Benjamin Fiorino

Wealth Planner / Tax and Legal Counsel, France and Monaco

Benjamin is an experienced wealth planning adviser, specialising in cross-border and international matters with over 10 years of experience. After working for a number of years as a Wealth Manager at a renowned global private bank in France, he moved into more technical roles in a French life insurance company. He’s now part of the team of in-house Tax and Legal Counsels for the French Market, working closely alongside the Sales team and external partners. Benjamin brings to his role extensive experience of collaborating with clients and bankers to develop tax- efficient family structures for HNW and UHNW individuals.

Qualifications

Chartered Wealth Manager.
Accredited European Financial Planner.
Master’s degree in Finance, Law & Wealth Management.

#8 Summer 2026 France: Capitalisation Bonds and Tax Treatment Following a Gift of Bare Ownership By Benjamin Fiorino Benjamin Fiorino explores the tax considerations associated with gifts of bare ownership involving capitalisation bonds and examines how alternative structuring approaches can support long-term succession planning.

#8 Summer 2026 France: Combining Insurance, Corporate Structures and Capitalisation Contracts By Benjamin Fiorino Benjamin Fiorino explores how life insurance can be combined with corporate structures and capitalisation contracts in France and outlines how these tools can support long-term wealth preservation and intergenerational planning.

#7 Spring 2026 Protecting Blended Families in France Through Beneficiary Clause Engineering By Benjamin Fiorino Blended families are now a defining feature of modern wealth planning in France, exposing the limits of traditional succession tools. While life insurance is often associated with tax efficiency, its true strength lies in the flexibility it offers through advanced beneficiary clause design.

#7 Spring 2026 When Monaco Residency Is Not Enough – Managing French Succession Exposure for International Families By Benjamin Fiorino Building on his Country Focus article examining the France–Monaco corridor, Benjamin Fiorino shares a case study to illustrate a recurring and often misunderstood issue: Monaco residency alone does not eliminate French inheritance tax exposure, particularly where heirs are resident in France.

#7 Spring 2026 France–Monaco Wealth Planning Corridor: Structuring Wealth for International Families By Benjamin Fiorino In this article, Benjamin Fiorino, Wealth Planner and Tax and Legal Counsel for France and Monaco, explains why advisers supporting internationally mobile families must look beyond residency status alone and focus instead on structures that manage ongoing French exposure while remaining portable over time.

#6 Winter 2026 France: Trust-Owned Life Policies Face New Tax Risks After Court Ruling By Benjamin Fiorino Benjamin Fiorino explains the decision and outlines planning options for clients relocating to France.

#5 Autumn 2025 France: Mitigating French Exit Tax: The Role of Life Insurance in International Mobility By Benjamin Fiorino Benjamin Fiorino, Wealth Planner, France, explains how structuring investments within a unit-linked life insurance contract from the outset can notably reduce exposure to Exit Tax and keep long-term planning on track.

#4 Summer 2025 France: Legal Clarity for Estate Planning with Unit-Linked Life Insurance By Benjamin Fiorino In this article, Benjamin Fiorino, Wealth Planner and Tax and Legal Counsel for France and Monaco, explains the implications of the ruling and how advisers can use life insurance to support bespoke, legally robust estate planning strategies.

#3 Spring 2025 A French Expatriate Family in Dubai By Benjamin Fiorino This case study explores the options available to a French expatriate family residing in Dubai. As they plan to return to France, the couple aims to efficiently transfer €8 million to their children while minimising tax liabilities

#3 Spring 2025 Strategic Gifting for French Expatriates: Maximising Tax Efficiency Before Returning to France By Benjamin Fiorino This article explores the intricacies of French gift tax rules and offers practical advice on how to structure donations effectively before repatriation. By understanding the timing and legal considerations, families can optimise their wealth transfer strategies and ensure a smoother financial transition.

#1 Autumn 2024 France: Transform Dismembered Capital Efficiently with Life Insurance By Benjamin Fiorino Our Senior Wealth Planner for France, Benjamin Fiorino, shares insights into our cutting-edge expertise on the complex topic of dismemberment.

Benjamin Fiorino

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