[ Cross-border position desk ]
Every crossing has a price.
We compute yours and cite it.
You are taking a job in Geneva, retiring from Dubai to Portugal, or coming home after four countries. Ambilatres turns your real situation into a Position Dossier: what each country costs you for your income, what happens to every asset and wrapper you hold, what each pension system will actually pay, and the dated actions in between.
Every figure carries the official text it came from. We sell the analysis and nothing else — no product, no commission, no adviser waiting at the end of the dossier.
The intake is not open yet. This page collects nothing: no email field, no waitlist, no account.
Bank A · where you are today
Bank B · where you are going
Ambilatres — those who live on both sides of the river
[ Snapshot · specimen ]
The free Snapshot, computed from seven answers.
A composite case, not a customer. These figures show the format of a Snapshot. Yours are computed from your own facts.
France–Switzerland corridor
Married, one child · gross salary €140,000 · French rental income €18,000 · PEA and assurance-vie held
Bank A — France, tax resident
€51,300
tax and social contributions, 2026 tax year [CGI art. 197]
Bank B — Switzerland, Geneva resident
€38,900
tax and social contributions, 2026 tax year [LIFD art. 36]
Annual difference
€0€51,300 less €38,900. In favour of Bank B, on income alone. Your wrappers and your pension years come next, and they are what usually move the total.
Three flagged exposures
- 01Your PEA the day you leaveThe plan survives the move, but unrealised gains on your securities are valued at departure and can fall inside the exit charge.[CGI art. 167 bis]
- 02Your €18,000 of French rental incomeIt stays taxable in France after you leave, and carries social levies of 17.2% unless your affiliation exempts you.[CSS art. L136-6]
- 03Your 2e pilier buy-backA voluntary buy-back is deductible from Geneva taxable income in the year it is paid. The window closes when you leave Switzerland.[LPP art. 79b]
[ The position today ]
You are holding a decision worth tens of thousands of euros, and four bad places to take it.
Forums and blogs
no figuresGeneric, often out of date, and never about your own numbers.
Cost-of-living calculators
wrong subjectThey price a city and a salary. They do not know your property, your wrappers or your pension years.
The free expat adviser
paid by someone elseFree at the point of use because a commission sits inside an assurance-vie or an offshore bond. The work is real; the incentive is not yours.
The cross-border fiscalist
slow and opaqueExcellent work, €1,500 to €5,000, the price hidden behind a contact form, and weeks of waiting.
So people make irreversible cross-border decisions on hearsay and a spreadsheet, and find out what it cost years later, in a pension statement or a tax assessment.
[ Two hard rules ]
Rule one
We compute and cite. We never recommend a fund, an allocation, a provider or a security.
Rule two
We never touch your money, and no third party ever pays us to write a dossier a particular way.
That is what keeps Ambilatres outside the licensed perimeter. It is also the whole point: this is the only analysis in this market that nobody is paying to have written a particular way. No commissions, no referral fees, no retrocessions, ever.
We never ask for bank credentials, portfolio holdings or account numbers. We do not need them and we will not hold them.
[ The Dossier ]
A document you can hand to an accountant without embarrassment.
Answer seven questions, then upload what you have — relevé de carrière, certificat AVS, 2e pilier statement, payslips, tax notices. The desk reads them back as plain lines you can correct.
- 01Scenario comparisonEach country in play, side by side, with the actual annual tax and social-contribution outcome for your income.
- 02Asset and wrapper treatmentEvery asset and wrapper you hold — PEA, assurance-vie, 2e pilier, property, options — under each residency in question.
- 03Career LedgerFull DossierYour pension periods across systems, reconciled into one view, with what each system will actually pay and where the gaps are.
- 04GapFull DossierThe capital your stated retirement budget requires, and the monthly savings rate that closes the shortfall.
- 05CalendarDated actions, nearest deadline first, with the days remaining beside each one.
- 06SourcesThe official text behind every figure, and a link under each number to have it re-derived within 48 hours.
[ Price ]
Printed on the page, where the contact form usually goes.
| Deliverable | What it covers | Price |
|---|---|---|
| SnapshotOne page. Your headline exposure and the two or three things that will hurt. | One page. Your headline exposure and the two or three things that will hurt. | Free |
| Corridor DossierOne country pair. Full scenario comparison, asset and wrapper treatment, Calendar. | One country pair. Full scenario comparison, asset and wrapper treatment, Calendar. | €290 |
| Full DossierUp to three countries, plus the Career Ledger, the Gap and the required savings rate. | Up to three countries, plus the Career Ledger, the Gap and the required savings rate. | €690 |
| RevisionAn existing Dossier re-run against new facts or a new tax year. Previous versions stay readable. | An existing Dossier re-run against new facts or a new tax year. Previous versions stay readable. | €90 |
A wrong figure is fixed or refunded, 14 days.
One-time purchase. No subscription. No commission.
[ Corridors at opening ]
If your corridor is not on this list we say so before you answer a single question. We will not sell a Dossier we cannot source.
The desk opens shortly. Bring the crossing you are already thinking about.
Write to the deskbonjour@ambilatres.com — a human inbox. There is nothing to sign up for on this page.