Financial Advice
Financial Procedures
Our qualified financial advisors can give you a personal consultation and offer you tailored advice to suit your needs.
Peace of mind
We handle your entire application, from start to finish
Regular follow ups
We keep you up to date on the progress of your application
Avoid mistakes
We're always informed on the latest admin changes
Financial Services
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Income Tax
Most people pay less income tax or “impôts sur le revenu” in France than they would in the UK with correct financial planning.
Inheritance Tax
Inheritance tax in France covers taxation on death and much can be done to reduce this tax for the next generation.
Liquid Assets
Money kept in the bank is in general earning less than inflation so losing value over time. For many, these funds are in the wrong currency, taxable and do not help with inheritance planning. There may be better solutions.
Property Wealth Tax
‘ImpĂ´ts sur la fortune immobilière’ (IFI) relates to immovable property assests held anywhere in the world as a French resident.
Capital Gains Tax
Capital Gains Tax on the disposal of shares, second properties and most other investments are normally taxable in France.
Succession Law
Succession law can to some go against their personal wishes for what happens to their estate on death. There are often solutions available to help make your personal choices count.
Meet the Team

Teresa Watkins
Financial advisor (France-UK focus)
Since graduating from the University of Oxford in 1997, Teresa has worked in the financial services industry across Europe in London, Paris, Barcelona and Madrid. She began as a Junior Portfolio Manager on the Orbitex Asian fund, gaining the IMC and passing IIMR exams in 1998. She has worked within Donaldson, Lufkin and Jenrette and ABN Amro Equities’ departments on their highly ranked (Extel) European Utilities equity research teams.
Teresa then spent a decade in Paris, returning to the asset management industry with Comgest, as a European large/mid-cap analyst and portfolio manager. Teresa moved to Spain in 2013 to work for EDM Asset Management, co-managing their flagship European equity fund EDM Strategy. In 2020 Teresa became a fully qualified European IFA and takes great pride in providing high quality hands-on long-term advice on the most effective structures and investments that benefit individuals and their families.

Peter Smith
Financial advisor (Europe-US focus)
Peter completed his education and started his professional career in Southern England, studying engineering and analytics relating to business and marketing. After 10 years in the hospitality industry, including launching his own restaurant, Peter became an advisor in the drinks industry with a focus on trend forecasting and statistical analysis. After being snapped up by a global financial institution which took him to mainland Europe.
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Peter is now part of a leading team of specialist advisors within Private Client Consultancy (PCC Wealth) with a focus on helping and advising US clients both in Europe and the USA. Peter’s professional and knowledgeable demeanour inspires confidence that your financial planning is in the safest of hands.

Sylvain Daubert
Mortgage specialist
After his career as a civil engineer and living abroad, Sylvain discovered a huge lack in effective and quality customer service in the French financial market. This is why three years ago he took the leap to create MEAFINANCES. The main objective and foundation of MEAFINANCES is to help everyone obtain a financing solution for their project, whatever the project may be.

Julia Benner
Mortgage specialist
Julia has always dreamed about living in France! She came to France 2 years ago, endured every cultural and administrative difficulty and managed to successfully established herself in Bordeaux. She knows exactly what you could go through and will definitely be at your service to share her mortgage expertise and her experience.
Financial Consultation Packages
Overview Package
1-hour package to look at your overall situation from a financial perspective. This will be followed up with an email confirming the outcome
Detailed Package
4-hour package to look at your overall situation from a financial perspective. Subsequent support and research are included in the package and a report will be issued with conclusions
Tax Return Package
This package includes completing and lodging your tax return and applying for your tax number and relevant codes as required. We can also help with expert financial advice to minimise the amount of tax you pay.
If we subsequently arrange investments as this is an appropriate solution then our charges will be offset against any future payment received from financial institutions.
French Connections HCB is an appointed representative of Private Client Consultancy, a trading name of Efficient Frontiers SL, whose registered address is Calle Jardin Botanico, 23/24, La Cala de Mijas, Mijas Costa 29649, with CIF B42839589, authorised by the Direccion General de Seguros y Fondos de Pensiones No. J-3930, holding obligatory Professional Indemnity Insurance with AIG Europe for the regulated activity, and with sufficient financial capacity in accordance with the law, is directly authorised to operate in Spain. It is also licensed to operate in Austria | Belgium | Bulgaria | Croatia | Cyprus | Czech Rep | Denmark | Estonia | Finland | France | Germany | Greece |Ireland | Italy | Latvia | Lithuania | Luxembourg | Malta | Norway | Poland | Portugal | Romania | Slovakia | Slovenia | Sweden | and the Netherlands, under the freedom of services provision.
Private Client Consultancy (a trading name of Efficient Frontiers SL) acts as an Introducer to AQA Capital Ltd. Mr Andrew Oliver, who forms part of the PCC Group, acts as Investment Committee Member with AQA Capital. In his role as Investment Committee member with AQA Capital, Mr Oliver is involved in portfolio management function. AQA Capital is authorised and regulated by the Maltese Financial Services Authority (“MFSA”) with registration number C 70143. AQA is authorised as a UCITS and AIF management company and also provides additional services including discretionary portfolio management and investment advisory services (commonly referred to as “MIFID services”). AQA Capital is authorised to provide services across the EU countries via the EU passport, as well as to clients resident in other non-EU jurisdictions.Â