Helping Americans retire well in France

A better retirement,
expertly orchestrated
for you.

Whether you're planning the move or already settled in France, we coordinate vetted cross-border experts in visas and residency, dual-country taxes, healthcare, housing, banking, and estate planning, so you can focus on what matters.

Why Aelos
Why Aelos
Aelos partners with
Dual-country tax experts who handle your US and French returns together, so both filings always line up.Cross-border estate lawyers who structure your trusts, heirs and succession to hold up under both US and French law.Modern, English-speaking health insurance built for newcomers settling in Europe.Steps in as your French rental guarantor, so landlords welcome you without French income or a local cosigner.France's largest bank, where we help members open their French account — a step most banks don't make easy for Americans.Court-sworn translators whose certified civil documents sail through French consulates and prefectures.
The problem

Every other route only gets you so far.

There are three ways to get help with a move to France. Here is where each one stops.

01 · Where most people start

Do it yourself

Reddit, Facebook groups and blogs are a great place to start. But every story comes from someone with a different visa, income and family situation. Eventually, you have to decide which advice applies to you, which one is accurate, and connect all the pieces yourself.

02 · Then you bring in help

Hire specialists

A good specialist is worth having, and finding one is its own project. Then each one sees only their part: immigration, taxes, healthcare, banking or estate planning. Someone still has to connect them into one plan and catch what slips between them.

03 · Or you hand it all over

Hire a relocation company

Most relocation companies get you to France and stop there. The move ends, but the paperwork doesn't: residency renewals, taxes, healthcare and banking continue long after arrival, and the US side of the move (Medicare, state residency, your tax filing) was never theirs at all.

All along the way

The person holding it all together is still you.

Most Americans don't struggle because they can't find help. They struggle because every provider owns a different piece, and no one owns the whole picture. So you become the courier between them — resending the same documents and keeping everyone on the same page.

The solution

One file, one person, and nothing left to luck.

Every specialist works from the same file. Your documents, deadlines and decisions stay in one place, so nothing gets lost between them and you never have to explain your situation twice.

One owner per file

One person knows your file from start to finish. Questions don't disappear into a queue, and you never wonder who owns the next step.

Vetted specialists, coordinated

Immigration lawyers, CPAs, healthcare advisors and translators each do what they do best. We make sure they're working from the same plan, in the right order.

Never asked twice

Tell your story once. Upload each document once. We keep everything together, so you're not forwarding emails or resending paperwork every time someone new joins the process.

Your information
  • Your documents stay in one secure place
  • Partners work from access-logged links, never email attachments
  • Each specialist sees only the part of your file they need
  • We never sell your data, and never share it beyond what your file needs

You'll trust us with your passports, tax returns, bank statements and other sensitive documents.

Protecting them isn't a feature. It's part of the job.

The technology

Nothing important gets missed.

Uploading a document isn't the hard part. The hard part is knowing whether it's still valid six months later, whether it matches everything else in your file, and whether it's still right for what's coming next. Every upload is checked immediately, then monitored as your move progresses, so problems are caught before they become delays.

  • Read the moment you upload itNames, dates and document types are identified automatically.
  • Checked against your whole fileCompared with the rest of your file to catch mismatches early.
  • Fresh on the day of your appointmentExpiry dates are read off the document and checked against your appointment date.
  • Flagged before it becomes a problemIf something needs attention, we tell you before your application reaches the consulate or préfecture.
  • Watched as deadlines approachAppointments, expiry dates and renewal windows are tracked automatically.5 MO4 MO60 D30 D
  • Always the latest, for everyoneEvery specialist sees the same up-to-date file, not outdated email attachments.

What it flags, a person handles. Nothing is sent alone.

Who does the work

The people behind every file.

The founders, Ali and Arnaud, met in college in Paris and have lived for years in both the US and France: they know Roth IRAs and 401(k)s as well as préfectures. The specialists around them are based in France, each with years of experience in their own field.

The founders
Ali Benslimane — Co-founder & CEO

Previously at Google, Stripe and Interop Labs, where he led international expansion and operations. After relocating across countries himself, he built Aelos to make international relocation feel coordinated instead of fragmented.

Arnaud Douceur — Co-founder & CTO

Software engineer, entrepreneur and Y Combinator founder. Started his career at Apple before founding his own automotive software company. He now leads the technology that keeps every Aelos file connected.

The experts
  • Sarah
    Immigration
  • Lisa
    Healthcare
  • Benjamin
    Cross-border tax (CPA)
  • Thomas
    Tax attorney
  • Claire
    Certified translations
  • Emily
    Pet relocation
  • Ben
    Housing & currency
Start with a conversation
Why France

A retirement worth the move.

France offers American retirees something unusual: healthcare that actually works, a culture that lingers at the table, and the rest of Europe right next door, all at a lower cost of living than most US metros.

1st
travel destination on earth
+4 yrs
life expectancy vs US (Source: UN)
30%
lower cost of living vs US (Source: Forbes)
A laughing couple on a city street, one carrying the other piggyback
Tax & savings

Your retirement income, taxed only at home.

Protected by a 1994 tax treaty

The US–France tax treaty keeps many categories of US retirement income taxable only in the United States, including Social Security, 401(k)s, IRAs, pensions, many US investment gains, and rent from US property.

Your former state can't follow you

Once you've properly established non-residency, federal law (4 U.S.C. §114) generally prevents your former state from continuing to tax your retirement income.

France doesn't add another layer

France doesn't add its own income tax or CSG/CRDS to treaty-protected US retirement income. You still declare it in France each year — that annual filing is part of Aelos Membership.

One important exception exists for some investment-funded households: a French health contribution (the “taxe PUMa”) may still apply. The full page and the calculator explain when it does.

Wherever you are in the journey

Your partner before you move. Your partner after you arrive.

A set fee for the move and a flat yearly fee for the life after it, with the same specialists on every file.

For people making the move

Aelos Move Concierge

Everything between deciding to move and settling in France. Your visa, banking, healthcare, housing, and every dependency between them — coordinated by one team, in the right order.

$5,000 per person · couple & EU-passport discounts · final half on arrival

The move, end to end →
For people already settled

Aelos Membership

Once you've arrived, Membership keeps life in France running smoothly: renewals prepared before they're due, both countries' tax returns coordinated, and one team that already knows your file.

$3,500 per household · per year

Everything Membership covers →

Have a different situation? Thirty minutes with an Aelos advisor settles it →

The Journal

Retiring in France, explained.

Read all articles →
Questions people ask us

And what we tell them.

Before you commit to anything

Book a free call with an Aelos advisor.

Thirty minutes, no pitch. About a third of these calls end in “not now,” “do it yourself,” or “France isn't right for you.” If it is right, you'll leave knowing exactly what to do next.

Ali Benslimane
Ali Benslimane
Aelos co-founder. Every consultation is with Ali, not a sales team.
30 minutes · free · no obligation
What we'll cover
  • 01Your personal tax picture, both countries
  • 02Visa and residency strategy
  • 03Healthcare planning and enrollment
  • 04Cross-border estate planning considerations
  • 05A clear next step — Go/No-Go if you're planning, a gap review if you're already in France

Two years from the move, or three years past it? The rules keep moving.

Treaty changes, visa updates, healthcare shifts, and stories from members already living in France. A free newsletter, straight to your inbox, whether you're still planning or long since landed.

Free. No spam. Unsubscribe anytime.