Wealth management consulting firm in Lyon since 2013
Why entrust your strategy ?
Founded by Alexis Sagnier, Balmont Conseil is a wealth management firm based in Lyon, operating worldwide to support executives and expatriates. By acting as a true "« conductor »"of your assets, we favour an open architecture, without any bank capital ties.
Our mission is clear: to transform ultra-complex tax and legal issues into concrete opportunities, in order to optimize your return. net-net and to build a resilient wealth management strategy, capable of adapting to your international ambitions.
Comprehensive management of your assets
We intervene as a true conductor of your assets. Thanks to an open architecture, we guarantee you an open architecture, without any bank capital ties.
Unlike traditional banking networks, our firm BALMONT does not sell any products. We select the best solutions on the market to meet your performance and risk management objectives.
Selected solutions, not solutions for sale.
Our pillars expertise
At Balmont Conseil, we believe in the "enhanced wealth management advisor." We integrate the«Artificial intelligence to perform ultra-precise diagnoses and process massive amounts of complex data in record time.
Expatriation & International Mobility
Executive Engineering & Liberals
Selective Investment Products and Solutions
Asset transfer & succession
Years of experience
Advised / accompanied
International Expertise
Our solutions
THE best of humans and AI
AI-enhanced investment advice
Why is traditional management no longer sufficient?
From passive management to augmented piloting
Balmont's Eye: Augmented Advisory
AI Analysis of your situation
How can I help you?
Our solutions
Process unfolds in 3 steps
AI-powered audit + data collection
information
Quantified strategy
+ arbitrations
Annual monitoring
+ adjustments
Ready to structure Your future?
Your assets deserve expertise that matches your ambitions.
Whether you are in Lyon or on the other side of the world, Alexis Sagnier and the Balmont Conseil team are ready to listen to you.
Stéphane
Situation
French property income heavily taxed (Tax + 17.2% social security contributions).
Issue
French property income heavily taxed (Tax + 17.2% social security contributions).
Strategy
Arbitrage towards European SCPIs (Germany/Spain) to neutralize CSG/CRDS thanks to tax treaties.
Result
Immediate increase in cash flow of +25% compared to a direct real estate investment in France.
Isabelle
International family management and implementation of processes.
Situation
Risk of account freezes and high inheritance taxes.
Issue
Risk of account freezes and high inheritance taxes.
Strategy
Drafting an International Will + Division of Ownership of the Main Residence.
Result
Reduced inheritance tax of 60%. Secure and worry-free transfer for the surviving spouse
Thomas
Real estate structuring and neutralization of French property tax.
Situation
Taxation of 30% (Flat Tax) reducing the capital by €1.2 million upon sale.
Issue
Taxation of 30% (Flat Tax) reducing the capital by €1.2 million upon sale.
Strategy
Setting up a Holding (150-0 B ter) before sale + Reinvestment of 60% in a pool of Private Equity and managed real estate.
Result
100% of the capital retained for reinvestment. Creation of an immediate annuity without active management.
They make us trust : from Lyon to Singapore
- Certified Expertise
- Open Architecture
- Augmented Advice
- Global Influence
Based in the heart of Lyon, Balmont Conseil combines a local presence with an international reach. Founded in 2013 by Alexis Sagnier, our firm is a trusted institution, accredited as a CIF (Financial Investment Advisor) and a member of ANACOFI (National Association of Financial Advisors).
We support Lyon-based families and business leaders with the responsiveness of a trusted partner and the reach of a global expert. This dual identity allows us to understand your local challenges (business transfers in Lyon, regional real estate) while securing your assets in over 15 countries.
Alexis Sagnier
With over 17 years of expertise in financial engineering, Alexis Sagnier assists executives and expatriates in securing their cross-border challenges.
Founder of Balmont Conseil in 2013, he designed a rigorous methodology — Augmented Consulting — which merges high human tax expertise with the analytical power of AI.
Its objective: to transform regulatory complexity into a fluid, agile and optimized investment ecosystem.
The guides & resources BALMONT
Our goal We provide you with clear, reliable, and educational information to transform technical complexity into informed decisions. Explore our content to deepen your knowledge, anticipate changes, and better manage your wealth management strategy.
August 26, 2026
In summary… Since January 1, 2015, there is no longer a treaty between France and Switzerland regarding inheritance. France denounced the 1953 treaty. Almost no one […]
August 25, 2026
In summary… At the very bottom of your tax notice, there is a box entitled «retirement savings limit». It indicates, in euros, what you can still contribute to a PER (retirement savings plan). […]
August 20, 2026
In summary… We work in partnership on international matters that you don't wish to handle alone: tax residency, bilateral agreements, exit tax, inheritance without a prenuptial agreement, assurance-vie and health insurance […]
August 12, 2026
In summary… A family leaving France, except in the case of a secondment, loses its affiliation with the French social security system — and with it its supplementary insurance, the coverage of which stops at the borders. […]
June 23, 2026
In summary… The Dutreil Pact (article 787 B of the French General Tax Code) allows for the exemption of 75% of the value of shares in an operating company transferred by gift or inheritance, subject to certain conditions. […]
June 22, 2026
In summary… The 2027 presidential elections are coming! The French presidential election of May 2027 presents a measurable risk to assets, regardless of any ideological considerations. Three main scenarios structure the analysis, based on the candidates' platforms. […]
June 22, 2026
In summary… The Beckham Law (special regime for workers relocated to Spanish territory, Article 93 of the Spanish Income Tax Law LIRPF) offers workers and managers transferring their […]
June 22, 2026
The United Arab Emirates offers one of the most attractive tax regimes in the world for individual tax residents: zero income tax, zero dividend tax, zero taxation […]
May 22, 2026
Discover how custody and property rights impact your finances during a divorce. Protect your interests and get informed now!
THE answers from your Balmont Conseil experts
Ready to structure your future?
Your assets deserve expertise that matches your ambitions.
Alexis Sagnier
With over 17 years of expertise in financial engineering, Alexis Sagnier assists executives and expatriates in securing their cross-border challenges.
