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Executive wealth management: compensation and transfer

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«Alexis, I’ve invested everything in my company for the past 15 years. Today, it’s worth several million, but I have almost nothing saved for myself and I don’t know how I’ll be taxed if I sell tomorrow.»

This situation is a daily reality for the business leaders we support at Balmont Conseil. For a leader, the boundary between professional assets And private property is often porous, creating areas of major legal and tax risk.

As a wealth management expert, assisted by ALTA, the'Augmented Wealth Engineer, My mission is to reconcile your two worlds. Through artificial intelligence and advanced legal and tax expertise, we structure your entrepreneurial success into sustainable and transferable assets.

Personalized analysis

The specific challenges faced by the leader

Unlike an employee, a manager bears multiple risks. personalized wealth management strategy must address complex challenges:

The Business Owner: Managing the Assets of the Workplace

Business leaders operate within an ecosystem where personal and professional assets are closely intertwined. Our approach aims to unravel this complexity:

  • Risk concentration: The bulk of wealth is often tied up in the business's assets. We work on extracting value to build a security portfolio that is decoupled from the company's risks.
  • Social protection for the manager: Self-employed status (TNS or equivalent employee) requires building your own supplementary retirement and insurance coverage. We optimize these benefits through tax-efficient strategies such as the PER (Retirement Savings Plan).
  • The trade-off between salary and dividends: We determine the ideal balance to maximize net income after taxes and social security contributions, including employee savings plans.
  • Regulatory instability: It is crucial to anticipate taxation on the transfer of shares (150-0 B ter) and to organize family transfer via tools such as the Dutreil Pact.

    • AI-enhanced consulting firm in France

    Our services wealth engineering for business leaders

    We are involved in the entire life cycle of your company, from growth to sale.

    Global Asset Audit and Analysis

    It all begins with a study of the matrimonial property regimes and an analysis of your company's articles of association. We carry out a asset audit a 360° review to verify the consistency between your life goals and your current legal structure.

      Compensation and revenue optimization

      We simulate different scenarios to optimize your immediate and future income:

      • Salary/dividend arbitrage.
      • Implementation of employee savings solutions (PEE, PERCO) to withdraw from cash with reduced taxation.
      • Use of Retirement Savings Plan (PER) to reduce income tax while preparing for the future.

        Corporate cash management

        Your surplus cash shouldn't just sit idle. We offer... cash investments via company securities accounts or capitalisation contracts to boost your balance sheet assets while maintaining the liquidity needed for operations.

        Transmission and protection strategies: Anticipating to avoid being affected

        Anticipation is the key for a savvy manager. An unprepared transfer can cost up to 45% of the company's value in transfer taxes.

        The Dutreil Pact: The "Holy Grail" of inheritance

        The Dutreil Pact allows, subject to conditions of a holding commitment, a 75% reduction on the taxable base of the transfer (gift or inheritance). It is an essential tool for ensuring the continuity of the family business.

        The asset holding company and the OBO (Owner Buy Out)

        Creating a holding company allows you to reinvest the profits of your operating company in real estate or financial assets with reduced tax burden (parent-subsidiary regime). A management buyout (MBO), on the other hand, allows you to partially monetize the business while retaining control through a holding company structure, freeing up personal cash while maintaining control. In other words: "selling the company to yourself.".

        Why choose Balmont Conseil's support?

        There wealth management For executives, there is no room for error. Having an expert by your side offers several advantages.

        The benefits of Balmont Conseil support

      • Save time: You focus on your business, we structure the architecture of your assets.
      • Securing the legal framework: Avoiding abuse of rights and the risks of reclassification and abuse of rights.
      • Benefit from a cross-functional perspective: We coordinate your other advisors (accountants, business lawyers, notaries).

        • Case Study: Anticipating a Sale

      • Profile : SME manager, 55 years old, valuation €5M.
      • Problematic : To sell the company in 3 years with minimal tax pressure and a guaranteed retirement income.
      • Balmont Solution : Implementation of a contribution-transfer (Art. 150-0 B ter), gift of the bare ownership of the shares to the children under Dutreil Pact, and reinvestment of the proceeds of the transfer in a portfolio of diversified financial instruments.

        • FAQ Key questions for leaders

        How can I protect my family if my business runs into difficulties?

        What is the best strategy for my retirement?

        When should I start preparing my transfer?

        Your success deserves a tailor-made strategy.

        Your business is the engine of your wealth, but it should not be the only component. A Optimization and enhancement of your financial and real estate assets Successful investments offer you the freedom to choose your future, whether you wish to reinvest, pass on your wealth, or enjoy your retirement.

        Ready to secure your future and that of your business?

        Schedule an appointment for a comprehensive wealth analysis and let's define your path together.

        Alexis Sagnier

        With over 17 years of expertise in financial engineering, Alexis Sagnier assists executives and expatriates in securing their cross-border challenges.

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        Sources & References:

        • CGI: art. 150-0 B ter (contribution-transfer), art. 787 B (Dutreil), art. 62 / 80 ter / 83 (remuneration), art. 154 bis (PER / Madelin)

        • BOFiP: BOI-RPPM-PVBMI-30-10-60, BOI-ENR-DMTG-10-20-40-10

        See

        Ready to structure Your future?

        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.
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