Balmont Conseil
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      • Comprehensive wealth audit
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Balmont Conseil
  • Savings
    • Contract X-ray
    • Wealth review
    • French assurance-vie
    • Luxembourg assurance-vie
    • Capitalisation contract
    • Luxembourg capitalization
    • Individual PER
    • Madelin PER (self-employed)
    • Company PER
    • PERCO / PERECO
    • PERCOI
    • PEI (inter-company)
    • PEE (employee savings plan)
    • Article 83 (group retirement)
    • Article 82 (supplementary insurance)
    • Article 39 (supplementary pension)
    • PEA
    • PEA-PME
    • Securities account (CTO)
    • PER or assurance-vie?
    • Asset diversification
    • Assurance-vie cost comparison
    • All our solutions
    • Guides: Assurance-vie in France
  • Insurance
    • International protection & health cover
    • Madelin pension plan (self-employed)
    • Madelin health insurance top-up
    • Insurance investments
    • Guides: Luxembourg assurance-vie
    • Guides: Assurance-vie in France
  • Tax reduction
    • Income tax optimisation
    • SCPI
    • Furnished rental (LMNP)
    • Jeanbrun Device (LLI)
    • Malraux land deficit
    • Historic monuments
    • Industrial Girardin
    • SOFICA
    • IR-PME and private equity
    • FIP
    • FIP Corsica
    • FIP Overseas
    • FCPI
    • Forestry Land Group (GFF)
    • SCPI under split of ownership
    • Real estate private debt
    • Wealth real estate investment
    • Tax optimization simulator
    • All our simulators
  • Expatriation
    • Tax residence
    • Expatriation guide

      Life events

      • Taxation of non-residents
      • Exit tax calculation and strategy
      • Moving abroad
      • Retirement for expatriates
      • Tax optimisation when moving to France

      Destinations

      • UAE
      • Switzerland
      • United Kingdom
      • Asia
      • France

      Wealth management

      Cross-border wealth planning

      Before / after leaving

      International structuring

      Management & advice
    • Destinations (42 countries)
    • International structuring
    • Cross-border wealth planning
    • Moving abroad
    • Calculation of exit tax
    • International divorce
    • International retirement
    • Expatriate tax regime
    • Moving to France
    • Investing in France from abroad
    • Middle East
    • Tax expatriation of the executive 2027
    • Leaving France: The architect of departure
    • Guides: Living Abroad
    • Guides: Leaving France
    • Tax treaties by country
  • Leaders
    • Dutreil pact
    • Family holding company
    • Company directors
    • Senior executives
    • Self-employed professionals
    • Retirement for business owners
    • Investing through a company subject to corporation tax
    • Retirement indemnities
    • Private wealth management
    • Wealth review
    • Annual wealth monitoring
    • Split of ownership (bare ownership / usufruct)
    • Complex estates
    • Estate planning
    • Disadvantages of the Dutreil pact
    • Lombard loans and financing
    • Investment loan
    • Interest-only loan
    • Fixed-rate mortgage
    • Capped variable rate loan
    • Wealth transfer & inheritance

      Wealth transfer & inheritance

      • Split of ownership (bare ownership / usufruct)
      • Complex estates
      • Wealth transfer tools
      • Estate planning
      • Dutreil pact
    • Wealth structuring

      Wealth structuring

      • Comprehensive wealth audit
      • Tax review
      • Long-term wealth strategy
      • Annual wealth monitoring
      • Real estate private debt
      • Income tax optimisation
      • Family holding company
      • Investing through a company subject to corporation tax
      • Rental property investment
      • Private wealth management

      Planning by profession

      • Business owners
      • Retirement for business owners
      • Self-employed professionals
      • Executives
    • Guides: sale, holding company, Dutreil
  • Resources
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    • All our simulators
    • Assurance-vie cost comparison
    • Wealth case studies
    • Study: Corporate cash flow
    • Study: Contribution-sale (150-0 B ter)
    • Expat FAQs
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    • The wealth application
    • Sitemap
    • All the guides
  • About
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    • Your wealth adviser in Lyon
    • The role of a wealth management advisor
    • Wealth management
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Cookie Policy (EU)

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This Cookie Policy was last updated on 25 July 2026 and applies to citizens and legal permanent residents of the European Economic Area and Switzerland.

1. Introduction

Our website, https://balmontconseil.com/en (hereinafter: «the website») uses cookies and other related technologies (for convenience all technologies are referred to as «cookies»). Cookies are also placed by third parties we have engaged. In the document below we inform you about the use of cookies on our website.

2. What are cookies?

A cookie is a small simple file that is sent along with pages of this website and stored by your browser on the hard drive of your computer or another device. The information stored therein may be returned to our servers or to the servers of the relevant third parties during a subsequent visit.

3. What are scripts?

A script is a piece of program code that is used to make our website function properly and interactively. This code is executed on our server or on your device.

4. What is a web beacon?

A web beacon (or a pixel tag) is a small, invisible piece of text or image on a website that is used to monitor traffic on a website. In order to do this, various data about you is stored using web beacons.

5. Cookies

5.1 Technical or functional cookies

Some cookies ensure that certain parts of the website work properly and that your user preferences remain known. By placing functional cookies, we make it easier for you to visit our website. This way, you do not need to repeatedly enter the same information when visiting our website and, for example, the items remain in your shopping cart until you have paid. We may place these cookies without your consent.

5.2 Statistics cookies

We use statistical cookies to optimize the website experience for our users. With these statistical cookies we get insights into the usage of our website. We ask your permission to place statistical cookies.

6. Placed cookies

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7. Consent

When you visit our website for the first time, we will show you a pop-up with an explanation about cookies. As soon as you click on «Save preferences», you consent to us using the categories of cookies and plug-ins you selected in the pop-up, as described in this Cookie Policy. You can disable the use of cookies via your browser, but please note that our website may no longer work properly.

7.1 Manage your consent settings

You have loaded the Cookie Policy without javascript support. On AMP, you can use the manage consent button on the bottom of the page.

8. Enabling/disabling and deleting cookies

You can use your internet browser to automatically or manually delete cookies. You can also specify that certain cookies may not be placed. Another option is to change the settings of your internet browser so that you receive a message each time a cookie is placed. For more information about these options, please refer to the instructions in the Help section of your browser.

Please note that our website may not work properly if all cookies are disabled. If you do delete the cookies in your browser, they will be placed again after your consent when you visit our website again.

9. Your rights with respect to personal data

You have the following rights with respect to your personal data:

  • You have the right to know why your personal data is needed, what will happen to it, and how long it will be retained for.
  • Right of access: You have the right to access your personal data that is known to us.
  • Right to rectification: you have the right to supplement, correct, have deleted or blocked your personal data whenever you wish.
  • If you give us your consent to process your data, you have the right to revoke that consent and to have your personal data deleted.
  • Right to transfer your data: you have the right to request all your personal data from the controller and transfer it in its entirety to another controller.
  • Right to object: you may object to the processing of your data. We comply with this, unless there are justified grounds for processing.

To exercise these rights, please contact us. Please refer to the contact details at the bottom of this Cookie Policy. If you have a complaint about how we handle your data, we would like to hear from you, but you also have the right to submit a complaint to the supervisory authority (the Data Protection Authority).

10. Contact details

For questions and/or comments about our Cookie Policy and this statement, please contact us by using the following contact details:

Balmont Conseil
80 Rue Docteur Edmond Locard
Building C2

France
Website: https://balmontconseil.com/en
E-mail: contact@ex.combalmontconseil.com
Phone number: 0601773296

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About

Trust Balmont Conseil. As a member firm of ANACOFI, an association approved by the AMF, we defend your interests through an open architecture with no ties to any bank. Whether it's asset management from Lyon or international wealth and estate planning, Alexis Sagnier has been by your side since 2013: savings, insurance, tax and wealth transfer.

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    • Company PER
    • PERCO / PERECO
    • PERCOI
    • PEI (inter-company)
    • PEE (employee savings plan)
    • Article 83 (group retirement)
    • Article 82 (supplementary insurance)
    • Article 39 (supplementary pension)
    • PEA
    • PEA-PME
    • Securities account (CTO)
    • PER or assurance-vie?
    • Asset diversification
    • Assurance-vie cost comparison
    • All our solutions
    • Guides: Assurance-vie in France
  • Insurance
    • International protection & health cover
    • Madelin pension plan (self-employed)
    • Madelin health insurance top-up
    • Insurance investments
    • Guides: Luxembourg assurance-vie
    • Guides: Assurance-vie in France
  • Tax reduction
    • Income tax optimisation
    • SCPI
    • Furnished rental (LMNP)
    • Jeanbrun Device (LLI)
    • Malraux land deficit
    • Historic monuments
    • Industrial Girardin
    • SOFICA
    • IR-PME and private equity
    • FIP
    • FIP Corsica
    • FIP Overseas
    • FCPI
    • Forestry Land Group (GFF)
    • SCPI under split of ownership
    • Real estate private debt
    • Wealth real estate investment
    • Tax optimization simulator
    • All our simulators
  • Expatriation
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    • Expatriation guide
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    • International structuring
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    • Tax expatriation of the executive 2027
    • Leaving France: The architect of departure
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  • Leaders
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    • Family holding company
    • Company directors
    • Senior executives
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    • Retirement for business owners
    • Investing through a company subject to corporation tax
    • Retirement indemnities
    • Private wealth management
    • Wealth review
    • Annual wealth monitoring
    • Split of ownership (bare ownership / usufruct)
    • Complex estates
    • Estate planning
    • Disadvantages of the Dutreil pact
    • Lombard loans and financing
    • Investment loan
    • Interest-only loan
    • Fixed-rate mortgage
    • Capped variable rate loan
    • Wealth transfer & inheritance
    • Wealth structuring
    • Guides: sale, holding company, Dutreil
  • Resources
    • Blog
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    • Study: Corporate cash flow
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Contact

BALMONT CONSEIL

80 rue Docteur Edmond Locard 69005 Lyon

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Balmont Conseil
Wealth management and insurance advisory firm

Why trust Balmont Conseil?
Wealth is a living architecture; we are its guardians and strategists. Specialists in the field for many years, we ensure rigorous management of your cases, drawing on proven expertise and in-depth market knowledge.

Regulated expertise: Balmont Conseil is a Financial Investment Advisory firm (CIF), a member of ANACOFI (National Association of Financial Advisors), and approved by the French Financial Markets Authority (AMF). We are registered with ORIAS under number 13003497 and are subject to the profession's code of ethics.

Open Architecture: Unlike banking networks, we have no capital ties with financial institutions. This open architecture allows us to select, from among 23 partner insurers and asset managers, the solutions best suited to your situation (Luxembourg assurance-vie, private equity, real estate).

Quantified wealth structuring: each recommendation is written, justified by your situation and quantified in euros (tax, fees, wealth transfer), from exit tax to contribution and sale (Article 150-0 B ter of the French Tax Code).

Rooted in Lyon, international reach: based in Lyon, our firm advises families, business owners and expatriates in many countries. We master the specifics of bilateral tax treaties to offer close, personal advice, whatever your time zone.

Legal information & compliance
Company: Balmont Conseil SASU with a capital of €450, RCS Lyon 790 249 452.
Status: financial investment adviser (CIF) and insurance broker, ORIAS no. 13003497.
Regulators: supervised by the AMF and the ACPR.
Guarantee: professional indemnity insurance and financial guarantee in accordance with the Monetary and Financial Code.

Copyright © 2026 BALMONT Conseil - Wealth management advice - All rights reserved.

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Balmont Conseil
  • Navigation
  • Resources
  • Savings
    • Contract X-ray
    • French assurance-vie
    • Luxembourg assurance-vie
    • Capitalisation contract
    • Luxembourg capitalization
    • Individual PER
    • Madelin PER (self-employed)
    • Company PER
    • PERCO / PERECO
    • PERCOI
    • PEI (inter-company)
    • PEE (employee savings plan)
    • Article 83 (group retirement)
    • Article 82 (supplementary insurance)
    • Article 39 (supplementary pension)
    • PEA
    • PEA-PME
    • Securities account (CTO)
    • PER or assurance-vie?
    • Asset diversification
    • Assurance-vie cost comparison
    • All our solutions
  • Guides
    • Living abroad
    • Leaving France
    • Tax treaties
    • Luxembourg assurance-vie
    • Assurance-vie in France
    • Leadership and succession
  • Insurance
    • International protection & health cover
    • Madelin pension plan (self-employed)
    • Madelin health insurance top-up
    • Insurance investments
  • Tax reduction
    • Income tax optimisation
    • SCPI
    • Furnished rental (LMNP)
    • Jeanbrun Device (LLI)
    • Malraux land deficit
    • Historic monuments
    • Industrial Girardin
    • SOFICA
    • IR-PME and private equity
    • FIP
    • FIP Corsica
    • FIP Overseas
    • FCPI
    • Forestry Land Group (GFF)
    • SCPI under split of ownership
    • Real estate private debt
    • Wealth real estate investment
    • Tax optimization simulator
    • All our simulators
  • Expatriation
    • Tax residence
    • Expatriation guide
    • Destinations (42 countries)
    • International structuring
    • Cross-border wealth planning
    • Moving abroad
    • Calculation of exit tax
    • International divorce
    • International retirement
    • Expatriate tax regime
    • Moving to France
    • Investing in France from abroad
    • Middle East
    • Tax expatriation of the executive 2027
    • Leaving France: The architect of departure
  • Business owners & succession
    • Dutreil pact
    • Family holding company
    • Company directors
    • Senior executives
    • Self-employed professionals
    • Retirement for business owners
    • Investing through a company subject to corporation tax
    • Retirement indemnities
    • Private wealth management
    • Wealth review
    • Annual wealth monitoring
    • Split of ownership (bare ownership / usufruct)
    • Complex estates
    • Estate planning
    • Lombard loans and financing
    • Investment loan
    • Interest-only loan
    • Fixed-rate mortgage
    • Capped variable rate loan
    • Wealth transfer & inheritance
    • Wealth structuring
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