Retirement for business executives

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For a business leader, retirement is not simply a cessation of activity: it is the most important M&A transaction of their life. In an increasingly complex business ecosystem, your exit strategy must be orchestrated years in advance.

At Balmont Conseil, we transform your professional assets into structured, optimized and transferable private wealth.

Personalized analysis

Asset engineering: Securing the value of an entire career

The majority of managers focus most of their abilities on the growth of their company, sometimes neglecting the structure of their own real estate assets or their securities. Preparing for retirement is above all about making a surgical trade-off between the tools of work and the private sphere.

Financial and salary asset management

For senior executives and corporate officers, the complexity often stems from the multiplicity of capital sources. We audit your stock options, free share grants, and employee savings plans (PEE, PERCO) to align them with your future liquidity needs. The goal is to transform these volatile elements into a solid foundation for asset protection.

Real estate in the service of retirement

Real estate investment should not be a passive process (business premises). We favor dedicated financial structures (SCIs subject to corporate income tax, holding companies) to house your business premises or acquire income-producing assets, allowing you to decouple your future income from the uncertainties of your former business.

Financial and salary asset management: Professional Wealth Engineering

When considering a sale or transfer of ownership, the company's performance alone is no longer sufficient; the structure of your assets will determine your net worth after tax. Our support is based on three critical pillars:

Arbitrage: Compensation vs. Dividends: Managing Exit Costs

We don't just take an annual accounting approach. We model your fund withdrawal strategy over a 3- to 5-year cycle:

Social Protection : Maintaining an optimal salary level to validate your retirement quarters and your insurance guarantees, while avoiding the additional cost of social security contributions on the higher brackets.

Tax Efficiency : Analysis of the impact of the Flat Tax (30 %) compared to the option for the progressive scale with allowances, according to your family quotient and your other income from movable sources.

Valuation of Excess Cash: From "Cash" to Equity

Leaving cash sitting idle in a current account is a missed opportunity, especially during periods of inflation or volatile interest rates.

Capitalisation Platforms Implementation of capitalization contracts or company securities accounts to boost reserves. The objective is to transform passive cash into a financial lever capable of financing all or part of the repurchase of your shares (OBO - Owner Buy Out).

Preparation for the Holding : We are studying the opportunity of a holding company to house this cash, thus allowing us to benefit from the Parent-Subsidiary regime (exemption of 95 % on dividends raised) and easier reinvestment.

Output Simulation and Transmission Engineering

The exit strategy is often the biggest tax-related event in a business owner's lifetime. We anticipate potential scenarios to avoid unnecessary friction:

Contribution-Transfer (Art. 150-0 B ter) : Analysis of the benefit of contributing your securities to a holding company before the sale in order to benefit from a deferral of capital gains tax, provided that 60 % of the proceeds of the sale are reinvested in an eligible economic activity within 2 years.

Post-Sale Optimization: Simulation of your future income via long-term investment tools (PEA, Life Insurance, SCPI in full ownership or via split of ownership) to guarantee a standard of living identical to that of your period of activity, including social security contributions and the real estate wealth tax (IFI).

Revenue optimization and tax planning

Retirement is a tax shock. Without a tax anticipation Rigorous pressure on the sale or on the first replacement income can reduce your ability to live by 30 % to 40 %.

Insurance and Risk Management The leader's safety net

THE working conditions of managers involve exposure to risk (civil, criminal, financial) that does not always end on retirement day. risk management is at the heart of our approach.

Individual and group insurance

We are checking that your individual insurance covers not only the disability, but also the transition to the retirement planning. For executives with an international career, we analyze your rights with the various pension funds foreigners and mandatory schemes to avoid any disruption of resources.

Protection of personal assets

The separation between professional debts and the protection of personal assets is a priority. We use legal tools (declaration of unseizability, change of matrimonial regime) to ensure that your retirement remains your sanctuary.

Tools of the future: Retirement Savings Plans and AI

The new retirement savings plan (PER) has become the linchpin of the retirement of company executives. As both an immediate tax relief tool and a long-term capital accumulation vehicle, it offers unprecedented flexibility, particularly for expatriates or those returning to France.

Thanks to our AI-powered wealth management technology, we perform real-time calculations of theoretical annuities and capital projections, incorporating inflation and market scenarios to validate the viability of your lifestyle.

Alexis's opinion...

""The leader is often the shoemaker with the worst shoes. By focusing on his employees and his growth, he forgets to build his own exit strategy. My role is to rebalance the scales.""

FAQ Everything you need to know about executive retirement

When is the ideal time to start a retirement strategy?

How is the amount of my future pension calculated?

What succession scenarios should be anticipated upon exit?

Is it possible to liquidate one's employee savings before retirement?

Why choose Balmont Conseil rather than a private bank?

Your success deserves a fitting send-off.

Don't leave the fruit of decades of work to chance. retirement wealth management for business executives It is a discipline that requires anticipation, technique, and a global vision.

Ready to audit your trajectory?

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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