Discover Ibanista, your trusted partner for currency exchange. 

The team is built from 15 years of experience, working within legacy foreign exchange brokerages, who have helped thousands of individuals and business transfer their money abroad.

We have taken the best of what Fintech has to offer to allow expats around the world to live life to the fullest and businesses to thrive on an international scale. By collaborating with reputable UK-based and France-based Fintech firms, duly regulated by HMRC and FCA, we have the capability to offer advantageous wholesale currency exchange rates to both individuals and businesses.

Our bespoke solutions are designed to protect our clients from currency fluctuations, ensuring their plans remain on track. Discover how our partnership-driven approach and specialised currency protection solutions can benefit your financial needs today.

Ibanista

Are you planning to buy a property in France but unsure about the process? Join us for an enlightening webinar that uncovers the hidden aspects of property purchasing in France—topics not always explained by your notaire. This session is perfect for expats navigating the French property market and looking for expert advice to avoid pitfalls and ensure a smooth investment.

## **What to Expect from the Webinar**

Gain practical insights into the legal and cultural nuances of buying property in France, with expert advice on managing risks and understanding key documents. Here’s what the webinar will cover:

**Part 1: Diagnostics vs. Surveys – The Cultural Misconception**

*   Explore the difference between diagnostics and surveys in France.
*   Understand why this misconception exists and its impact on buyers.
*   Learn what to realistically expect from a notaire in these situations.

**Part 2: Decoding the Compromis de Vente (CDV) and Managing Risks**

*   Understand terms like *vice caché* and *garantie décennale*, and their implications.
*   Discover what a thorough property survey entails and why it’s essential.

**Part 3: Real-Life Client Scenarios**

*   Examine how French courts interpret responsibility in property disputes.
*   Learn from real-life examples to better prepare for your purchase.

**Q\&A Session: Get Expert Advice**

Have specific questions about buying property in France? This is your chance to ask our panel of experts anything, from notarial responsibilities to managing risks and more.

**Don’t Miss Out!**

Whether you’re a first-time buyer or looking to expand your property portfolio in France, this webinar will equip you with the knowledge and tools needed to make informed decisions. Register now to secure your spot!


Buying in France: Insights beyond the notaire’s scope

Are you planning to move to France and secure a mortgage, but feeling overwhelmed by the financial and legal aspects? Join us for an exclusive webinar, *Getting a Mortgage in France and Other Financial Considerations*, where our panel of experts will break down everything you need to know. Hosted by Ben Small, Founder of Ibanista, this insightful session will guide you through essential steps to smooth your relocation and financial planning in France.

You’ll hear from industry leaders, Fabien Pelissier, Julien Darras, and Thomas Nivert, as they share their expertise on visas, healthcare, tax considerations, and the current property market.

Whether you’re considering buying your dream home in France or simply want to be financially prepared for the move, this webinar will provide you with invaluable insights.

**What to Expect**:

**Part 1: The Essentials – What You Need to Know to Start Your Move**

We kick off with the foundational knowledge that every expat needs before making the move to France.

*   **Fabien** (Visas & Healthcare):
*   Top 3 things you need to know to secure a long-stay visa in France, including visa types, financial proof, and timelines.
*   Quick insights on navigating the French healthcare system, including the PUMA tax and how it ties into residency (with additional legal context from Julien).
*   **Julien** (Legal & Tax Considerations):
*   A simplified breakdown of taxes in France—covering property, income, and estate taxes. Whether you’re buying a home or planning your estate, knowing these basics is crucial for future financial stability.

**Part 2: Be Prepared – Financial and Legal Steps for a Smooth Transition**

Now that you know the basics, we’ll dive into the financial and legal actions you need to take to ensure a seamless transition to life in France.

*   **Thomas** (Financial Readiness):
*   How much money do you really need to move to France? Budgeting tips, including property down payments and what the current market conditions allow.
*   A quick guide on how to secure property financing, with a focus on today’s low-interest rates in Europe.
*   Leveraging those low-interest rates to get the best deal when buying a property in France.
*   **Julien** (Tax & Legal Planning):
*   Smart legal planning for the future—ways to structure your property ownership to minimize tax burdens and protect your estate.
*   Tips for managing French taxes as an expat, staying ahead of the filing season, and handling cross-border tax considerations.

**Part 3: The 2025 Outlook – What Might Change and How to Prepare for the Future**

As we look beyond 2024, this section will cover anticipated shifts in regulations, visa processes, and the financial market, helping you stay ahead of upcoming changes.

*   **Fabien** (Visa & Residency Evolution):
*   How the visa process may evolve in the coming years, especially post-election. Learn about potential changes that could affect new residents and long-stay visa applicants.
*   **Thomas** (Financial Market Shifts):
*   What can we expect from the financial markets in 2025? Key insights into how potential market changes may impact property buyers and investors in France.
*   **Julien** (Tax Law Changes & Estate Planning):
*   Possible shifts in French tax laws and estate planning rules in 2025. Learn what these changes could mean for property owners and how to prepare.

Moving to France is a life-changing decision that involves significant financial, legal, and logistical considerations. This webinar offers you a complete guide to tackling these challenges with confidence. By attending, you’ll get expert advice on mortgages, visas, taxes, and future trends—all key factors in making your move to France as smooth and successful as possible.

Don’t miss this opportunity to learn from our expert speakers, including Fabien, Julien, and Thomas, who will provide actionable tips and up-to-date information that will help you make informed decisions for your future in France. We look forward to seeing you there!


Getting a mortgage in France and other financial considerations

**Are you dreaming of moving to France but unsure where to start?** Join us for a comprehensive webinar designed to help Americans navigate the journey of relocating to France. Whether you're looking for a better lifestyle, lower cost of living, or an exciting new adventure, this webinar will provide the insights and tools you need to make it happen. Hosted by two experts in the expat world—Tommy Sikes from Traveltirement and Patricia Brooks from The Courage Catalyst—this session is packed with valuable information and actionable advice to help you confidently plan your move.

## **What to Expect from the Webinar**

We’ll start with a quick dive into the key motivators and challenges people face when deciding to move to France. Tommy and Patricia will introduce themselves and set the stage for a deep exploration of the factors that influence your decision to relocate, from lifestyle aspirations to financial considerations.

**Part 1: Why Move to France?**

In this section, we’ll explore why so many Americans are drawn to life in France. Tommy and Patricia will share their personal experiences, as well as insights from working with clients who have made the move. We’ll discuss:

*   Lifestyle improvements, including work-life balance and healthcare.
*   The lower cost of living compared to many American cities.
*   The cultural and social benefits of living in France.

By the end of this segment, you’ll understand the powerful pull of life in France and the benefits that await.

**Part 2: The Real Challenges of Moving**

Next, we’ll tackle the reality of moving to France—the hurdles that can make this dream feel out of reach. Tommy will address the practical challenges, such as finances, visas, taxes, and finding a property in France. Patricia will focus on the emotional aspects, including fear of the unknown and decision paralysis, which often hold people back. They’ll provide advice on overcoming these barriers and moving forward with confidence.

**Part 3: Top Tips for Making the Move Happen**

Ready to take action? In this section, Tommy and Patricia will provide their top tips for turning your dream into a reality. They’ll cover:

*   How to structure your property search, understanding regional differences in France.
*   Building a plan to manage paperwork, finances, and the emotional transition.
*   Staying motivated and confident as you work through the steps to relocate.

This segment will offer practical, step-by-step advice that will empower you to make the move to France with ease.

**Q\&A Session: Get Personalized Advice**

Have specific questions? This is your opportunity to ask Tommy and Patricia anything about moving to France. Whether it’s about taxes, cultural adaptation, or finding the right region, they’ll offer personalized advice based on their extensive experience helping Americans relocate.

**Don’t miss this opportunity to get expert advice on moving to France!** Whether you're just dreaming of a new life in France or already planning your move, this webinar will provide the knowledge and support you need to make it happen.


Moving to France: Break through the barriers and make it happen

Join us for an insightful webinar on planning your move to France, especially with the US elections around the corner. Our panel of experts will guide you through the crucial steps and considerations for a smooth transition. Daniel Tostado, a French immigration lawyer, will provide detailed insights on making your move sustainable, Alex Ingrim, President of Chase Buchanan USA, and Jonathan Hadida, Partner at Hadida Tax Advisors, will discuss what information to disregard once you move, explain the US-France tax treaty, and why it's essential to break up with your US accountant and Alex Gains, Partner at Prestant Realty, will give an overview of the French real estate market, covering both rental and purchase opportunities, and share top tips along with his personal experiences.

## **Webinar Agenda**

***30 minutes: Planning Your Move to France***

*   **Alex Gains**: An overview of the French real estate market, including rental and purchase opportunities. Learn top tips and hear about his personal experiences. Discover attractive regions beyond Paris and Nice.
*   **Jonathan Hadida & Alex Ingrim**: Understand what information to disregard once you move. Learn about the US-France tax treaty and why it's essential to break up with your US accountant.
*   **Daniel Tostado**: Get detailed insights on making your move sustainable. Understand the necessary prep work, application processes, and timelines. Gain perspective on long-term planning, focusing on the first year and beyond, including potential changes in French government policies post-elections.

***30 minutes: Q\&A Session***\*\*

Engage directly with our experts and get your questions answered in real-time.

Prepare yourself for an informed and well-planned relocation to France. Don’t miss this opportunity to learn from professionals who can help make your move as smooth as possible.


Expert Tips for Moving to France from the US

🌟 Join us for an exclusive weekend edition webinar on Saturday, the 25th of May, at 1pm EDT / 10am PTZ, designed specifically for American retirees dreaming of a European lifestyle.

In this enlightening one-hour session, we'll delve into the essential elements of making your retirement dreams in Europe a reality, covering visa, property, and healthcare essentials.

Our esteemed guests, Fabien from Fab Expat services and Tommy from Traveltirement.com, bring a wealth of expertise and insider knowledge to guide you through every step of your journey.

Here's a sneak peek at what you can expect:

I/ France vs Italy: Explore the allure of these two captivating European destinations with insightful cost-of-living comparisons, invaluable tips for deciding where to live, and expert advice on finding exceptional value in the property market of France and Italy.

II/ Planning to retire in France: Demystify the process with a deep dive into healthcare cost-of-living comparisons, dispelling common misconceptions about language tests, citizenship requirements, and state-to-state differences.

III/ Visa and Healthcare: Unlock the key pillars of obtaining a visa, including crucial details on private expat insurance for long-term stays, enrolling in the French national healthcare system, understanding associated costs, and navigating the cultural nuances between the French and Anglo-American healthcare systems.

Don't miss this exclusive opportunity to gain the insights you need to embark on your European retirement adventure with confidence. Reserve your spot now and take the first step towards making your dreams a reality!


Visa, Property, and Healthcare Essentials for American Retirees in Europe

🌐 Beyond Borders - Preparing for Life's Later Chapters in France 🌐

Our panel of experts from Taka Conseil, Buckles Law, and Chase Buchanan delve into the essential aspects of securing your retirement in the charming landscapes of France.

💭 Part 1: "Why Thinking About Death is Important for Expats"

Join Chase Buchanan as we navigate the crucial mindset necessary for planning your later years in France. Uncover the significance of considering your residence status post-spouse passing, with a spotlight on the advantageous assurances vies tailored for our British retirees.

💡 Part 2: "What Exactly is There to Think About?"

Embark on an enlightening discussion with Taka Conseil as we navigate the post-death milestones in France, unraveling the domino effect of crucial decisions.

Buckles Law sheds light on the practical administrative steps and necessary documentation for a seamless transition into your later years in the French countryside.

🚀 Part 3: How to Make the Biggest Difference and Save Time, Energy, and Stress

Taka Conseil shares experiences of aiding families post-loved one's passing, revealing the impactful tasks that make a substantial difference.

Buckles Law provides strategic insights on managing time, energy, and stress through prioritized actions for expats owning assets in France, the UK, and the US.

Chase Buchanan offers financial perspectives on avoiding overwhelm, ensuring a smooth and manageable planning process.

🌍 Join us for an unmissable exploration into securing your vibrant later chapters in the heart of France! 🌍

*\*when you register to the webinar, you are automatically signing up to the Ibanista newsletter. You can unsubscribe at any time.*


Preparing for Life's Later Chapters in France

*Description:*

Planning a move to France and anxious about navigating the visa process while ensuring a sustainable income abroad? Our webinar, "Moving to France? Boost Your Visa Approval Odds and Income Prospects," is your essential guide to overcoming the hurdles and making your French living dream a reality.

Join Daniel Tostado, Immigration and French visa specialist, and Valerie Aston from Startbusinessinfrance, as they share practical strategies for increasing your visa approval chances and setting up solid income streams. Skip the paperwork frustration and get straight to the insights that matter most.

**What to Expect:**

1.  Visa Success Strategies: Daniel Tostado cuts through the bureaucratic maze, providing direct advice on essential paperwork, timelines, and tactics to boost your visa approval odds.
2.  Income Roadmap: Valerie Aston outlines a clear plan for setting up income streams, ensuring your move to France is financially sound. Realistic advice on managing finances and capitalising on opportunities.
3.  Interactive Q\&A: Get answers tailored to your concerns. Engage in a practical discussion with our panellists, addressing the specific worries of those planning a move to France.
4.  Avoiding Pitfalls: Receive bonus tips on avoiding common pitfalls and ensuring a seamless transition to life in France.

Ready to move without the paperwork stress? Join us for "Moving to France? Boost Your Visa Approval Odds and Income Prospects!" — where practical advice meets your French living aspirations.

*\*when you register to the webinar, you are automatically signing up to the Ibanista newsletter. You can unsubscribe at any time.*


Moving to France? Boost Your Visa Approval Odds and Income Prospects

Relocating employees to the UK involves more than just securing visas—it’s about ensuring the entire family transitions smoothly. For HR teams, understanding both the legal framework and the practical challenges of family relocation is crucial. A successful employee relocation depends on getting family logistics right, and overlooking these details can lead to costly disruptions.

Join us for an insightful **45-minute webinar** where industry experts will break down the essential legal and family considerations when supporting employees moving to the UK.

🎤 **Our Expert Panel:**

*   **Emma Dauriac** – Immigration Lawyer, Kingsley Napley
*   **Karlijn Jacobs** – Family Relocation Specialist, Expat Valley

### **What to Expect:**

*   **Legal Insights:** Understand key visa requirements, dependent rules, and common HR mistakes.
*   **Practical Guidance:** Navigate family logistics—from housing to education and emotional well-being.
*   **Real-Life Scenarios:** Explore case studies on employee relocations and family moves for education.
*   **Interactive Q\&A:** Get your questions answered by leading experts.

Whether you're supporting a senior executive or a family relocating for education, this webinar will equip you with the tools to ensure a seamless move.
