Your wealth deserves independent advice.
Thirteen years of wealth management for a demanding clientele, from Monaco to Saint-Tropez.
Preserve, grow,
pass on.
Wealth is built over decades and passed on across generations. It is therefore not steered by the rhythm of the markets, but along a trajectory: asset allocation, tax framework, liquidity, protection of the family and organisation of the transfer, considered as a whole and reviewed as your life evolves.
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I
Preserve
Identifying what weakens an estate before seeking to grow it: the real cost of existing contracts, over-concentration in a single asset, insufficient protection of the spouse, an unsuitable matrimonial regime.
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II
Grow
Building an open-architecture allocation, calibrated to your real horizon and your tolerance for risk, then adjusting it with discipline rather than according to the conviction of the moment.
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III
Pass on
Quantifying the inheritance tax burden as matters stand, then organising the transfer over time — gifts, division of ownership, beneficiary clauses, family structures — in coordination with your notary.
Three commitments,
in writing.
- 01
Verifiable independence
Open architecture, more than ten partner institutions, no production quota. You may ask me why one contract rather than another — I am required to justify it in writing.
- 02
Advice comes before the product
No recommendation before the analysis. A written review, quantified and sourced — then the solution. The reverse order is called selling.
- 03
The same person, over time
No handover of your file, no standardised process. I know your situation without having to read it again, from our first meeting to the annual review.
Five disciplines,
coordinated as one.
Investments & life assurance
The most flexible vehicle in French law — provided it is well chosen.
- French and Luxembourg contracts in open architecture
- Generali, Spirica, UAF Life, Suravenir, Lombard Odier
- Allocation built after a full review and MiFID II profiling
- Lombard lending to borrow without divesting
Tax optimisation
A tax break never redeems a poor investment.
- PER: substantial deduction from the 30% bracket upwards
- LMNP, Malraux and Historic Monuments schemes
- Holding company and parent-subsidiary regime
- Contribution-transfer under 150-0 B ter and reinvestment
Retirement
Knowing precisely what you will receive, then deciding how to close the gap.
- Audit across all schemes and missing quarters
- Estimate of the net amount and the shortfall to bridge
- Weighing early-retirement penalties against deferral bonuses
- Life annuities for substantial estates
Succession & inheritance
Succession is prepared dispassionately, well in advance.
- Simulation across both orders of death
- Gifts, shared gifts, division of ownership
- Split beneficiary clauses
- Family property companies and Dutreil agreements
Business owner's wealth
Business and personal wealth are one and the same.
- Balancing salary against dividends
- Company cash invested through a capitalisation contract
- Sale preparation three to five years ahead
- Madelin protection cover and Article 83 pensions
No shareholding ties, no imposed production targets. The institutions I work with are chosen case by case.
“A competent adviser who explains things well. His approach is clear, precise and tailored.”
“He can make any technical term understandable and his advice is entirely reliable.”
“A professional who is human above all, who takes the time and looks for your best interest.”
“A personalised service and advice of great quality. I recommend him warmly.”
Let's get acquainted.
You tell me about your situation, your plans and what concerns you. I explain how I work. About an hour, at your home or by video call, with nothing to decide that day.