We start from your needs, never from a product.
Protecting those who matter, preparing for the future, passing on your wealth in the right conditions: six questions we work through with you.
French tax rules in force in 2026, subject to conditions.
Marriage, civil partnership (PACS) or cohabitation: your status as a couple determines who owns what, and what happens to your assets in the event of separation or death.
Community of acquired property, separation of property, universal community, adjustments to the marriage contract: we help you understand the consequences of each option and, with your notary, choose the arrangement that best protects you and your loved ones.
Death, disability, loss of income: would your loved ones be safe if something happened?
We review your existing cover (personal protection insurance, loan insurance, beneficiary clauses) and take each specific situation into account: minor children, blended families, a relative with a disability.
School, accommodation, a year abroad: a regular effort, started early, weighs little on the family budget.
Together we set a savings pace and investments suited to the time horizon, then gradually secure the capital as the start of studies approaches.
Retirement often brings a drop in income. The earlier you plan, the lighter the effort.
We estimate your state and mandatory pension rights, measure the gap with the standard of living you want, then build an additional income suited to your tax situation: retirement savings, life insurance, real estate.
Income tax, social charges, property wealth tax: tax that is well understood is tax that is better managed.
We approach tax from the angle of your wealth goals, not simply reducing tax. Each lever is assessed in light of its real cost and its risks. We also offer assistance with your income tax return.
Planning ahead means protecting your loved ones, reducing inheritance tax and preserving family harmony.
Gifts, splitting ownership (bare ownership and usufruct), life insurance, wills: working with your notary, we build a strategy that respects your wishes and the balance of your family.
Your company often makes up most of your wealth. We support you from protecting it to passing it on.
French tax rules in force in 2026, subject to conditions.
Your business depends on you: are you covered in the event of illness or an accident?
Daily allowances, annuities, lump sums: some cover protects your income and your loved ones. Other cover protects the company itself (key person insurance, cover between partners).
How you pay yourself affects both your tax and your social protection.
Together with your accountant, we compare the options (salary, dividends, employee savings, retirement savings) in light of your goals, their real cost and their risks.
Putting the company's cash to work for the owner and the employees.
Company savings plans, collective or individual retirement savings plans: schemes with a defined social and tax framework, which we set up with you.
A sale is prepared years in advance, so that you are never forced to rush your exit.
Valuation, structuring (holding company, contribution-and-sale, Dutreil pact), family succession, reinvesting the sale proceeds: with your accountant and your lawyer, we secure every step and prepare for what comes next.
A first conversation to take stock, with no obligation.