Independent Financial Advice from Graham Keysell

  • Taxation
  • Pensions
  • Mortgages
  • Trusts & Life Insurance (assurance vie)
  • Inheritance
  • Savings and Investments
  • PEPs & ISAs
  • Endowment Policies & Offshore Investments

We all need sound financial advice at various points in our lives and this is especially true when we move to another country or when changes in legislation impact on our finances. In the last 18 months alone, these type of changes have affected taxation on pensions, trusts and life insurance (assurance vie) policies. In addition, in January 2016, Europe wide reporting on bank accounts and investments came into force and there are heavy penalties for non-compliance.

Even those of us who speak fairly fluent French and have a good grasp of the French tax system are likely to benefit from professional advice and assistance when it comes to investments, life insurance, inheritance and pensions.

Graham Keysell is a founder member of the Spectrum IFA Group and one of the three directors of Spectrum’s French company. Spectrum’s aim is to assist you in making informed financial decisions and delivering sound, impartial advice to help ensure the financial well-being of you and your family.

Graham has been living in France for over 20 years and has an extensive background in finance, has passed the Chartered Institute of Insurers Financial Planning Certificate, and is one of only a handful of British IFAs to be officially recognised as a ‘Conseiller en Investissements Financiers’.
Spectrum makes no charge for a consultation and a financial report.

So what can Graham help you with? For starters, investments; it is vitally important to seek sound advice regarding savings and investments. There are crucial differences between the French and UK financial environments. You may already have a financial advisor in the UK and he might be keen to keep you as a client, but does he know how PEPs and ISAs are treated by the French tax authorities? Does he know about taxation of the proceeds of endowment policies or offshore investments? Should you continue to have tax deducted at source on your UK bank or building society interest?

It makes sense to take advice from someone who is licensed to practice in France. That way you can be confident that your investment portfolio is structured in the best way to suit your tax residency. It’s also worth bearing in mind that if you are planning to move to France, there can be considerable financial advantages in arranging your affairs before you leave the UK.

Then there’s life insurance. A subject that nobody really wants to think about but one that we all need to address. Do you know if your partner’s pension will be enough to support you or vice versa? Do they even have a pension? Have you provided for your dependents? Spectrum can help you answer these questions and find a solution.

When it comes to inheritance it’s absolutely vital that you understand French inheritance law and its associated tax structure. Your savings and property may not automatically pass to your spouse and this comes as a nasty shock for many people. In the UK we take it for granted that we can stipulate who receives what on our death. This is now possible in France, but you need to make an appropriate will. This is an issue that probably causes more difficulties in France than virtually any other and it is therefore vitally important that you take professional advice.

Spectrum also have a specialist mortgage department so whether you need to raise finance to purchase your main residence, buy a second home, or pay for renovation work or an extension, it is definitely worth having a chat.

And last but very much not least, there’s pensions. Recent changes in UK and French laws have both opened up opportunities and restricted certain rights where pensions are concerned. Is it worth continuing to make Voluntary Contributions to safeguard your full UK state pension? Can you continue contributing to your UK personal pension and would it be sensible? Is there a French equivalent to a personal pension and are contributions tax deductible? Should I leave my preserved UK pensions in their current form or take control of them myself? Again, Spectrum can help you answer all of these questions and find the best solution for your personal circumstances.

I certainly couldn’t answer these questions but I know a man who can! I also know excellent, professional service when I see it so I highly recommend you get in touch with Graham today.


Graham is one of the three directors of TSG Insurance Services SARL, (The Spectrum IFA Group).

He is registered and licensed with the ‘Organisme pour le register des intermediaries en assurance’ (ORIAS - no 07 032 493)’ and an accredited ‘Conseiller en Investissements Financiers’ (rĂ©fĂ©rencĂ© par ANACOFI-CIF no EOO2440).

TSG Insurance Services SARL SiĂšge Social : 34 Bd des Italiens, 75009 Paris SociĂ©tĂ© de Courtages d’assurances. R.C.S. Paris B447 609 108 (2003B04384) NumĂ©ro d’immatriculation 07 025 332 – www.orias.fr
Conseiller en investissement financiers référencé no E002440 par ANACOFI-CIF

I downloaded the Overseas Account Declaration Guide, written by Graham Keysell, which was offered on the forum a short time ago. (This is about declaring the existence of all bank accounts of any type held outside France, even if they are virtually dormant or generate no interest or gains). I have to say it is well worth reading.

Not only does he know his subject, but he can explain things in a way which is clearly written and easy to follow, both in the Guide and in subsequent personal advice sent to me by e-mail.

His range of knowledge on all other matters financial is extensive - an expert to recommend!

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