Looking for a financial planner or a financial advisor ?
Are you a high net worth individual seeking tailored financial guidance and exclusive services designed to elevate your wealth management experience ? Look no further ! Our premium financial advisory services are designed with your unique needs in mind. Here’s what you can expect when you subscribe to our elite offerings :
Our services
Consulting
Personalized Wealth Management: Our experienced advisors craft customized financial plans to match your financial goals, risk tolerance, and individual circumstances. Your financial journey is as unique as you are, and we’ll ensure your plan reflects that.
Wealth Preservation: We prioritize protecting your wealth, implementing strategies to shield your assets from market volatility and economic uncertainties. Benefit from the new high rate environnement and control your risk reward ratio.
Tax Efficiency: Our experts will employ sophisticated tax planning strategies to minimize your tax liabilities, maximizing your wealth retention. This applies to french revenues, real estate located in France, or financial assets relocated within a tax-efficient framework.
Investment Expertise: Gain access to exclusive investment opportunities, private equity, and sophisticated asset allocation strategies, ensuring your investments align with your long-term objectives.
Comprehensive Risk Management: We assess and mitigate various risks, so you can navigate unforeseen events and market fluctuations with confidence. This is strongly correlated with your investment horizon
Estate Planning Excellence: We’ll help you create comprehensive estate plans, including SCI (Société Civile Immobilière), and estate tax minimization strategies, securing your legacy for future generations.
Cash Flow Optimization: Our experts will manage your cash flow efficiently, ensuring you have the funds you need for both immediate and long-term goals.
Risk Assessment and Mitigation: Assessing various risks, including investment, legal, and personal, and developing strategies to mitigate these risks in a multi-assets portfolio
Regular Communication: Expect transparent and regular updates on your financial situation and investment performance to keep you informed and in control.
Fee Transparency: We maintain clear and transparent fee structures so you can fully understand the value you’re receiving. This is based on a letter of engagement mentionning our fees
Trust and Confidentiality: We understand that trust and confidentiality are paramount. Your financial information is handled with the utmost discretion and care.
Distribution
a Vast Product Catalogue : in opposite to retail banking, we are not attached to a single insurance company, or to a single financial service provider. This non-exclusive aggrements allow us to select the best product, with a detailed presentation of the commissions we receive
Assurance Vie (Life Insurance): This versatile and tax-efficient investment wrapper is a cornerstone of French financial planning. It offers significant tax advantages, including tax-deferred growth and inheritance tax benefits. With Assurance Vie, you can invest in a wide range of assets, from traditional funds to real estate, and benefit from the potential for long-term wealth growth. The enveloppe includes the « fonds Euro », which is a special fund garanteed by the insurance company. The « fond Euro » is aiming to reach a 3% performance in 2023.
Contrat de Capitalisation (Capitalization contract) : Similar to the assurance Vie, this contract is available to both individuals and legal entities, which can be commercial (such as a SARL, or a SAS) or non-commercial (SCI or a holding). Also this contract is not liquidated upon the death of the insured, meaning it can be transferred to the beneficiaries.
Plan d’Epargne Retraite (PER): The PER is a tax-advantaged retirement savings account designed to help you build wealth for your retirement years. It offers tax deductions on contributions and the option to withdraw funds for retirement while benefiting from favorable tax treatment.
Plan d’Epargne en Actions (PEA): The PEA is a tax-advantaged investment account tailored for equity investments in French and European companies. It provides tax incentives, such as tax-free capital gains after a qualifying holding period, making it an attractive option for those looking to invest in stocks.
Compte-Titres Ordinaire (CTO): This is a standard taxable securities account that allows you to trade and invest in a diverse range of assets, including stocks, bonds, and funds. While it doesn’t offer the same tax advantages as an Assurance Vie or PEA, it provides flexibility and liquidity for investors, individuals or entities. It is an excellent tool for placing corporate cash at a controled risk exposure.
Why choose us ?
an academic training delivered by AUREP Clermont-Ferrand, a reference institution specialized in wealth management. This establishment is renowned for promoting the use of démembrement in the late 90s to financial assets.
strongly referenced in ORIAS as a CIF (Conseiller en Investissement Financier), IAS, IOBSP
Detentor of the « carte T », which is the professionnal card necessary to trade real estate
Endorsed by Chambre Nationale des Conseils en Gestion de Patrimoine (CNCGP)
a technical background : as an engineer, we like to optimize solutions making sense in terms of revenue and capital taxes, economic growth, and family harmony.