Tailor-made wealth management

Tout le monde n'a pas les mêmes actifs, les mêmes objectifs, le même horizon ou la même exposition fiscale. Un conseil patrimonial qui ne part pas de cette réalité n'est pas un conseil — c'est une grille de produits. La Tailor-made wealth management part du principe inverse : la stratégie se construit à partir de votre situation, pas l'inverse.

What is truly tailor-made wealth management?

The difference between standardized advice and personalized approach

Standardized advice fits a category.

Tailored advice starts from a different question: what is true for you now, given your assets, your status, your family structure, your five-year goals and your exposure to risk?

What concretely distinguishes a personalized approach: it starts from an exhaustive diagnosis before any recommendation, it prioritizes rather than stacking products, it anticipates future events (disposal, retirement, transmission) rather than reacting to the situation, and it evolves with your situation over time.

À qui s'adresse la Tailor-made wealth management ?

It is aimed at anyone whose situation has several simultaneous dimensions to arbitrate.

A young entrepreneur whose business generates €200,000 in annual profit but whose personal assets are still limited needs tailor-made advice: the decisions he makes now on his structure, his remuneration and his pension plan determine his assets in ten years.

In summary: as soon as your situation combines several objectives (protect, grow, prepare for retirement, pass on) in a specific tax and legal context, a standardized approach costs you money every year without you seeing it.

Our 4-step methodology

Step 1 — Overall asset audit

Before any recommendation, we carry out a complete inventory of your situation.

This audit systematically reveals invisible inconsistencies in unstructured management: a liberal whose pension only covers 20% of his real income, a manager who distributes dividends at 30% PFU while a holding company would allow him to capitalize almost tax-free, a couple who hold rental real estate assets directly while the SCI at the IS would offer them much lower taxation and easier transfer.

Step 2 — Setting personal and family goals

The heritage strategy only makes sense when articulated around precise objectives.

This step also includes defining your real risk tolerance — not via a standardized MIF questionnaire, but via a conversation about what you cannot afford to lose, your liquidity horizon and the commitments that weigh on your assets.

Step 3 — Development of a dedicated heritage strategy

The strategy is built by prioritizing actions by impact and urgency.

The strategy covers all dimensions: legal structuring if necessary (holding, SCI, modification of matrimonial regime), tax optimization (PER, life insurance, deduction systems), allocation of financial assets (consistent with the identified risk profile and horizon), pension coverage, and inheritance organization.

Step 4 — Monitoring, adjustment and management over time

A heritage strategy is not a fixed document.

We conduct a systematic annual review covering all parameters, and we intervene outside of this schedule during any triggering event: birth, divorce, death, sale of business, entry or exit of a partner, inheritance, crossing of an IFI threshold.

The levers of a personalized wealth strategy

Tailor-made tax optimization

Tax optimization isn't about stacking niches — it's about identifying the levers that are relevant to your specific tax situation and activating them in the right order.

Tax optimization is also temporal: certain decisions only make sense at specific times (the year of a sale, the year of exceptional income, the year of retirement).

Investments and asset allocation tailored to your profile

The right asset allocation doesn't mean the best-performing portfolio in theory — it means the portfolio that fits your overall situation.

The open architecture we have provides access to the entire market — investment funds, private equity, SCPI, ETF, multi-support life insurance contracts — without in-house range constraints.

Targeted real estate strategies

Real estate often represents the heaviest asset item — and the one that generates the most questions about the optimal holding structure.

A couple whose children are starting higher education has every interest in thinking about acquiring a bare ownership property with a student lease.

Preparation for retirement and transfer

Retirement and transmission have in common that they require time.

Preparing for the transfer begins with a mapping of assets and beneficiaries, then with the choice of suitable tools (life insurance, donation-sharing, dismemberment, Dutreil pact for holders of company securities) depending on the composition of the assets and the family structure.

Profiles and situations: concrete responses to different issues

Executives and liberal professions

A high-income executive faces a concentration of income over a short period (stock options, bonuses, severance pay) which requires an emergency tax strategy and immediate reinvestment.

These two profiles share a high tax burden and under-covered protection needs.

Business leaders and entrepreneurs

The business leader lives with permanent ambiguity: almost all of his wealth is concentrated in an illiquid asset whose value can collapse or explode.

An entrepreneur five years from selling has different priorities from one who has just created his business.

Families and intergenerational wealth management

Family heritage issues involve the protection of the home, the preparation of the children's future and the organization of the parents' inheritance.

A couple whose aging parents have significant assets must anticipate inheritance issues — including the question of financing a possible dependency — before decisions are made in the urgency of a medical situation.

Why choose an independent firm for your wealth management

Independence, transparency and open architecture

An independent firm is not linked to any banking network, insurance company or management company.

Transparency on remuneration is a regulatory obligation (MIF 2 directive, CIF status registered with ORIAS) and a condition of trust: you know exactly how your advisor is remunerated — in fees, declared commissions or mixed mode — and you can assess whether his recommendations are aligned with your interests.

A dedicated contact throughout your asset life

The value of heritage support is built over time.

Questions fréquentes sur la Tailor-made wealth management

How much should you consult a wealth management advisor?

What is the difference between an independent firm and a private bank?

How is a wealth management advisor paid?

What is a heritage audit and how long does it take?

Can you change your wealth management advisor?

What is the difference between a CGP and a notary?