business, your cash flow, the source of your income, and your needs in the new jurisdiction. We then prepare your application and direct it to the institutions that best match your profile: personal account, business account, or private banking relationship.The quality of the submitted application makes all the difference between a smooth opening and a rejection. Banks apply their own procedures for knowing your customer, analyzing your business activity, and verifying the origin of your funds. An incomplete application, a poorly explained business activity, or an inconsistency between the presented structure and the actual operational reality is enough to block the process, sometimes permanently with the institution in question.We therefore organize the information and documents to present a clear, well-documented file that aligns with the rest of your project. The deadlines, however, are set by the bank, and the project schedule is built accordingly.The final decision rests solely with the bank, in accordance with its internal procedures and regulatory obligations. Our role is to maximize the chances of the application being accepted on the first attempt.
When your assets, investments and needs justify it, private banking comes into play within the scope of support.A private banking relationship goes far beyond the traditional bank account: financial management, asset allocation, investments, financing, Lombard loans, international solutions, wealth planning and support in several jurisdictions simultaneously.Access requirements vary considerably from one institution to another: entry thresholds, client criteria, accepted geographic areas, nationalities, and requirements regarding the origin of funds and documentation. A Swiss, Luxembourgish, Monegasque, Emirati, or Singaporean institution does not apply the same criteria or thresholds. Therefore, we analyze your profile before identifying the truly relevant contacts, rather than sending out numerous indiscriminate approaches.Relocation is a good time to review the entire banking organization, especially when your accounts are spread across several institutions, a business sale is being prepared, a major investment is being considered, or a wealth restructuring is underway.The goal is not to multiply accounts, but to build a financial architecture consistent with your new residence, your business and your assets.
Lombard financing is a solution secured against financial assets you already own. When the bank accepts the assets offered as collateral, it provides a line of credit that allows you to obtain liquidity without selling all or part of your portfolio.This solution finances real estate investments, cash flow needs, asset acquisitions, contributions to a transaction, or wealth reorganization. It is intended for individuals with sufficiently substantial financial assets comprised of assets that meet the bank's criteria.The level of financing granted depends on the nature of the assets given as collateral, their liquidity, their volatility and the internal rules of the institution: a bond portfolio and an equity portfolio do not provide access to the same ratio.Lombard lending involves real risks that must be understood before committing, including margin calls in the event of a significant decline in the value of the pledged assets, which may force you to sell at the worst possible time.We organize the study with the relevant institutions when it fits into your asset management organization, and we leave it aside when it does not.
Changing your tax residence does not require you to sell your French real estate. You can keep a residence, a rental investment, or several properties after moving abroad, and many of our clients do.This preservation is nevertheless part of the overall project analysis. The permanent availability of a property, its actual use throughout the year, the income it generates, and the weight of your French real estate assets all produce tax and estate planning consequences that must be anticipated. A property permanently available to you is not treated the same as one fully rented out year-round.The analysis also considers the taxation of rental income, the reporting obligations applicable to non-residents, the handling of a future sale, and inheritance rules. The ownership structure is also important: direct ownership, a real estate investment company (SCI), or a family holding structure do not produce the same effects once your residence is transferred.The real question, therefore, is not whether you can keep an asset, but how it fits into your new international strategy. We map these assets and bring in the right professionals to address their situation both before and after your departure.Here are some key figures that often significantly alter projections. French rental income remains taxable in France, with social security contributions at an overall rate of 17.2%, reduced to 7.5% for individuals affiliated with a social security system in a European Economic Area country or Switzerland ( French tax authorities ). The wealth tax on real estate continues to apply to net French real estate assets exceeding €1,300,000 ( French tax authorities ). A subsequent sale is subject to a 19% levy, plus social security contributions ( French tax authorities ).
In many cases, yes. Moving abroad does not require closing all your accounts. Some banks retain their clients who have become non-residents without difficulty, while others apply specific procedures, modify fees, or limit access to certain savings and credit products.The relevant institutions must be informed of your new situation in a timely manner. An outdated address creates difficulties that often arise at the worst possible time, during an important transaction.Maintaining a French bank account remains useful for managing recurring direct debits, real estate, investments, outstanding loans, or ongoing expenses in France. At the same time, opening accounts in your new country becomes necessary for your daily life and professional activities.We therefore review your banking architecture as a whole: existing accounts, accounts to be opened, currencies used, incoming and outgoing international flows, professional needs and wealth management needs.For substantial assets, the considerations include international banks and private banking institutions, particularly when your assets are spread across multiple jurisdictions or when a significant transaction is being planned.One point deserves to be added, as it encompasses the majority of tax adjustments we see: as long as you remain a French tax resident, each account opened abroad must be declared with your income tax return ( BOFiP, Declaration of Accounts Held Outside France ). Failure to do so is penalized by a fine of €1,500 per account per year, increased to €10,000 when the country in question has not concluded an administrative assistance agreement with France, with an 80% surcharge on the additional amounts and a statute of limitations extended to ten years ( BOFiP, Penalties for Filing Failures ).
These three concepts are commonly confused, although they follow different logics.A visa or residence permit authorizes you to stay in a jurisdiction under the conditions set by that jurisdiction. This document does not make you a tax resident of that jurisdiction, and many schemes are built on this confusion.Tax residency is governed by rules specific to each country and is also analyzed in light of your situation in other relevant countries. The number of days spent in a country is important, but the location of your permanent residence, the location of your family, your professional activity, your economic interests, and the actual organization of your life are just as important, sometimes even more so.A person can hold a right of residence in three countries without this determining their tax residence in any of them. Conversely, a person can be considered a tax resident of a country where they do not hold any specific residence permit.When two jurisdictions simultaneously consider you a resident, international tax treaties provide criteria for differentiation.We integrate these three levels into the analysis and we mobilize the competent professionals when the case requires it.In practical terms, French tax residency is based on four alternative criteria, only one of which is sufficient to maintain your tax liability in France: your home, or failing that, your principal residence; the exercise of a non-secondary professional activity; and the center of your economic interests ( BOFiP, Taxable Persons and Tax Domicile ). A visa does not fall under any of these four criteria. Therefore, a residence permit obtained abroad, regardless of its duration, is never sufficient to establish departure from France.
The 183-day threshold comes up in every conversation. It's not a universal rule and it doesn't determine your situation on its own. Some jurisdictions apply different, more or less strict, conditions, and your former country of residence examines its own criteria independently of what your new country stipulates.Your permanent residence, the location of your family, your professional activity, the place from which you actually run your business, your economic interests and the general organization of your life often weigh more than a count of days.Basing a relocation solely on the number of days spent in a country remains the most common and costly mistake. A person who spends less than six months in a country may retain sufficient ties there for the question of their residency to persist. Conversely, a significant presence is not always enough if the center of their economic and family interests remains elsewhere.We review your actual mobility, year by year, and compare it to the rules of each relevant jurisdiction. We then build a sustainable organization, not a minimal presence calculated to the bare minimum.The figure of 183 days belongs to the laws of many host countries, not to French law, which does not use days but rather consider household, principal residence, activity, and economic interests ( BOFiP, Taxable Persons and Tax Domicile ). Furthermore, be aware that your French-source income will remain subject to a minimum tax rate of 20% up to €29,579 of net taxable income, and then 30% above that amount, unless you can demonstrate that the average tax rate on your worldwide income is lower ( French tax authorities ).
Maintaining clients in France does not preclude international relocation. This is actually the case for the majority of entrepreneurs and consultants we support.The central question concerns the location from which the activity is actually carried out and directed, the structure used to invoice for services, and the concrete organization of the company.An entrepreneur or consultant can live and work from abroad while maintaining a French or European client base. The chosen organizational structure must remain consistent with the nature of the business, the contracts signed, the applicable tax laws, and the rules related to VAT or the existence of a branch office in another country.The situation changes when a significant portion of the activity continues to be carried out physically from France, when a team remains based there, or when operational resources are maintained there. A long-term assignment physically performed at a French client's site is not treated the same as a service delivered remotely from your new residence.We therefore examine the location of your customers, but above all that of your actual work, your management, your teams and your means of operation before structuring your new organization.In our work, this issue is resolved through methodology rather than rigid rules: where are you physically located when you deliver the service, and with what resources? Therefore, we reconstruct your actual schedule, the location of your work tools and any teams you may have, before even discussing billing.The applicable legal framework is set out in Article 155 A of the French General Tax Code, the scope of which was broadened in 2024 to include rights related to image, name, and voice ( BOFiP, Article 155 A of the French General Tax Code ). Maintaining a French clientele is common and perfectly acceptable; what is not acceptable is invoicing from abroad for work performed in France.
Setting up a company in a foreign jurisdiction remains legally possible in many situations. This does not mean that the company will benefit from the tax treatment associated with its country of incorporation.When the manager continues to live and work from France, the actual location of the management and activity of the company is carefully examined: location of decisions, location of contracts, location of human and material resources, address from which customers are solicited and served.A foreign structure should never be used as a front for operations organized from another country. This type of arrangement usually falls apart at the first audit and costs more than it generates, not to mention the banking consequences when the institution discovers that the operational reality does not match the presented documentation.This is precisely why we always address personal residence, company structure, and actual business activity together. If you wish to remain a French resident, the project is built on this foundation, and certain options are eliminated. If you are planning a genuine change of residence, the organization is structured around this new reality, and the whole process becomes coherent.The answer depends primarily on what this company will do. A foreign entity that conducts genuine business, with resources and teams on the ground, doesn't pose a problem in principle: thousands of French companies have subsidiaries abroad. A structure intended to hold cash or a portfolio while you remain in France falls under a different category, and French law provides two mechanisms to address this: one targeting ownership by an individual of 10% or more of the rights ( BOFiP, Article 123 bis of the French General Tax Code ), and the other targeting ownership by a French company ( BOFiP, Article 209 B of the French General Tax Code ). Therefore, we are starting with your business plan, not the choice of country.
The first question is whether a new company is truly necessary, and in which jurisdiction. The choice depends on your residence, your business activity, the location of your clients and partners, your cash flow, your banking needs, and your operational structure. The same business activity may fall under different jurisdictions depending on whether your clients are European, American, or Asian.Once the structure is finalized, we coordinate the local professionals who handle the formalities: company formation, drafting of documentation, obtaining business licenses when required by the jurisdiction, registration, domiciliation, accounting organization and procedures specific to the country.Opening a business bank account is part of the process and often determines the timeline, as institutions apply their own deadlines and document requirements.If you already own one or more companies, we examine which ones to keep, which ones to reorganize, and whether a new entity is truly justified. These decisions are considered together, not separately.We maintain overall coordination to ensure that the company created integrates properly with your residence, your actual business, your banking organization, and your other international interests.
Not necessarily. The answer depends on your business, the role of the company, its clients, its employees, its assets, and your future organization.Maintaining a French company remains perfectly logical in a number of cases: activity actually carried out in France, existing team, real estate assets held, current contracts, or investments to be retained. In other situations, its role must evolve, its activity must be reduced, or an international structure must take over.The question becomes crucial when the manager leaves France while continuing to run a French company, or when part of the business remains in France. The company's effective management location then becomes a factor in the analysis, just like your personal residence.The consequences of a closure, sale or restructuring are examined before any decision is made, including the treatment of accumulated reserves, unrealized capital gains and current commitments.We examine the role of your existing companies in your future structure and coordinate discussions with your tax, legal, and accounting advisors. A smooth transition is better than a rushed closure.A technical point determines the answer in most cases: a French company remains French, but a company whose strategic decisions continue to be made from France after you relocate abroad may be considered to have its effective management headquarters there, and taxed accordingly. The reverse is true for a foreign entity managed from France, which also falls under the scope of anti-abuse provisions ( BOFiP, Article 209 B of the French General Tax Code ). Therefore, it is not the place of registration that decides, but the place where the decisions are actually made.
The scope of the mission depends on your profile and the chosen destination. We coordinate the change of residence, visas and residence permits, the creation or reorganization of a company, the opening of personal and professional bank accounts, accounting organization, tax and legal issues, and the actual relocation to the new jurisdiction.For clients with significant wealth management profiles, our support includes wealth structuring, holding companies, private banking, international investments, financing, Lombard loans, real estate, and estate planning. We also coordinate, when necessary, communication with your existing advisors in France to ensure that your country of origin receives the same level of attention as your destination country.A consultant working remotely on their own doesn't require the same level of organization as a manager with multiple companies or a family whose assets are spread across several jurisdictions. Therefore, we define the scope of services truly needed for your case, select the appropriate professionals in each area, and maintain overall coordination until full implementation.You know at all times where each aspect of the project stands and who is involved in what.
The initial consultation is to understand your situation, not to present the advantages of a particular country. When you complete the preliminary questionnaire, we analyze your business, income, assets, current residence, family, mobility, and objectives.The interview then delves into what really matters: professional organization, existing companies and their role, location of clients, revenue structure, investments, assets you wish to retain, envisaged timeline and destinations you have already considered.We identify the true issues in your case and the points that require the intervention of a tax specialist, lawyer, accountant, bank, or local professional. Some cases reveal a crucial issue at this stage that the client had not anticipated: an upcoming sale, a shareholding subject to specific rules, or a family situation that complicates demonstrating a change of residence.We then determine the next steps, the scope of support corresponding to your project and the realistic timetable for its implementation.This exchange takes place in a strictly confidential setting and does not commit you to anything.
No complete administrative file is required for the initial exchange. However, a few elements make it significantly more useful.Your current country of tax residence, your professional activity, the companies you own and their country of registration, the main location of your clients and how you receive your income: salary, dividends, executive compensation, personal invoicing, property or financial income, capital gains, digital assets.An estimate of your business income level and net worth allows us to immediately identify the issues to be addressed and the level of expertise to be mobilized.The ties you intend to maintain in your current country also come into play: real estate, company, investments, spouse, children, or professional activity. These factors often carry more weight than the destination itself in the viability of the project.Your schedule and desired lifestyle complete the picture. A person wishing to live year-round in their new destination has a different profile than someone who splits their time between several countries.Our questionnaire gathers all of this information in a few minutes and prepares the analysis even before your first call.
The timeframe depends on the destination, the complexity of your situation, and the number of issues to coordinate. A case involving a single individual, a business that can be easily relocated, and few assets progresses quickly. A project involving multiple companies, significant assets, a family, and investments spread across several countries requires more time, primarily because decisions must be made in the correct order.Certain processes have their own pace, regardless of your schedule: obtaining a visa or residence permit, registering a company, obtaining a license, opening a bank account, producing legalized or apostilled documents. Bank processing times are often the most underestimated factor.The tax calendar is just as important. The effective date of departure, a business sale, the payment of dividends, or the reorganization of a structure can justify bringing forward or delaying certain steps by several months.We therefore build an overall project schedule from the initial analysis and we order the steps to avoid an interdependent step being started too early, which would then require undoing what has been done.A key calendar point, often crucial. The year of departure requires two tax returns: a standard return covering income received from January 1st to the departure date, and a supplementary return covering only French-source income taxable in France between departure and December 31st ( French tax authorities ). Your file is then automatically transferred to the non-resident tax office, without any further action required on your part ( French tax authorities ). This calendar dictates the departure date as much as the practical considerations.
Relocating is not simply a matter of choosing a country with attractive taxes. Tax residency, professional activity, company, bank accounts, assets, real estate, family, insurance, investments, and daily life organization form a complex system. Treated separately, these elements create an organization that looks appealing on paper but is indefensible in reality. A company established in a jurisdiction where its director doesn't actually conduct business. A new residence that triggers unexpected consequences for assets, companies, or income remaining in the country of origin. A bank account refused because the application doesn't tell a coherent story.Coreway Consulting maintains a comprehensive overview of the project, analyzes your situation, identifies relevant destinations, determines the issues to be addressed, and manages the professionals in each relevant jurisdiction. You have a central point of contact who oversees the entire project, ensures consistency across all decisions, and saves you from having to explain your situation to five different stakeholders.This coordination changes the nature of the project: instead of piling up independent services, you build an organization where each element has been validated in relation to the others. This is precisely what distinguishes a sustainable relocation from a fragile arrangement.
28 destinations spread across the Middle East, Europe, Asia, the Americas and the Caribbean, and the Indian Ocean. Dubai, Bahrain, Qatar, Switzerland, Monaco, Andorra, Portugal, Italy, Greece, Malta, Cyprus, Luxembourg, Jersey, Guernsey, Isle of Man, Gibraltar, Georgia, Singapore, Hong Kong, Bali, Panama, Bahamas, Cayman Islands, Uruguay, Costa Rica, Paraguay, Bermuda and Mauritius.This comprehensive approach allows us to avoid basing recommendations on predetermined destinations. Two entrepreneurs with comparable incomes often require entirely different solutions depending on their business, clients, family, assets, and the actual time they will spend in the country. A manager whose team remains in Europe has different constraints than a consultant working entirely remotely. An investor seeking a private banking environment will not consider the same jurisdictions as an entrepreneur looking for a startup ecosystem.We therefore compare several jurisdictions according to identical criteria: tax framework, residency requirements, banking environment, accessibility, stability, cost of living, education, and compatibility with your actual mobility. We then select the one that best fits your overall situation, not necessarily the one with the lowest rate.
The recommendation is based on your individual situation, never on a comparative table of tax rates. We examine your current tax residence, your professional activity, the location of your clients, your companies and their country of registration, how you receive your income, your assets, your investments, your family situation, your international mobility, and your plans for the next three to five years.Your personal priorities are just as important as the technical aspects. Some seek a vibrant entrepreneurial environment and global air connectivity. Others prioritize proximity to France, legal stability, access to private banking, administrative simplicity, the quality of international education, or the opportunity to travel extensively throughout the year.We compare several destinations against these criteria and eliminate those that seem attractive on paper but wouldn't work in your daily life. A jurisdiction requiring a significant physical presence isn't suitable for an executive who travels constantly. A distant destination isn't suitable for a family whose ties remain in Europe.Following this analysis, we confirm the destination you had identified, or we present you with a better one and explain why.
This is the most common starting point. Determining the appropriate country is the first part of the process, not a prerequisite. Many of our clients know they want to leave their current residence but don't know which jurisdiction will best meet their professional, tax, wealth management, and family objectives.We begin by understanding your project and priorities. Your actual mobility, your business, your assets, the location of your clients, your family, your banking needs, your budget, and your desired lifestyle gradually narrow down the scope. An entrepreneur whose clients are European and who wants to return home once a month will not consider the same jurisdictions as an investor with free rein. A family with school-aged children imposes constraints that taxation alone cannot resolve.We then compare the remaining scenarios on identical criteria and measure the consequences of each, including in the country you are leaving.We are not presenting you with a list of countries ranked by tax attractiveness. We are presenting you with a few options that deserve serious consideration, along with the advantages and disadvantages of each.
Yes. Many clients arrive with a destination already identified, often Dubai, Switzerland, Portugal, or Malta. Our first task is to verify that this choice makes sense in light of your entire situation: business, companies, assets, family, banking needs, mobility, and ties maintained in your country of origin.If you've made your choice, we'll organize and coordinate all the steps of your installation, without starting from scratch. If certain aspects weaken it, we'll present you with alternatives and compare them point by point.We don't question your decision on principle. We verify that it's based on a thorough examination and not on reputation or the testimony of an acquaintance whose situation has nothing to do with yours. A destination perfectly suited to a solo entrepreneur working remotely is rarely ideal for an executive whose teams, clients, and assets remain concentrated elsewhere.Similarly, a relevant tax jurisdiction can present banking, family, or practical difficulties that only become apparent during the execution phase. We identify these issues before any proceedings are initiated.
No. Dubai offers a dynamic economic environment, global air connectivity, world-class infrastructure and a tax framework that are ideally suited to many entrepreneurs, executives and investors.For other profiles, distance from Europe, family constraints, climate, desired lifestyle, business location, or certain estate planning issues make another jurisdiction significantly more relevant. An entrepreneur who wants to remain within two hours of France will consider Andorra, Switzerland, Portugal, or Malta. An entrepreneur focused on Asia will look at Singapore or Hong Kong. A family seeking a French-speaking environment and French schooling will consider Mauritius. A wealth manager preparing for inheritance will consider yet other criteria.We never assume that Dubai is the answer, even though we have a presence there. We study your situation and then determine whether Dubai is a suitable option or if another destination would better suit your business, assets, family, and lifestyle.A firm that always recommends the same destination is not doing analysis, it is selling a product.
Dubai is our core business: it is the most sought-after destination among French-speaking entrepreneurs, and the one where our network of partners is the most extensive. But Dubai isn’t the right fit for everyone. We also assist clients in relocating to Mauritius, Malta, Andorra, Cyprus, Georgia, Panama, Portugal, Singapore, and the Bahamas. Each of these jurisdictions offers a different set of advantages: taxation of passive income, proximity to France, European ties, lifestyle, or long-term wealth management strategies. We recommend a destination only after analyzing your situation—never before.
It all starts with the initial consultation: the structure of your income, the composition of your assets, your family situation, and your personal plans and constraints. An entrepreneur who bills internationally, a wealthy family living off passive income, and an executive preparing to sell his company all have different goals. We match your profile with tax systems, physical presence requirements, applicable tax treaties, and the reality of life in the destination country. The resulting recommendation is well-reasoned, quantified, and compared, so that your decision is based on a clear economic assessment, not on intuition.
The scope is defined by your specific case, never by a standard checklist. Depending on your situation, it may include setting up your company abroad, opening your business and personal bank accounts, obtaining your residence visa, settling in your new location, and securing your tax residency certificate. It may also extend to wealth structuring, holding companies, and trusts; access to investment opportunities through our partners; and financing solutions such as Lombard loans. Each project is tailored to your needs following the initial consultation, with a single point of contact throughout the process.
Forming a company is often the cornerstone of the project: it paves the way for obtaining a residence visa, opening a bank account, and holding your assets. In Dubai, the process is quick when the application is well prepared: choosing the jurisdiction and license suited to your business, incorporating the company, and then immediately proceeding with the visa and bank account. The process is similar in our other destinations, with the specific requirements of each jurisdiction. Coreway Consulting determines the structure best suited to your business and manages the entire process with its local partner, so you don’t have to coordinate a thing.
This is the most critical stage of the expatriation process, and the one where a poorly prepared application can be rejected. Banks everywhere enforce strict KYC standards: source of funds, consistency of business activities, and complete supporting documentation. An application prepared in advance and submitted to the right institution can drastically improve your interest rate and speed up the approval process. Coreway Consulting prepares your banking application, guides you toward banks that match your profile—both professional and personal—and monitors the process until your account is actually opened. Depending on your net worth, this may include access to private banking and its specialized services, which are not available at traditional banks.
This is the official document through which your new country certifies that you are a tax resident there. It plays a central role in the event of any inquiries from the French tax authorities: it is this document that triggers the tax treaty between the two countries and forms the basis for the allocation of tax liability. Without it, your situation rests on more tenuous factual grounds. Obtaining it requires meeting specific conditions—such as physical presence, housing, and actually living there—which vary by jurisdiction. Coreway Consulting includes this step in every advisory engagement, as it transforms your relocation into a documented and defensible tax position.
A Lombard loan is a form of financing secured by your financial assets. Rather than selling your stocks, shares in your own company, or cryptocurrencies to finance a project, you pledge them as collateral to a bank—usually a private bank. The bank then lends you a portion of their value, often between 50 and 70 percent, depending on the nature of the assets. You retain your holdings and their potential for appreciation, while freeing up the necessary cash—for a real estate project, for example. This is a little-known financial tool in France, though common in international wealth management, and is available through our banking partners.
Some countries grant citizenship—and thus a second passport—in exchange for a qualifying investment within their territory: real estate, an economic contribution, or the establishment of a business. The benefit is twofold. For holders of passports with limited travel rights, it provides an immediate gain in freedom of movement and access to visas. For high-net-worth individuals, it offers long-term diversification: residency and citizenship that are not dependent on a single country. The programs, investment amounts, and processing times vary significantly from one country to another. Coreway Consulting guides clients toward reputable programs through its specialized partners and coordinates the application process from start to finish.
Yes, and that’s the case for most of our clients. But every connection you maintain has specific consequences: rental income from French properties remains taxable in France, the IFI tax remains due on French net real estate assets exceeding 1.3 M€, and continuing to operate a business—if not properly structured—could jeopardize your departure itself. The challenge is not to cut all ties, but to properly coordinate what remains in France with your new residence. This coordination, carried out with your notary and your French advisors, is an integral part of the support provided by Coreway Consulting.
Yes, as long as you hold significant equity interests: more than €800,000 in value or more than 50% of a company’s voting rights. The Exit Tax applies to unrealized capital gains as of the date of departure, but leaving does not automatically mean you have to pay: a payment deferral applies in most cases, and the tax may be waived—that is, canceled—if you hold onto your securities for several years after your departure. The timeline for your move abroad and that of any potential sale must therefore be planned together in advance. This is one of the points systematically reviewed during the analysis of your case.
Administrative requirements vary widely: in some jurisdictions, a few days a year are sufficient, while in others, a substantial presence is expected. But the principle remains universal: a defensible tax residence requires an actual life there, not just a mailbox. What the French tax authorities examine first and foremost is overall consistency: housing, habits, family and economic ties, and the center of your interests. Simply checking off a certain number of days is not enough if the rest of your life contradicts your declared destination. This requirement for consistency underpins each of our recommendations, including your choice of destination.
Since every situation is unique, each proposal is tailored to your needs and provided as a quote following the initial consultation. Pricing is on a flat-rate basis: the amount is disclosed before any commitment is made and does not change during the assignment. To accurately assess the cost of an expatriation, you must compare it to the annual tax difference between your current situation and your future situation: income tax, social security contributions, taxation of dividends and capital gains, and the IFI (property wealth tax), if applicable. Coreway Consulting systematically presents this comprehensive financial analysis so that your decision is based on numbers, not on a promise.
The first meeting is a confidential, no-cost introductory consultation: we’ll discuss your tax, financial, and family situation, as well as your goals and constraints. This helps us determine whether we can assist you—and in what capacity. When warranted by your situation, this is supplemented by a financial review, conducted at no cost by a certified wealth management partner: a comprehensive assessment that serves as a baseline. You will then receive a detailed recommendation and a customized proposal. Each request is carefully reviewed before acceptance, as we intentionally limit the number of clients we work with.
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