«Alexis, I feel like I’m navigating blindly. I have real estate, assurance-vie policies opened ten years ago, a holding company that’s starting to build capital… but how does it all fit together if I decide to sell my company or move abroad?»
I hear this question at every first meeting. Many clients own high-performing assets, but few benefit from a genuine comprehensive wealth approach. At the house of Balmont Conseil, We believe that wealth is not simply an accumulation of financial or real estate products; it is a living organism that requires an overall plan.
L'’comprehensive wealth audit is the cornerstone of our "AI-Augmented Advisor" method. It's neither a quick diagnosis nor a simple simulation: it's a strategic support high-precision that transforms your assets into a coherent system serving your life plans.
At the house of Balmont Conseil, We don't see your wealth audit as a mere administrative formality. We treat it as a concrete optimization of your assets and high precision.
As a wealth management consulting expert, assisted by a wealth AI, my mission is to take stock of your wealth and taxation, and to evaluate assets and liabilities through an in-depth study and propose the best tax optimization solutions.
What is a comprehensive wealth audit?
The comprehensive wealth audit (often called 360° wealth assessment) is a comprehensive and cross-cutting study of your situation. Unlike a simple "product" approach, the audit analyzes the interaction between your different spheres: civil, fiscal, economic and social.
The Balmont Consulting Methodology: The 5 steps of your strategy
A thorough audit cannot be improvised. To transform an inventory of assets into a life strategy, we follow a rigorous five-phase protocol.
Data Collection and Discovery (Data Catching)
This step forms the basis of our collaboration. We collect all the documents for your case: notarial deeds, worldwide bank statements, tax assessments and company statutes.
Beyond the numbers, this is a time for profound reflecting on your life plans : retirement, expatriation, child protection or philanthropy. We listen to what the numbers don't tell us.
Comprehensive Valuation of Assets and Liabilities
We create a snapshot of your assets at a specific point in time. This includes the precise valuation of real estate (residential and rental), analysis and evaluation of real estate rents, but also technical examination of assurance-vie products, employee savings solutions and your liabilities (debt, rates, guarantees).
We measure the liquidity and strength of each line.
The Diagnosis (Gap Analysis)
This is the critical phase where we compare the current situation with your objectives. We identify the inconsistencies and latent risks.
Is your assurance-vie policy compliant with the latest tax regulations? Is your real estate holding structure a ticking time bomb in the face of the French wealth tax (IFI)? We highlight the "leaks" in returns and the legal vulnerabilities.
Co-creating Wealth Management Strategies
Engineering takes on its full meaning here. We are developing several tax and financial simulation scenarios (projections over 10, 15 or 20 years).
This is not an imposed solution, but a co-creation process: we adjust the parameters between safety, performance and transmission until we find the balance that suits you.
Delivery and Long-Term Tracking
We will provide you with a detailed written report, a true roadmap (mission statement). But the audit is only a starting point.
French regulations and global markets are constantly evolving; a regular monitoring of assets is essential to recalibrate your strategy in the face of legislative changes or developments within your family unit.
Objectives and Benefits: Why put your assets through the "Stress Test"?
Wealth that is not audited is wealth that is subject to its environment. Conduct an audit, It's about giving yourself a 360° view to transform your assets into a resilient strategy.
A multidimensional analysis: the pillars examined
The comprehensive wealth audit leaves no stone unturned. It is the interaction between these four pillars that creates a resilient strategy.
How much does a comprehensive wealth audit cost?
A true advisory audit is a service remunerated by fees. Unlike a bank, which earns money by selling a product, a wealth management firm charges for its time and expertise.
The cost varies depending on the complexity of the case (presence of business assets, holding company structures, complex real estate or international issues (Europe (France, United Kingdom...), Middle East (Qatar, Jordan...), Asia (Hong Kong, (Vietnam...), ). At Balmont Conseil, we advocate complete transparency: the quote is established immediately after the initial consultation. Consider this audit not as a cost, but as an investment: the gains generated by structuring the transfer of assets or the tax savings almost always far exceed the fees.
How to choose the right professional?
Entrusting the management of your assets is a decision based on trust, but it must above all be grounded in objective criteria and strict regulatory guarantees. For your wealth management consultation, demand these three pillars.
Independence and the Council in Open Architecture
An advisor shouldn't be just a distributor of banking products. Make sure they work in open architecture, that is to say, he has the freedom to select the best funds and instruments on the market without any capital link with the issuers.
The guarantee: Check membership in a professional association approved by the AMF, such as the'ANACOFI. This guarantees rigorous compliance and advice delivered solely in your best interest.
Technology: The AI-Augmented Advisor
In the data age, intuition is no longer enough. A modern firm uses the power of...'artificial intelligence to increase its responsiveness and precision.
Added value: AI makes it possible to analyze thousands of scenarios tax simulation and financial in record time. It offers superior analytical depth to detect opportunities or assess associated risks that traditional methods might miss. At Balmont, technology serves people to deliver highly accurate advice.
Multidisciplinary Expertise and Interprofessionalism
Wealth management is an ecosystem where law, finance, and taxation intertwine. Your advisor must act as a conductor.
The collaboration: He must be able to communicate on equal footing with your usual advisors (notary, accountant, tax lawyer). This interprofessional collaboration is crucial to ensure that your financial strategy is never disconnected from the legal and accounting realities of your household or business.
FAQ Your questions about wealth audits
Take a step back and look at your financial situation.
Wealth is architecture, and we are its guardians. Don't let chance or regulatory obsolescence dictate your financial future.’comprehensive wealth audit is the ultimate tool to transform your asset management into a lever for peace of mind.
Your assets deserve a tailored strategy.
Schedule an appointment for your personalized wealth audit with Alexis Sagnier.
Alexis Sagnier
With over 17 years of expertise in financial engineering, Alexis Sagnier assists executives and expatriates in securing their cross-border challenges.
Sources & References
- General Tax Code (CGI) : Article 155 B.
- Official Bulletin of Public Finances (BOFiP) : Impatriate regime (BOI-RSA-GEO-40).
- 2025 Finance Law Analysis of recent developments.
- Case law on impatriation : Decisions of the Council of State on reference remuneration.
- ANACOFI Member Booklet : Standards for consulting in wealth engineering.
Topics covered in this presentation:
- Asset analysis And financial situation report.
- Tax optimization And tax optimization strategies.
- Estate planning And transmission arrangements.
- Real estate investment audit And Liability valuation.
- Expertise in wealth management And audit methodology.
