A range of solutions to assess with care.

A wealth management solution only makes sense when it fits into a global strategy and a risk level understood by the client.

1

Generating income

Vehicles oriented towards regular income distribution.

  • Rental real estate under various tax schemes (Pinel, LMNP)
  • "Paper real estate": income-oriented SCPI funds, with financing options
  • Capitalisation contracts
  • Life insurance with broad fund access, oriented towards income distribution
2

Growing capital

Diversification across several asset classes.

  • Diversified funds: equities, bonds, real estate, commodities, sectors and geographic regions
  • Financial portfolios: securities accounts and PEA plans
  • Real estate securities: SCPI, OPCI
  • Structured products (EMTN)
  • Precious metals
3

Preparing for retirement

Anticipating lower income and seeking supplementary revenue.

  • Gradual portfolio rebalancing as retirement approaches
  • Retirement savings plans: PER, including PERIN (formerly PERP, Madelin)
  • PERCOL (formerly PERCO)
  • PERCAT (Article 83)
  • Company schemes: PEE plans, profit-sharing and employee participation
4

Preparing succession

Organising transmission under the best conditions.

  • Opening a life insurance contract
  • Taking out a protection insurance policy
  • Reviewing and updating the beneficiary clause
  • Usufruct gifts
  • Gift-sharing with equalisation payment (donation-partage avec soulte)
5

Reducing taxes

Selecting the tax wrapper best suited to each investment.

  • Choosing the most suitable tax wrapper for each investment
  • Investing in funds dedicated to SMEs (FIP, FCPI, FCPR)
  • Early transmission through a lifetime gift-sharing arrangement
  • Changing matrimonial property regime

A wealth assessment and a precise definition of your needs come before the selection of any solution.

Taxation is only one additional criterion in favour of an investment — never its sole driver.

The solutions mentioned on this website are provided for general information only. They do not constitute personal advice.