Bristlecone Blog

France offers an irresistible lifestyle for American retirees — world-class healthcare, stunning cities and countryside, and a slower pace of life. But the dream comes with a checklist. From dual tax-filing obligations and Medicare gaps to IRA distribution rules and estate planning across two legal systems, retiring abroad introduces layers of complexity that catch many Americans off guard. This practical guide walks through the seven most important financial and tax issues U.S. citizens should address before making the move to France.

Many seniors breathe a sigh of relief upon reaching age 65—and qualifying for Medicare. Private health insurance is a major household expense for those aged 50-64, and Medicare coverage is significantly cheaper. Even so, some seniors are surprised to learn that they could be subject to additional out-of-pocket Medicare premiums...

Retiring abroad is an accelerating trend among Americans, as nearly 800,000 now receive Social Security benefits internationally. Lower living costs, unique lifestyle choices, and favorable family circumstances drive this movement. However, expat retirement brings complex banking, currency, tax, and healthcare challenges—especially under laws like FATCA and amid currency risk. Proper financial planning is essential. This is the 2nd part of our previous piece.

Retiring abroad is an accelerating trend among Americans, as nearly 800,000 now receive Social Security benefits internationally. Lower living costs, unique lifestyle choices, and favorable family circumstances drive this movement. However, expat retirement brings complex banking, currency, tax, and healthcare challenges—especially under laws like FATCA and amid currency risk. Proper financial planning is essential.

Medicare’s open enrollment period occurs each year between October 15 and December 7. This is the best opportunity for current Medicare participants to modify their coverage, if their healthcare needs have changed.

No matter when you decide to stop or phase-out of work, there are some important milestones to remember and plan for: