Cross-border wealth advisers in France

Valley International helps households organise wealth decisions involving France and another country. We review investments, retirement plans and family arrangements together, then set out the decisions and the questions requiring specialist advice. The scope of the work is agreed around your circumstances.

Valley International is published by Éthique et Patrimoine. We advise on financial assets, property, business interests and succession where France and another country are involved. A review starts with your circumstances and the relevant documents, then sets out the options and their consequences. Our regulatory status is explained in the legal notice.

What you can expect from a wealth review

A cross-border review should leave you with a clear understanding of the decisions ahead. We start from your documents and distinguish what the firm handles from the questions to coordinate with other professionals.

A defined scope: the assets, countries and decisions included in the engagement.
Written recommendations: the options considered, their implications and the points still to resolve.
Clear responsibilities: what you decide, what we handle and where specialist input is needed.
The remuneration and product costs to clarify when discussing the proposed work.

From the first call to written recommendations

A first call
Thirty minutes by video, with no obligation, at a time that suits your time zone. You tell us where you live, about your family and the decisions ahead, with their dates; we tell you what to deal with first and whether the firm can help.
The scope of the work
We tell you which documents to gather for your situation, for example statements for your investments, your policies and contracts, loan amortisation schedules, notarial deeds for your property and relevant tax documents. The quote follows a first review of your situation: it sets out what the work covers and what it costs, and nothing binds you until you accept it.
A review of your documents
We read these documents and the tax treaties that apply, following the reasoning shown in the diagram below; the investments are chosen last.
Written recommendations
The options and their implications, in writing; the decision remains yours, and the recommendations show what belongs with your notaire, a lawyer or an adviser in your other country.

No duration is promised: the order and the content depend on the agreed engagement.

How we work

We begin with your family, plans and the countries involved. We then review the relevant statements, contracts and tax treaties. Written recommendations explain the options considered and identify any questions still requiring verification. For information about joining the team, see Careers in cross-border wealth management in France and Asia.

How the advice is reasoned, from your family to your investments

We choose an investment only once we have established what it has to do, in this order.

1 · Family
Your civil situation
Matrimonial regime, children and heirs, where each lives, gifts already made: who the assets should go to, and under which law.
2 · Objectives
Time horizon, currency, liquidity, income or growth, risk
How long the money stays invested, the currency you will spend, what must stay available, and how large a fall you accept.
3 · Platforms
The policy, account or bank
French assurance-vie, Luxembourg policy, securities account: each gives access to certain investments depending on where you live and, for US persons, on nationality, with its own charges.
4 · Investments
The funds and securities themselves
Funds, shares, bonds or unlisted assets, chosen inside the platform retained, against the objectives.

At every step: French tax and the rules of the other countries involved

Your tax residence, the applicable treaty, French reporting obligations and the law of your other countries weigh on all four steps, not only on the last one, and keeping what you already hold, or changing nothing, remains an option at each of them.

An investment that performs well can still be the wrong one if the account holding it is not accepted where you live, or if its currency is not the one you spend; both questions are settled at steps 2 and 3, before the investment is chosen.

Your contacts at the firm

Véronique Yang — wealth planning
Véronique Yang is a private wealth manager based in Paris. She follows foreign nationals settling in France and coordinates the French wealth questions with the other advisers involved in the file.
Anne Privat — English-language enquiries
Anne Privat receives English-language enquiries and directs them to the appropriate adviser. You can describe your situation through the contact page or arrange a first conversation.

Our French-language team page introduces the other members of the firm.

Where we are

The firm has a presence in Paris, Montpellier, London, Singapore, Hong Kong, Bangkok, Shanghai and Dubai. Video meetings are arranged at an agreed time that takes your time zone into account. In-person meetings may also be arranged during the firm’s visits.

Regulatory status

Entity: ÉTHIQUE ET PATRIMOINE, a French simplified joint-stock company (SAS), registered office at 41 rue Saint-Ferdinand, 75017 Paris, France, Paris Trade Register no. 803 414 796, VAT no. FR 40 803 414 796 (with share capital of €62,500) — ORIAS registration: no. 24001817 (www.orias.fr) — Financial investment adviser (CIF) no. 18002418 — professional association: ANACOFI-CIF, a professional association approved by the Autorité des marchés financiers, and Anacofi-Courtage for its brokerage activity. Investment advice is a regulated activity in France: the firm operates under the status, registrations and supervision set out above, described in full in the legal notice.

A thirty-minute first call, to see whether the firm can help

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