Recently, I advised a Lyon-based business owner who was preparing to sell his company. His "Premier" banker suggested he invest the proceeds of the sale in their own underperforming funds.
Upon analyzing his file, I noted a a body of evidence criticisms: no anticipation of the tax deferral (150-0 B ter) and a assurance-vie beneficiary clause written 15 years ago, totally disconnected from his current family situation.
This is where retail banking ends and the private management. This is not a luxury, it is a technical necessity for anyone wishing to protect their capital against tax erosion and inheritance risks.
There private management is a high-end wealth engineering service dedicated to individuals with significant assets (generally starting at €250,000). Unlike traditional bank management, it is based on a comprehensive wealth audit and privileged access to so-called "institutional" investment vehicles (Private Equity, split ownership real estate, Luxembourg assurance-vie). In 2026, the challenge is no longer just performance, but the legal resilience of your structure in the face of tax instability.
What is private real estate management and who is it for?
Private wealth management is the art of orchestrating all your assets—financial, real estate, and business—to serve a specific life objective. It is designed for individuals for whom standardized management becomes a risk.
Why choose a independent firm rather than a private bank?
Independence is the cornerstone of trust. A private bank, however prestigious, often remains captive to its "in-house" products.
An independent wealth management firm (CGPI) works for you, not for a brand. We select solutions based on a single criterion: mathematical efficiency. At Balmont Conseil, we combine this independence with the power of AI to perform stress tests on your contracts and simulate your future standard of living under different economic scenarios.
Comparison: Traditional banking vs. private real estate management
Service | Retail Banking | Balmont Private Wealth Management |
Customer relations | Standardized / High Turnover | Long-term partnership with Alexis Sagnier |
Legal Engineering | Limited to simple cases | Specialization (Business Transfer, Expatriation, Succession) |
Architecture | Closed (Group Products) | Open (Global & Institutional Market) |
Technology | Basic | Predictive AI & Algorithmic Auditing |
How do I access our private wealth management services?
The relationship doesn't begin with a subscription, but with an exchange. The process at Balmont Conseil is rigorous:
Towards enhanced private management
In 2026, owning wealth without a strategy is like navigating by sight. Private wealth management is the sextant that allows you to stay on course, regardless of tax storms. My role is to transform this complexity into a solid, liquid, and transferable structure.
Optimization is only effective if it's done calmly. My role is to protect your assets against the changes expected in 2026.
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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.
