If you're planning a move to France, already living here, or investing in French property, insurance is one subject you don't want to learn about the hard way. What coverage do you need for a long-stay visa? When can you enter the French healthcare system? What does (or doesn't) your policy actually cover? And how do you make sense of a system in which health, property, automobile and liability insurance can all overlap with France's immigration and residency requirements? 00:00 Meet Your Expert Panel 03:53 French Insurance Fundamentals 06:33 Choosing Medical Coverage 21:21 Residency & Visitor Health 22:32 Surprise Free Emergency Care 25:12 Term Versus Life Policies 26:35 Legal Expenses Protection 32:21 Mandatory Homeowner Coverage 37:40 Calculating Renters Insurance 40:33 Insuring Unique Properties 44:17 Free Prescriptions & Checkups 45:01 Vaccinations, Osteopathy, Physios, Nutritionists 48:44 Insuring Valuable Possessions Insurance may not be the sexiest subject in the world, but not having the right insurance in France can become very unattractive, very quickly. That's why this quarter's North American Expats in France Quarterly Financial Forum was devoted to: INSURANCE IN FRANCE MADE SEXY…REALLY? Recorded live via Zoom on Wednesday, September 9, 2026. Over the course of an hour, we worked to remove some of the mystery that surrounds French insurance and explore the core areas North Americans need to understand before, and after, making the move to France. MEET OUR EXPERT Fabien Pelissier, founder of FAB French Insurance. Fabien founded FAB as a specialist brokerage, devoted to helping people moving to and living in France. While his firm provides everything from automobile and property insurance to medical coverage, its core specialty is one of the most important, and most frequently misunderstood, parts of relocating: finding compliant insurance for long-term visas and residency. Fabien also brings an unusual insider's understanding of French public administration, having served on the boards of URSSAF and CPAM. It's this combination of technical knowledge, institutional experience and practical problem-solving that led Fabien to describe himself as an "Immigration GP" – looking at the whole picture and helping clients navigate the interconnected realities of settling in France with clarity, confidence and realism. THE FINANCIAL PERSPECTIVE FROM BOTH SIDES OF THE POND Joining Fabien are Eric Frison of Dunhill Financial, a bilingual U.S.–France cross-border financial advisor based in France, along with Adrian Leeds and Patty Sadauskas from French real estate agency the Adrian Leeds Group. MORE THAN A DECADE OF STRAIGHT ANSWERS Dunhill Financial and the Adrian Leeds Group have been presenting financial forums together every quarter since 2015. Living in France is wonderfully rewarding, but managing your financial life across two countries can be anything but simple. Taxes, investments, inheritance, insurance, currency, property ownership and residency can intersect in ways most North Americans have never encountered. LEARN MORE https://www.fabfrenchinsurance.com https://www.dunhillfinancial.com https://adrianleeds.com #LivingInFrance #ExpatsInFrance #FrenchInsurance #FranceVisa #MovingToFrance #CrossBorderFinance #ExpatLife #FrenchResidency #AmericansInFrance #FrenchHealthcare #RelocateToFrance #FranceRealEstate #ExpatFinance #FranceExpat Dunhill Financial, LLC is a registered investment adviser. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Copyright © 2026 Dunhill Financial. All rights reserved.

Join Dunhill Financial and the Adrian Leeds Group each quarter for our Financial Forum, where we explore key financial topics for expatriates with expert insights from Brian Dunhill, Adrian Leeds, and special guest speakers. It Costs Half as Much to Live in France...Learn Why! In this session Adrian Leeds will discuss the true cost of the French lifestyle. From the nuances of the rental market to the reality of daily expenses, we’re breaking down how you can make the move without breaking the bank. As always, thank you to Adrian and Patty at ‪@adrianleedsgroup‬ www.adrianleeds.com Find out more and get in touch with us at: https://www.df-direct.com/ https://www.dunhillfinancial.com/ LinkedIn: / dunhill-financial-llc X: / dunhillfin Facebook: / americanexpatfinances DUNHILL FINANCIAL, LLC IS A REGISTERED INVESTMENT ADVISER. INFORMATION PRESENTED IS FOR EDUCATIONAL PURPOSES ONLY AND DOES NOT INTEND TO MAKE AN OFFER OR SOLICITATION FOR THE SALE OR PURCHASE OF ANY SPECIFIC SECURITIES, INVESTMENTS, OR INVESTMENT STRATEGIES. INVESTMENTS INVOLVE RISK AND UNLESS OTHERWISE STATED, ARE NOT GUARANTEED. BE SURE TO FIRST CONSULT WITH A QUALIFIED FINANCIAL ADVISER AND/OR TAX PROFESSIONAL BEFORE IMPLEMENTING ANY STRATEGY DISCUSSED HEREIN. Copyright © 2026 Dunhill Financial. All rights reserved.

Watch the full webinar for an insightful discussion with Daniel Tostado from the law firm Cabinet Daniel Tostado. We covered the best visa pathways for retirees and digital nomads, common traps in French bureaucracy, and the real timeline for getting citizenship. Daniel Tostado is a French immigration law firm that helps clients who want French visas, residency permits, and French citizenship. Learn more or get in touch with Daniel and his team at https://www.danieltostado.com/ Find out more and get in touch with us at: https://www.df-direct.com/ https://www.dunhillfinancial.com/ LinkedIn: / dunhill-financial-llc X: / dunhillfin Facebook: / americanexpatfinances DUNHILL FINANCIAL, LLC IS A REGISTERED INVESTMENT ADVISER. INFORMATION PRESENTED IS FOR EDUCATIONAL PURPOSES ONLY AND DOES NOT INTEND TO MAKE AN OFFER OR SOLICITATION FOR THE SALE OR PURCHASE OF ANY SPECIFIC SECURITIES, INVESTMENTS, OR INVESTMENT STRATEGIES. INVESTMENTS INVOLVE RISK AND UNLESS OTHERWISE STATED, ARE NOT GUARANTEED. BE SURE TO FIRST CONSULT WITH A QUALIFIED FINANCIAL ADVISER AND/OR TAX PROFESSIONAL BEFORE IMPLEMENTING ANY STRATEGY DISCUSSED HEREIN. Copyright © 2026 Dunhill Financial. All rights reserved.

Beyond the Spreadsheet: What Financial Planning Actually Is (and Isn't). Many people use the terms "budgeting," "investing," and "financial planning" interchangeably, but they are actually very different tools in your kit. If you have a budget but no plan, you’re watching your speed without knowing your destination. If you have a portfolio but no plan, you have an engine without a car. In this session, Reuben Woods and Joshua Madden of Dunhill Financial break down the anatomy of a true financial plan. We explore why "managing your assets" is only one small part of the puzzle - especially when you live across borders. Learn more: https://www.df-direct.com https://www.dunhillfinancial.com LinkedIn: / dunhill-financial-llc X: / dunhillfin Facebook: / americanexpatfinances Bluesky: /dunhillfinancial.bsky.social DUNHILL FINANCIAL, LLC IS A REGISTERED INVESTMENT ADVISER. INFORMATION PRESENTED IS FOR EDUCATIONAL PURPOSES ONLY AND DOES NOT INTEND TO MAKE AN OFFER OR SOLICITATION FOR THE SALE OR PURCHASE OF ANY SPECIFIC SECURITIES, INVESTMENTS, OR INVESTMENT STRATEGIES. INVESTMENTS INVOLVE RISK AND UNLESS OTHERWISE STATED, ARE NOT GUARANTEED. BE SURE TO FIRST CONSULT WITH A QUALIFIED FINANCIAL ADVISER AND/OR TAX PROFESSIONAL BEFORE IMPLEMENTING ANY STRATEGY DISCUSSED HEREIN. Copyright © 2026 Dunhill Financial. All rights reserved.

In this session, we are joined by special guests Daniel Tostado and Jonathan Hadida to break down the real differences between visas, legal residency, permanent residency, and citizenship. We also explain why most US expats in France do not need French citizenship to live, work, and stay long-term. We are joined by expert guests Jonathan Hadida, a cross-border estate and tax planning specialist from Hadida Tax Advisors, and Daniel Tostado, a French immigration attorney. While Jonathan advises expatriates on U.S. tax compliance and international inheritance matters, Daniel specializes in residency and visa strategies for U.S. citizens navigating the French administrative system. To learn more about their services, you can visit www.hadtax.com and https://www.danieltostado.com/ As always, thank you to Adrian and Patty at ‪@adrianleedsgroup‬ www.adrianleeds.com --- Find out more and get in touch with us at: https://www.dunhillfinancial.com/ LinkedIn: / dunhill-financial-llc X: / dunhillfin Facebook: / americanexpatfinances Bluesky /dunhillfinancial.bsky.social DUNHILL FINANCIAL, LLC IS A REGISTERED INVESTMENT ADVISER. INFORMATION PRESENTED IS FOR EDUCATIONAL PURPOSES ONLY AND DOES NOT INTEND TO MAKE AN OFFER OR SOLICITATION FOR THE SALE OR PURCHASE OF ANY SPECIFIC SECURITIES, INVESTMENTS, OR INVESTMENT STRATEGIES. INVESTMENTS INVOLVE RISK AND UNLESS OTHERWISE STATED, ARE NOT GUARANTEED. BE SURE TO FIRST CONSULT WITH A QUALIFIED FINANCIAL ADVISER AND/OR TAX PROFESSIONAL BEFORE IMPLEMENTING ANY STRATEGY DISCUSSED HEREIN. Copyright © 2026 Dunhill Financial. All rights reserved.

Join us for our monthly series where we deep dive into what’s moving the markets. We’ll look at recent trends, economic developments, and portfolio positioning. Learn more: https://www.df-direct.com/ https://www.dunhillfinancial.com/ LinkedIn: / dunhill-financial-llc X: / dunhillfin Facebook: / americanexpatfinances Bluesky: / dunhillfinancial.bsky.social DUNHILL FINANCIAL, LLC IS A REGISTERED INVESTMENT ADVISER. INFORMATION PRESENTED IS FOR EDUCATIONAL PURPOSES ONLY AND DOES NOT INTEND TO MAKE AN OFFER OR SOLICITATION FOR THE SALE OR PURCHASE OF ANY SPECIFIC SECURITIES, INVESTMENTS, OR INVESTMENT STRATEGIES. INVESTMENTS INVOLVE RISK AND UNLESS OTHERWISE STATED, ARE NOT GUARANTEED. BE SURE TO FIRST CONSULT WITH A QUALIFIED FINANCIAL ADVISER AND/OR TAX PROFESSIONAL BEFORE IMPLEMENTING ANY STRATEGY DISCUSSED HEREIN. Copyright © 2026 Dunhill Financial. All rights reserved.

Join us for an hour discussing recent economic trends, how we expect markets to evolve in the months ahead, and what that means for our strategy going forward. Learn more about Brian Dunhill’s Amazon bestseller Borderless Living: How to Create Freedom and Financial Security for Americans Abroad via: Amazon link to Borderless Living: https://www.amazon.com/Borderless-Liv... Find out more and get in touch with us at: https://www.df-direct.com/ https://www.dunhillfinancial.com/ LinkedIn: / dunhill-financial-llc X: / dunhillfin Facebook: / americanexpatfinances Bluesky /dunhillfinancial.bsky.social DUNHILL FINANCIAL, LLC IS A REGISTERED INVESTMENT ADVISER. INFORMATION PRESENTED IS FOR EDUCATIONAL PURPOSES ONLY AND DOES NOT INTEND TO MAKE AN OFFER OR SOLICITATION FOR THE SALE OR PURCHASE OF ANY SPECIFIC SECURITIES, INVESTMENTS, OR INVESTMENT STRATEGIES. INVESTMENTS INVOLVE RISK AND UNLESS OTHERWISE STATED, ARE NOT GUARANTEED. BE SURE TO FIRST CONSULT WITH A QUALIFIED FINANCIAL ADVISER AND/OR TAX PROFESSIONAL BEFORE IMPLEMENTING ANY STRATEGY DISCUSSED HEREIN. Copyright © 2026 Dunhill Financial. All rights reserved.

Join us for our monthly series where we deep dive into what’s moving the markets. We’ll look at recent trends, economic developments, and portfolio positioning. Learn more: https://www.df-direct.com/ https://www.dunhillfinancial.com/ LinkedIn: / dunhill-financial-llc X: / dunhillfin Facebook: / americanexpatfinances Bluesky: /dunhillfinancial.bsky.social DUNHILL FINANCIAL, LLC IS A REGISTERED INVESTMENT ADVISER. INFORMATION PRESENTED IS FOR EDUCATIONAL PURPOSES ONLY AND DOES NOT INTEND TO MAKE AN OFFER OR SOLICITATION FOR THE SALE OR PURCHASE OF ANY SPECIFIC SECURITIES, INVESTMENTS, OR INVESTMENT STRATEGIES. INVESTMENTS INVOLVE RISK AND UNLESS OTHERWISE STATED, ARE NOT GUARANTEED. BE SURE TO FIRST CONSULT WITH A QUALIFIED FINANCIAL ADVISER AND/OR TAX PROFESSIONAL BEFORE IMPLEMENTING ANY STRATEGY DISCUSSED HEREIN. Copyright © 2026 Dunhill Financial. All rights reserved.

Are your foreign assets protected from unexpected U.S. and foreign taxes? In this vital session of our quarterly Financial Forum, we tackled the crucial but often-avoided topic: Inheritance Tax Before You Die. Americans living overseas face a unique and complex intersection of U.S. tax laws and foreign inheritance rules. Missteps can be costly, complicated, and even ruinous for your heirs. We were joined by expert guest Jonathan Hadida, a cross-border estate and tax planning specialist from Hadida Tax Advisors, who advises expatriates on U.S. tax compliance and international inheritance matters. Want to learn more? Visit https://www.hadtax.com As always, thank you to Adrian and Patty at ‪@adrianleedsgroup‬ https://www.adrianleeds.com --- Find out more and get in touch with us at: https://www.dunhillfinancial.com LinkedIn: / dunhill-financial-llc X: / dunhillfin Facebook: / americanexpatfinances Bluesky /dunhillfinancial.bsky.social DUNHILL FINANCIAL, LLC IS A REGISTERED INVESTMENT ADVISER. INFORMATION PRESENTED IS FOR EDUCATIONAL PURPOSES ONLY AND DOES NOT INTEND TO MAKE AN OFFER OR SOLICITATION FOR THE SALE OR PURCHASE OF ANY SPECIFIC SECURITIES, INVESTMENTS, OR INVESTMENT STRATEGIES. INVESTMENTS INVOLVE RISK AND UNLESS OTHERWISE STATED, ARE NOT GUARANTEED. BE SURE TO FIRST CONSULT WITH A QUALIFIED FINANCIAL ADVISER AND/OR TAX PROFESSIONAL BEFORE IMPLEMENTING ANY STRATEGY DISCUSSED HEREIN. Copyright © 2025 Dunhill Financial. All rights reserved.