France's leading AI-enhanced consulting firm

Wealth Management for Self-Employed Professionals

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«"Alexis, I dedicate 60 hours a week to my patients/clients, my net income is excellent, but I have no time to manage my investments. Is my pension plan sufficient? How can I transform my current tax situation into income for my future retirement?"»

For a self-employed professional — whether a doctor, lawyer, architect or consultant — wealth is a complex architecture in which the working tool and personal assets are intrinsically linked. Your self-employed status gives you great freedom, but it also requires you to build your own safety nets yourself.

At Balmont Conseil, we act as the engineer of your fortune. As an AI-augmented Wealth Management Adviser (CGP), My mission is to design wealth strategies for you that protect your present while building your financial future.

Personalized analysis

The specific challenges of the liberal profession

Practicing a self-employed profession involves challenges that standard banking solutions cannot resolve on their own. Effective wealth management here must address four major pillars:

Social protection and personal cover

Unlike employees, your social protection depends almost exclusively on your private contracts. Time off work or a disability can have dramatic consequences on your overall financial situation. Auditing your professional personal cover is our absolute priority.

Tax optimization of the BNC/SEL

With tax rates often falling within the higher brackets (30%, 41% or 45%), reducing charges and tax mitigation are not options but necessities to preserve your self-financing capacity.

Preparing for retirement

Tea supplementary retirement scheme for self-employed professionals is often structurally insufficient to maintain your standard of living. Capital accumulation through property and financial assets is the main lever to offset the drop in income when you cease your activity.

Transmission and evaluation of the working tool

Whether you practice in your own name or through a Professional Practice Company (SEL), the question of valuing your client base or your shares is central when it comes to wealth transmission or retirement.

Our tailor-made solutions for the liberals

We do not sell products; we orchestrate bespoke solutions after a comprehensive wealth review.

Investment strategies and asset diversification

  • Property investments: We favor acquiring your professional premises (via an SCI) or investing in a rental property through ownership split of ownership to optimize property taxation.
  • Financial investments: Use of assurance-vie for its flexibility and of the Retirement Savings Plan (PER) to deduct your contributions from your taxable income (successor to the former Madelin contracts).

    Bespoke legal and tax engineering for self-employed professions

    • Conversion to SELARL/SELAS: We assess the opportunity of transforming your practice structure to steer your remuneration and optimize your social security contributions.
    • Holding company (SPFPL): Setting up structures to facilitate the buy-out of shares or the investment of your surplus cash.

    Balmont Consulting Methodology: The steps to successful management

    An investment strategy cannot be improvised.

    At Balmont Conseil, we follow a rigorous protocol, designed to transform your professional income into sustainable and optimized wealth.

    1. Comprehensive Wealth Audit: The diagnostic phase

    Before any recommendation, we carry out a precise X-ray of your current situation. This step is the foundation of our advice:

    • Inventory of assets and liabilities: Analysis of your property, financial investments and debts.
    • Flow analysis: Study of your cash position (remuneration surplus vs expenses) and the structure of your practice.
    • Personal cover audit: Assessment of your cover in the event of a setback (disability, time off work) to secure the family foundation.

    2. Setting Objectives: Your strategic compass

    Every investor has distinct priorities. We rank your needs according to your life cycle:

    • Family protection: Setting up suitable structures (SCI, holding companies) to shelter your loved ones.
    • Tax optimization: Turning tax into capital thanks to common-law levers and specific schemes.
    • Preparing for retirement: Creating immediate or deferred supplementary income.
    • Inheritance planning: Transmission strategies to minimize the impact of inheritance tax.

    3. Architecture of the Solution: Bespoke engineering

    This is where our expertise in "open architecture" comes into its own. We do not sell pre-designed products; we assemble the best building blocks on the market:

    • Strategic property: PINEL+, LMNP, yield SCPI or split of ownership property.
    • Asset diversification: Access to Private Equity to capture the growth of unlisted companies.
    • Financial markets: Managed portfolios within assurance-vie or PEA contracts, with a rigorous selection of SRI or thematic funds.

    4. Monitoring and Arbitration: Agility over time

    The financial and legislative world is in perpetual motion. Our support does not stop at signing:

    • Annual review: A status update to check that the strategy is aligned with your new life projects.
    • Legislative responsiveness: Immediate adjustment of your arrangements in the face of changes to the Finance Laws.
    • Tactical arbitration: Reallocation and structuring of your financial assets according to economic cycles to secure your gains or sixteen new opportunities.

    Common mistakes and opportunities to seize

    By transforming part of your tax burden into property capital, you no longer simply earn money: you build a resilient structure that works for you.

    The classic mistake: Dependence on network solutions

    Focusing exclusively on your profession often leads to delegating your financial strategy by default. The most common mistake is to rely solely on the products offered by your high-street bank. These solutions have several major limitations:

    • Standardization: Mass-market products that do not take into account the tax and legal specifics of your self-employed status.
    • Hidden fees: Layers of management and entry fees that erode the real performance of your investments over the long term.
    • Lack of independence: A bank advisor is often constrained by a product range limited to the interests of their institution.

    The major opportunity: Leveraging debt and taxation

    For a self-employed professional, the true key to growth lies in the intelligent use of your borrowing capacity. Unlike precautionary savings, borrowing lets you build wealth with the bank's money, repaid largely by the income from the asset itself.

    Leverage becomes an exceptional wealth-building engine when it is coupled with strategic tax advantages:

    • LMNP (Non-Professional Furnished Lettings): Thanks to the accounting depreciation mechanism, you generate rental income that is almost tax-free over a very long period.
    • Property Deficit: A powerful solution to wipe out the taxation of your existing property income and reduce your Overall Net Income by financing the renovation of built assets.
    • Diversification into Tangible Assets: Acquiring professional premises or yield property secures your future while creating a welcome disconnection from the volatility of the financial markets.

    FAQ Your questions as self-employed professionals:

    Should I prioritize the PER (Retirement Savings Plan) or assurance-vie?

    How can I protect my family in the event of my premature death?

    Is it profitable to buy my business premises?

    Personalized support for your peace of mind

    Your time is your most precious resource. By entrusting your wealth management to an expert such as Balmont Conseil, you benefit from a comprehensive vision and cutting-edge engineering. We bring your private and professional spheres into harmony so that today's success becomes tomorrow's freedom.

    Ready to secure your financial future?

    Book an appointment for your Initial Wealth Review and discover our solutions dedicated to self-employed professionals.

    Alexis Sagnier

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

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    Sources & References:

    • French General Tax Code (CGI): Article 155 B.
    • Official Bulletin of Public Finances (BOFiP): Inbound assigned regime (BOI-RSA-GEO-40).
    • 2025 Finance Law: Analysis of recent developments.
    • Case law on inbound assignment: Rulings of the Council of State on reference remuneration.
    • ANACOFI Member Handbook: Standards for wealth engineering advice.

    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 here to listen.
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