A solution only makes sense when it serves a goal, your time horizon and your risk tolerance.
We recommend an allocation suited to your profile, implemented with partner insurers and asset management companies, then monitored over time.
French tax rules in force in 2026, subject to conditions.
Growing savings, preparing for retirement, passing on capital within a specific tax framework.
Choice of insurer and investments (euro funds, unit-linked funds), drafting of the beneficiary clause, taxation of withdrawals: these contracts are more technical than they seem. A capitalisation contract can be held by a company or passed on by gift.
Unit-linked funds do not guarantee your capital: their value can go down as well as up.
Savings available at retirement, with contributions that may be deducted from taxable income.
The deduction applies subject to conditions and within a cap; its value depends on your marginal tax rate, today and in retirement. Since 2026, contributions made after age 70 are no longer deductible.
Savings are locked in until retirement, except for early release cases provided for by law, including the purchase of a main residence.
Investing in shares, with lighter taxation after five years for the PEA (French equity savings plan).
The PEA is reserved for shares in European companies. The securities account, with no cap or geographical restriction, completes the allocation.
Investing in unlisted companies to diversify your wealth over the long term.
Often locked in for 8 to 10 years, high risk of capital loss.
Private equity is invested through dedicated funds or companies. It is intended for investors who accept a long lock-in period and a high level of risk.
All investments carry a risk of partial or total loss of capital. For full details of each solution and its associated risks, please contact your adviser.
Directly or through shares in companies, every project is studied carefully: location, price, realistic rent, taxation and form of ownership.
French rules in force in 2026, subject to conditions.
Buying a property, taking advantage of the leverage of a loan.
We work with selected partners to offer you new-build or older properties suited to your situation, and we support you in buying your main residence.
Gaining indirect exposure to real estate, without having to manage it.
Income not guaranteed, capital not guaranteed, resale not guaranteed.
So-called “yield” SCPIs (French real estate investment companies) hold portfolios of commercial buildings (offices, warehouses, shops, hotels or senior residences, etc.) and, depending on the case, housing or healthcare facilities. Their main objective is to distribute regular income, which is not guaranteed.
Units can be acquired directly, with a loan, through split ownership or via a company (SCI subject to corporation tax, holding company): we study with you the most suitable form of ownership.
All investments carry a risk of partial or total loss of capital. For full details of the risks associated with SCPIs, please contact your adviser.
Depreciating the property and furniture to reduce the tax on rental income.
A tool often used to prepare for retirement. The rules have changed recently, notably for calculating the capital gain on resale: every project deserves a personalised study.
Restoring a protected historic building in return for tax benefits.
Risk of tax reassessment, which may lead to a loss greater than the amount invested.
These schemes impose commitments on works, letting and holding period, and change with each Finance Act. We only consider them when they serve an overall wealth goal.
Any tax-reducing investment carries a risk of tax reassessment, meaning the tax authorities may claw back the tax reduction. A reassessment may lead to a loss greater than the amount invested. For full details of the risks associated with this type of solution, please contact your adviser.
All investments carry a risk of partial or total loss of capital. For full details of each solution and its associated risks, please contact your adviser.
As an insurance broker, we compare the cover offered by several insurers to protect your family, your business and your loans.
French rules in force in 2026, subject to conditions.
A significant part of the cost of a mortgage, which you can renegotiate at any time.
The new contract must offer cover at least equivalent to that required by the bank. We compare offers and handle the formalities with your bank.
Death benefit, education annuity, daily allowances, disability.
We check your existing cover and, where necessary, recommend guarantees suited to your family and professional situation.
Units with low liquidity, very long-term investment, risk of capital loss.
A GFI is a fund that acquires and manages forests. The investor does not own a forest directly: they gain indirect exposure to the timber and forest land market, whose performance depends in particular on timber prices, climate and health hazards and the quality of management.
Depending on the vehicle, subscribing may, subject to conditions, give rise to tax benefits in respect of income tax, property wealth tax (IFI) and transfers.
All investments carry a risk of partial or total loss of capital. For full details of the risks associated with this solution, please contact your adviser.
A full diagnosis of your situation and a written strategy, carried out for a fee under an engagement letter.
Direct ownership, split ownership or through a company (SCI, holding company): we study the most suitable option together with your other advisers.
Assistance every spring with declaring your income, particularly rental and investment income.
The answer starts with a review of your situation.
The information on this page is general and does not constitute a personalised recommendation. Past performance is not a reliable indicator of future performance. Tax benefits depend on each person's individual circumstances and on the regulations in force, which may change.