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Personalized Support
. Build or Increase your Assets
(Real Estate, Investments, Investments)
. Optimize your Taxes
(Individuals, Businesses)
. Protect your family
(Spouse, Children, Grandchildren…)
. Prepare the Transfer of your Assets
. Prepare for Retirement
(Employees, TNS, Companies….)
Always at your disposal, while respecting confidentiality
Asset management: definition and advice
Calling on a wealth management advisor allows you to be guided by a professional who will provide the appropriate solutions for your situation and your development ambitions.
Asset management is not as simple as it seems, and once an owner begins to build up significant real estate capital, it is important that he be supported in his efforts to increase your chances of making your investments grow.
Establishing an asset balance sheet based on your professional and economic situation through existing and family assets, defining your investor profile based on your short and long term objectives and your ambitions, are essential for managing and investing your capital. efficient manner.
Asset management brings together all the tasks enabling a person, natural or legal, to build up and/or develop their assets. The latter is made up of diverse and varied assets. The complexity of wealth management lies in finding solutions based on the situation and needs of the investor.
Assets, for their part, can be made up of various assets, such as:
. Real estate (primary residence, secondary residence, rental investments, etc..)
. Land ownership
. Movable property (vehicles, valuables, collectibles, etc.)
. Financial investments (stocks, bonds, life insurance contracts, SCPI shares, etc..).
. Etc....
Build or Increase your Assets.
Developing your assets allows you to ensure a peaceful and confident future. Whether it is financial investments or investments in real estate, it will allow you to obtain additional income which will benefit your standard of living and your purchasing power, as well as your family.
By making an appointment with our wealth management experts, you will realize that developing your wealth can not only ensure your future, but it also provides financial security for your family and loved ones. Being able to say to yourself, for example, that your children will always have a roof over your head, that when you die your spouse will not be in need are all reasons that bring comfort of mind regarding the future of your descendants, your spouse and relatives.
During your wealth assessment carried out with your wealth management advisor, several solutions can be considered. Investing in stone is a safe and profitable way ofincrease your assetsand this in a sustainable way. Subscribing to a financial product allows you to generate profits while benefiting from a tax reduction. This possibility of tax exemption is also one of the advantages of provident insurance, which guarantees the safety of your loved ones in the event of a life accident.
In order to make the most profitable, safest and best-suited choices for your situation, it is therefore essential tocarry out a heritage assessmentL. Whether you want to make a real estate investment, a financial investment, or provident insurance, we offer you personalized support. We also take care of administrative procedures, so that building up your assets is as simple as possible for you.
Optimize your Taxes
In order to reduce your deductions and optimize your assets, use tax exemption solutions, whether real estate or financial.
Note also that the question ofmanagement of executive assetsis just as important. Vigilance must be exercised because the manager's taxation is different depending on the status of the company and its method of remuneration.
Investing in real estate with tax exemption is a safe and sustainable way to build capital while paying less taxes. Whether you want to invest your money in a new property or in an old one, current measures such as the Pinel law, Malraux law or bare ownership offer you the opportunity to benefit from a very attractive reduction and to considerably reduce the amount of your taxes.
Financial tax exemption products are also complementary means toreduce the amount of your taxes. These may be investments on the European market, in the capital of an SME or in a pension product.
These solutions allow you to benefit from tax advantages which may be interesting for you. These options are adapted according to profiles, while taking into account your objectives. In order to optimize your investments so that they are as profitable as possible and benefit from a clear tax reduction, a clear knowledge of the market and a good method are essential. This is why we are here to support and advise you in your efforts.
Protect your family
Protecting your family and loved ones in the event of a life accident is a challenge for everyone. To avoid living with this apprehension, it is therefore essential to think about it in advance and choose the appropriate solutions in order to anticipate possible unfortunate events.
These events are poorly covered by social protection schemes, which is why it is important to think of additional, more secure solutions to ensure that the family does not pay the costs.
To guarantee peace of mind, family insurance is one of the solutions allowing you to combine the protection of your loved ones and plan your retirement. A way to see your long-term future with peace of mind, by ensuring those around you are compensated in the event of an accident, at no additional cost. Certain solutions such as life insurance also have significant tax advantages for your household.
There are several types of family insurance, the terms of which differ depending on your objectives, your age or your professional situation.
We offer you solutions that will allow you to choose the contracts best suited to your expectations, at attractive prices. We will also take care of all administrative and legal procedures, to leave you with peace of mind for those who matter.
Prepare the Transfer of your Assets
The transmission of heritage is a complex but essential issue, which everyone must think about as soon as possible. This is an often delicate subject that some people hesitate to discuss. Yet necessary to protect as much as possible your loved ones, your children, like your surviving spouse in the event of death. This step makes it possible, for example, to reduce the risk of family conflicts that succession can cause.
Anticipate your succession during working life throughtransmission of heritageis more profitable, because it can allow you to reduce your tax burden. This is the case, for example, with real estate donations.
Investing in real estate is therefore a good strategy for transferring property and can allow you to benefit from tax advantages when purchasing a house or apartment. This could be your main residence or a rental, which will allow you or your heirs to benefit from a capital gain on resale.
The transmission of assets will also allow your heirs to avoid excessive costs during the inheritance.
Retirement planning is also a way to ensure your future and secure your loved ones, while having access to tax advantages.
The transfer of assets must therefore be prepared in advance, so that it is done as you wish: without dispersion, ensuring the protection of those around you, within an advantageous tax framework and avoiding any dispute between your loved ones. .
The different solutions that we offer you, such as real estate investment and retirement planning, will help you organize this succession, so that the transmission of your assets is best suited to your needs and most relevant according to your profile.
Prepare for Retirement
Bprepare for retirementis necessary to ensure one's standard of living after leaving working life. This moment in life is important and many of us look forward to it. Being able to fully enjoy a time of freedom and rest, sometimes synonymous with travel or new experiences, is an ideal that many people dream of! But for this, it must be anticipated effectively.
In addition, depending on the evolution of your health, you may be required to generate unplanned expenses. After a certain age, loss of autonomy and dependence can, for example, lead to seeking help from home caregivers or incurring significant medical expenses.
This is why, so that this moment of life fully corresponds to your expectations, it is important to anticipate your retirement by choosing solutions adapted to your objectives now. Although it's never too late to worry about it, the younger you save, the lower the monthly payments will be.
Anticipating your future retirement will allow you to build up additional income when the time comes, while benefiting from tax advantages while you work. Furthermore, these saved capital can also be paid to your loved ones in the event of death: this is the case, for example, with life insurance. Other schemes such as the retirement savings plan (PER, a long-term savings product) or the Madelin Law, for self-employed workers, may, depending on your profile, allow you to generate additional income or compensate for the shortcomings of general schemes.
To be able to enjoy your retirement in a fulfilling way without worrying about your monthly income, we offer you solutions to build up, in the long term, a retirement supplement adequate to your needs.
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The Role of Wealth Management Consulting
The wealth management advisor is responsible for advising his clients so that they make investments in real estate, stock market operations or other financial investments.
He can also directly manage their property.
Depending on their situation and their individual or family projects, the wealth management advisor offers their clients a wide choice of products.
Thus, he can suggest the purchase, rental or sale of houses, apartments, buildings or businesses.
He recommends life insurance, death insurance, retirement insurance or any other financial investment such as savings plans or the purchase of works of art.
Its mission begins with an assessment of the heritage assets, income and above all the expectations of its customers.
He then develops a strategy of investments best suited to the level of risk that each client wishes to take.
Its advice aims to increase the profitability of this heritage.
He has the obligation to take into account the tax and legal constraints of the proposed investments.
As well as the obligation to ensure regular monitoring of the investments or investments of these clients
This is why he must be perfectly informed of market news and tax developments.
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