Wealth management advice · Le Mans, France
Give your wealth a clear direction
Retirement, estate planning, tax: our four advisers help you decide with a clear method, and our fees are set out from the start.
- First 45-minute meeting, free and with no commitment
- At our office or by video call
The firm at a glance
- advisers
- 4
- free first meeting
- 45 min
- written review for every client
- 1
- follow-up meeting at least
- 1 / year
Illustrative figures for a fictitious firm.
Who we help
Advice designed around your situation
Three profiles we work with every day. Not on the list? Let's talk anyway.
Employees preparing for retirement
You are 45 or over and want to know what you will live on once retired.
- Estimate your pension rights and the income gap
- Choose between retirement savings plans, life insurance and property
- Lower your taxes without locking away all your savings
Business owners
Your personal wealth and your company are linked: every decision counts twice.
- Balance salary and dividends
- Protect your family and your business (income protection)
- Prepare the sale or handover of the company
Self-employed professionals
Doctors, lawyers, architects… your income varies and your basic pension is limited.
- Smooth out irregular income
- Build up a supplementary pension
- Structure your business premises (buying the walls, property companies)
Simulator
What could your savings be worth tomorrow?
Adjust the settings: the result updates instantly. Nothing is sent; the calculation runs in your browser.
Projected capital after 15 years
€91,407
- of which your contributions
- €64,000 (70%)
- of which compound interest
- €27,407 (30%)
Show the year-by-year values
| Year | Total contributions | Total interest | Projected capital |
|---|---|---|---|
| 1 | €13,600 | €466 | €14,066 |
| 2 | €17,200 | €1,094 | €18,294 |
| 3 | €20,800 | €1,891 | €22,691 |
| 4 | €24,400 | €2,864 | €27,264 |
| 5 | €28,000 | €4,020 | €32,020 |
| 6 | €31,600 | €5,367 | €36,967 |
| 7 | €35,200 | €6,911 | €42,111 |
| 8 | €38,800 | €8,661 | €47,461 |
| 9 | €42,400 | €10,625 | €53,025 |
| 10 | €46,000 | €12,811 | €58,811 |
| 11 | €49,600 | €15,229 | €64,829 |
| 12 | €53,200 | €17,888 | €71,088 |
| 13 | €56,800 | €20,797 | €77,597 |
| 14 | €60,400 | €23,966 | €84,366 |
| 15 | €64,000 | €27,407 | €91,407 |
Assumptions: constant annual return, before fees, tax and social charges; contributions at the end of each month.
Indicative, non-binding simulation; past performance is not a reliable indicator of future results.
Discuss this plan with an adviserOur method
Four steps, and you stay in control at each one
No product before we understand your situation. Each step ends with a document you keep.
Review
2 to 3 weeks
A free first meeting, then a full review: family, income, assets, plans and attitude to risk.
Strategy
1 meeting
A written report with several costed scenarios, their benefits, risks and costs. You decide.
Implementation
Depends on solutions
We put the chosen solutions in place with you and coordinate with your notary, accountant or lawyer if needed.
Annual follow-up
Every year
At least one meeting a year to adjust the strategy to your life and to changes in the law.
Areas of expertise
Five topics, one overall view
These topics interact: a retirement decision often affects your taxes or your estate.
Retirement
Pension estimates, buying back quarters, retirement savings plans, additional income.
Estate planning
Gifts, life insurance, split ownership, protecting your spouse and children.
Tax
Income tax, French property wealth tax, choosing the right wrappers and the right timing.
Property
Main home, buy-to-let, property companies, business premises and property funds.
Employee savings
Profit-sharing, incentive schemes and company savings plans: make the most of them, as employee or owner.
Fees and transparency
You know what you pay, and to whom
How we are paid is explained in writing before any commitment. The amounts below are fictitious.
- First meeting
- Free
- 45 minutes, at our office or by video call, with no commitment.
- Review and strategy
- From €900 incl. VAT
- A fixed fee agreed in advance according to how complex your situation is, payable whether or not you follow our advice.
- Implementation
- Disclosed upfront
- If you take out a contract through us, the insurer or fund manager may pay us: the amount is given to you in writing before you sign.
- Annual follow-up
- €300 incl. VAT a year
- Free the first year, then cancellable at any time.
Our commitments
- A signed engagement letter before any paid work
- All regulatory documents handed over at the first meeting
- No pressure: you can leave with your review without buying anything
- One dedicated adviser you can reach directly
Fictitious fees and commitments, for demo purposes.
Frequently asked questions
Your questions, our answers
Yes. It lasts 45 minutes, at our office or by video call. It is used to understand your situation and tell you whether we can help. You are not committing to anything.
No. We work with people who are just starting to save as well as business owners preparing a sale. What matters is having a plan.
Your latest tax notice, statements from your savings contracts and, for retirement, your career statement (available on the official info-retraite.fr website). We send you the full list after the first meeting.
Through fees agreed in advance for the review and the follow-up, and sometimes by the insurer or fund manager when you take out a contract through us. Everything is in writing before you sign: see the Fees section.
No. We work with your existing contracts when they suit you. Our role is to help you decide, not to change everything.
No. It is a projection using a constant, hypothetical return, before fees and tax. Markets vary: only a review of your situation can lead to a strategy.
First meeting
Let's take 45 minutes to review your situation
Three steps, under two minutes. The firm will contact you to set a date.