Your assets, your contracts,
Your advisor. In the same place.
A tracking app shows you numbers. Balmont Wealth turns them into decisions — with a regulated advisor reviewing, signing, and implementing them.
A tracking app shows you your assets. It doesn't do anything with them.
Consumer aggregators have solved a real problem: seeing all your accounts on one screen. But that's where they stop. No one tells you what to do, no one is authorized to do so, and no one answers when the question becomes specific: this contract, this beneficiary clause, this move abroad, this sale.
Balmont Wealth starts from the same screen and goes all the way: consolidated assets, measured differences, produced balance sheets, quantified recommendations — then a financial investment advisor reviews them, signs them and implements them, with the engagement letter, electronic signature and long-term follow-up.
- Each displayed figure can become an action: appointment, balance sheet, arbitration, subscription.
- The advisor sees what you see, with your agreement recorded and revocable.
- Your contracts taken out through the firm appear with guarantees, dates and documents, without re-entry.
- International situations are treated as follows: residence, conventions, declaration, exit tax.
- Nothing is sold through the application: the regulated product goes through the advisor, under their signature.
Five profiles. An application that already knows their records.
Leader
Remuneration, company treasury, holding company, transfer, contribution-transfer 150-0 B ter. Personal and professional life on the same screen, never confused.
Liberal profession
Madelin, PER, insurance, commercial real estate, business transfer. Assessments based on your figures, not a brochure.
Expatriate family
Tax residency, tax returns by country, exit tax, Luxembourg contracts, multinational retirement. Support provided from Lyon, in French and English.
Retired, passing on
Beneficiary clauses, portion outside the estate, gifts, split of ownership. What would happen to your assets for your loved ones, clearly defined before it's too late.
Colleague, chartered accountant, notary
A client who is going abroad? The firm intervenes in a co-contracting capacity: you keep the relationship, we handle the expatriation.
An app designed like a family office.
All your assets, personal and corporate
Sixteen asset classes — accounts, French and Luxembourg assurance-vie, PER, PEA, SCPI, read-only crypto, real estate, companies — in multiple currencies, consolidated in euros. Your contracts taken out through the firm trace back to twenty-three companies.
Real versus theoretical
The trajectory you are following, compared to the one you had planned. Assumptions by asset class, scenarios, milestones, IFI threshold — annotated and validated by the advisor.
Fourteen reports, signed
Asset management, expatriation, inheritance, business transfer, executive compensation, cash flow, retirement… products within the app, reviewed and signed by an advisor. Engagement letter, payment and signature all in one place.
A flesh-and-blood advisor
Secure messaging, appointments, shared action plan, archived reports. What has been decided is not lost in a written record.
A safe, a signature
Contracts, tax notices, deeds: filed, versioned, logged. Engagement letters and reports signed electronically, the copy returned to the safe.
Designed for international use
Tax residency module, declaration by country, exit tax, French and foreign source income, multinational retirement. Interface in French and English.
Three screens that a tracking app doesn't have.
Fictitious data. The screens are from the application.
Fourteen reports, produced in the application, reviewed and signed by an advisor.
A tracking app doesn't produce an estate plan; it lacks the status and responsibility. Here, each plan starts with what the app already knows about you, is processed by a rules engine and artificial intelligence, and then reviewed and signed by the advisor. The engagement letter, payment, and electronic signature all take place in the same place—and the report remains in your records.
- Price quoted before any commitment
- Guided data collection, nothing to re-enter
- Reviewed and signed, never generated alone
- Archived and versioned restitution
Your contracts, your deeds, your tax notices. Every access logged, every version saved.
«"Can you send me my contract back?" is the question this firm has received most often in twelve months. The safe provides the answer once and for all: documents deposited by you and the firm, signed copies that return automatically, a log of who accessed what and when. A replacement version is archived, never overwritten.
- Filing by you or by the firm
- Electronic signature via SMS code
- Access log available for consultation
- Archived versions, never overwritten
Spouse, children, representative: each member has their own access, with the scope you decide.
An estate is rarely the concern of a single person. The household unites its members, each with their own rights: the spouse to the jointly owned assets, the child to the assurance-vie policy in their name, the accountant with read-only access to the company accounts. Each division of assets is based on a recorded consent, revocable at any time—including by the advisor.
- Roles: holder, member, agent, advisor
- Recorded and revocable sharing consent
- Separate professional perimeter
- Designated beneficiaries tracked contract by contract
Fourteen reports. Produced within the application, signed by an advisor.
Each report follows the same process: guided data collection based on information the application already knows about you, rules engine and artificial intelligence, review and signature by the advisor, and delivery to your online account. A report is a decision-making aid; the regulated advice and subscription process are always formalized by the advisor.
- 01Overall wealth assessmentActual allocation versus target, diversification, liquidity, leverage
- 08Cash management reportCompany surpluses, term deposit, capitalization, SCPI
- 02Expatriation assets assessmentWhat changes initially, what needs to be settled, what needs to be restructured
- 09International real estate balance sheet & debtassets in multiple countries, financing, cross-taxation
- 03Tax residency and repatriation assessmentcriteria of Article 4 B and of the applicable convention
- 10Credit and asset balance sheetsIn short, Lombard, amortizable, guarantees, borrower's insurance
- 04Estate planning & transferdevolution, disposable portion, gifts, split of ownership, outside of inheritance
- 11International assurance-vie and matrimonial plan reviewplan, beneficiary clauses, blended families, coverage
- 05Business sale balance sheetvaluation, timetable, holding company, Dutreil agreement
- 12Retirement assessmentvested rights, PER, purchase of quarters, departure date
- 06Balance sheet 150-0 B ter — contribution-saletax deferral, reinvestment, deadlines
- 13Multinational retirement balance sheetcareers in several countries, coordination of schemes
- 07Executive compensation reviewSalary, dividends, expenses, personal-professional trade-off
- 14Multi-member family office assessmentseveral generations, several entities, one governance
Thirty-five simulators. Linked to your situation, not to random numbers.
A consumer-friendly simulator asks you to re-enter your assets. This one starts with what the application already knows, and the calculation is saved in your account. You can retrieve it later; you don't have to do it again—and your advisor can see it before your appointment.
Savings & Capitalization
8 simulatorsRetirement & employee savings
10 simulatorsTax optimization & investment
10 simulatorsInsurance & Health
2 simulatorsCredit & financing
5 simulatorsBalmont Academy — three levels
Foundations, structuring, optimization and transfer. To understand what the advisor is proposing, and why — before the appointment, not during.
AI Assistant, under control
He answers questions about your assets, explains a projection, and prepares for a meeting. He does not provide any regulated advice or subscribe to anything: that role belongs to the advisor, and it's written in the code.
Designed for French families living abroad — or who will be.
No consumer app addresses leaving France for what it truly is: a tax, estate planning, and documentary event that lasts for years. Balmont Wealth was built from a firm whose clients live in Asia, the Middle East, and Europe.
- Residence: eleven criteria, sixty-one country sheets, stays read on your boarding passes, dated file, keeping of documents until the end of the right of recovery.
- Taxes / Declaration: what you need to declare depending on your country of residence, and our support.
- Exit tax: securities concerned, findings and estimates, documented deferral.
- Dedicated assessments: expatriation, residence & repatriation, multinational retirement, international real estate, international insurance & matrimonial planning.
Three households. What the app has changed.
Typical situations, fictitious data. The result is never a tax amount: it is what the household knows, sees and decides.
Manager, two companies, Lyon
Salary remuneration for the past ten years, surplus cash lying dormant in company accounts.
- Issue
- The staff and the professional had never been considered together. The cash flow was unprofitable; the salary-dividend ratio had not been reviewed since the company's inception.
- Strategy
- Entities created within the application, cash and consolidated company securities with personal assets. Balance sheet, executive compensation and cash management reports, reviewed and signed. Shared action plan.
- Result
- A consolidated view where there were previously three spreadsheets. Two financial statements delivered in ten business days, six action items in the plan, all dated. The meeting was used to make decisions, not to re-enter data.
Family living in Singapore
Three accounts in three currencies, two Luxembourg contracts, an apartment in Paris, a departure from France in 2023 that was never documented.
- Issue
- No one could say what the whole thing was worth, in euros, on any given day. The beneficiary clauses predated the children. The residency file didn't exist.
- Strategy
- Assets seized in their original currency, consolidated in euros. Luxembourg contracts retrieved from the companies. Residence module opened at year N-2; international life and matrimonial property balance sheet for the clauses.
- Result
- A clear net worth statement, three updated beneficiary clauses signed via the app, and a three-year residency log. The advisor sees the same thing as they do, even from 10,000 km away.
Retired couple, inheritance
Four assurance-vie contracts with three companies, a retirement savings plan (PER) that was never liquidated, two children and four grandchildren.
- Issue
- «"What did I sign, and with whom?" The contracts were in four email inboxes. No one knew what each person would receive.
- Strategy
- Contracts retrieved from the companies with their beneficiaries. Inheritance module: portion outside the estate, estimated rights, beneficiaries per contract. Estate planning and transfer statement reviewed and signed. Read access granted to both children.
- Result
- Four contracts in one place, a clear breakdown by beneficiary, a statement that the children can read themselves. No more documents to request from the office.
Named measures, not an adjective.
«"Bank-level security" means nothing. Here's what's in place.
Login
- Two-factor authentication
- Access keys and biometrics (Face ID, Touch ID)
- Emergency codes
- Trusted devices managed by you
- Passwords that have already been compromised will be rejected.
Data
- Encryption in transit and at rest
- Accommodation within the European Union
- Strict compartmentalization by household
- Encrypted, read-only crypto API keys
- Bank details: never requested
Advisor access
- Access granted by you, tracked, revocable
- Log of access to your documents
- Scope by role: member, representative, advisor
- Export your data on request
- No health data, anywhere.
Free account creation. The rest, as previously announced.
No hidden prices, no options activated on your behalf, no subscription possible without an advisor signing.
Your space, no appointment necessary
- Assets: sixteen asset classes, personal and corporate, multi-currency
- Actual vs. theoretical projection, scenarios, IFI threshold
- Document vault, access log, electronic signature
- Your contracts taken out through the firm, along with their guarantees, are included.
- Messaging with the advisor, appointment, action plan
- Thirty-five simulators, academy, AI assistant
- My family: access for spouse, children, and a representative
- Interface in French and English, installation without the App Store
This involves an advisor
- The fourteen financial statements: each with its own price, engagement letter and signature before payment
- The Tax Residency module: initial application, then subscription — details on its page
- Contract subscriptions: always formalized by the advisor, never by the application
- Assistance in case of inspection: per service, price announced in advance
Account creation first, appointment later — if you wish. Nothing will be offered to you until you've seen what's in your space.
A tracking app shows you a number. Then leaves you alone with it.
Mainstream aggregators have a model: to keep you coming back to look at a chart. Ours: you no longer have to ask, and a regulated advisor answers when the question becomes specific. Here's what that changes, line by line.
| Consumer tracking app | Balmont Wealth | |
|---|---|---|
| Consolidated view of your wealth | Yes | Yes — individuals and companies, separated and then consolidated |
| Contracts signed, guarantees, documents | No | Data collected from 23 companies and management firms |
| Advisor identified, reachable in the app | No — self-service, community, support | Messaging, appointments, action plan |
| Financial statements signed by a professional | No | Fourteen reports, reviewed and signed |
| Regulated advice and implementation | No — no status | Financial investment advisor, insurance broker |
| Expatriation, tax residency, agreements | No | Dedicated module, 61 country profiles |
| Transmission, inheritance, beneficiaries | Partial — generic simulation | Estate planning, transfer outside of inheritance |
| Executive compensation, company cash flow | No | Two dedicated reports, professional entities monitored |
| Document vault, electronic signature | No | Access log, version archiving |
| Automatic bank aggregation | Yes | No, by choice — data entry and import of statements |
| Long-term relationship | Subscription | One firm, one consultant, years |
| When you go abroad | A currency setting | Residence module, declaration by country, exit tax, agreements |
| When you sell your company | Nothing | Transfer of Ownership Balance Sheet, Balance Sheet 150-0 B ter, Executive Compensation Balance Sheet, reviewed and signed |
| «"What did I sign in 2022?"» | A search of your emails | The contract, its guarantees, and the signed copy are in your safe. |
| What happens after the graph | One more notification | A meeting, a review, a shared action plan |
No App Store, no Play Store.
Balmont Wealth installs from your browser and then behaves like a native application, including a home screen icon. It also works on computers.
On iPhone and iPad
- 1Open app.balmontconseil.com in Safari.
- 2Tap the Share icon.
- 3Choose "On the home screen".
- 4Tap Add. The Balmont Wealth icon appears.
On Android
- 1Open app.balmontconseil.com in Chrome.
- 2Tap the menu ⋮ or the "Install app" banner.
- 3Select "Install the application".
- 4Confirm. The application installs like a native application.
An application built by a firm, for its clients. Not the other way around.
Balmont Conseil is a financial investment advisor, a member of ANACOFI, and an insurance broker, registered with ORIAS under number 13003497. The firm assists French families residing in some fifteen countries, operating from Lyon. Balmont Wealth was born from these cases: each module was initially used by a real client before being made available to everyone.
What this changes: behind every screen, someone is responsible for what they tell you — and signs it.
Alexis Sagnier
Founder of Balmont Conseil, Lyon. Financial investment advisor. He reviews and signs every financial statement submitted to a client.
A client who is going abroad, or a case that you are not handling?
Our firm operates on a joint basis: you maintain the relationship, while we handle the expatriation, Luxembourg contract, or tax residency. Contact us through your online account.
What we are asked before creating an account.
Do you have to be a client of the firm to create an account?
No. Account creation is free and open. You have access to your assets, vault, simulators, academy, and messaging. Balance sheets and the Residence module can be subscribed to from your account, with the price displayed before any commitment.
Does the app connect to my banks?
No. Bank accounts, savings accounts, and real estate are seized or imported via statements. Listed securities are valued at market price, crypto platforms are synchronized in read-only mode, and contracts taken out through the firm are retrieved directly from the companies. We never ask for your banking credentials.
Who sees my data?
You, the household members to whom you have granted access, and the Balmont Conseil advisor if you have granted them access—all access is tracked and can be revoked at any time. Each household is isolated from the others. Access to your documents is logged.
Does artificial intelligence make decisions?
No. She prepares: filing a document, reading a statement, drafting a balance sheet, answering questions about your assets. All regulated advice, recommendations, and subscriptions are processed by the advisor and require their signature.
I live abroad. Does the app apply to me?
This is its main use. Interface in French and English, reference currency of your choice, Residence module, declaration according to the country of residence, exit tax, expatriation and multinational retirement reports.
Do I need an appointment to get started?
No. The account first, the appointment later, if you wish. Many clients enter their assets, run a simulator, or read a balance sheet before writing to the advisor.
Where is my data hosted?
The application and its database are hosted in the European Union. The documents deposited in the vault are also hosted there.
Can I export or delete my data?
Yes. You can request to export your data from your account, and you can download your documents before closing your account. Deletion follows a documented procedure.
Can my accountant or my spouse have access?
Yes. Your spouse and children join the household with the scope you define; an agent—an accountant, for example—receives read access to the professional scope. Each sharing is based on a recorded and revocable consent.
You no longer need to ask.
Where is my contract? What did I sign? When does it renew? Who am I talking to? Your account answers these questions without you having to ask.
Balmont Conseil — Multi Family Office · Lyon · Member of ANACOFI · France's leading AI-enhanced consulting firm
