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The firm
An advisor who calculates, compares and coordinates. Since 2013, in Lyon.
Balmont Conseil is a wealth management consulting firm founded by Alexis Sagnier. We support executives, professionals, and families living between France and abroad: savings, insurance, taxation, and inheritance planning.
of assets advised and supported by the firm.
partner companies and management companies.
States and territories linked to France by a tax treaty. We also provide support outside of such treaties.
What we do
Four subjects, one point of contact.
Your fees, in euros
Contract fees, support fees, custody fees: the annual statement gives rates, we give the invoice.
Your tax
PER, assurance-vie, land deficit, holding company: we choose the order and the pace.
Your estate planning
We assemble the tools and coordinate the notary, lawyer and accountant for your case.
The tools
- Assurance-vie
- Gift of bare ownership
- Dutreil pact
Your professionals
- Notary
- Lawyer
- Chartered Accountant
Your departure abroad
We check everything before departure, when the trade-offs are still the least expensive.
- Tax treaty
- Exit tax
- Position of each insurer in the country of arrival
The founder
“The rigour of a quantitative hedge fund.
The know-how and discretion of a private bank.”
Alexis Sagnier
Alexis Sagnier
Financial and real estate investment adviser
Insurance broker, AMF-certified
Balmont Conseil, Lyon
Working languagesFrench · English
Alexis Sagnier brings his clients what he learned in two internationally renowned houses: a full diagnosis before any decision, an allocation built for the long term, and discretion as a rule.
He always starts from the whole picture: the company, the family, taxation, retirement, succession. The flows between the business and the household are traced, the risks identified, the horizon set. Only then come the investment vehicles, compared across the whole market, in France as in Luxembourg.
For wealthy families and multinational companies, the structure is built upfront: matrimonial regime, tax residence, applicable tax treaty, fate of the holding company, succession. It is carried out with his network of international notaries, lawyers and accountants. Alexis Sagnier remains the single point of contact, from the first analysis to the annual review.
He knew both houses from the inside: Capital Fund Management in Paris, a systematic quantitative trading fund, then Lombard Odier in Geneva, a private bank. He founded Balmont Conseil in Lyon in 2013.
years, the same firm and the same point of contact, since January 2013.
What we bring
- 01Knowledge of financial marketsFrom asset allocation to the selection of investment vehicles, compared across the whole market.
- 02International wealth engineering expertiseMatrimonial, wealth, tax and succession engineering, for wealthy families and multinational companies.
- 03A complete overall diagnosisCompany, family, taxation, retirement, succession, on a single map.
- 04A first-rate networkTop-tier providers, notaries, lawyers and international accountants.
Why they stay
- 01A single point of contactThe same one, year after year.
- 02Everything shown before signingCosts and remuneration, with no surprises.
- 03A reply within 48 hoursEvery request, every file.
- 04An annual reviewThe strategy is reviewed with you, not left in a drawer.
Our method
From the initial call to annual follow-up.
A ten-minute call
To understand your situation, and if we can be of assistance, we will schedule a meeting. Please bring your latest contract statements and tax assessment notice.
The encryption
What your contracts cost you, what you pay in taxes, what your heirs would pay. Three figures, before any recommendation.
The written recommendation
Each recommendation is written and justified by your situation (Article L. 541-8-1 of the Monetary and Financial Code, Article L. 521-4 of the Insurance Code). You decide.
Annual monitoring
The annual assessment is free.
The framework
What you can check.
- Financial investment adviser (CIF)
- Member of ANACOFI-CIF, an association approved by the AMF (article L. 541-1 of the Monetary and Financial Code)
- Insurance broker
- Article L. 511-1 of the Insurance Code, under the supervision of the ACPR
- ORIAS registration
- 13003497, public register, on orias.fr
- Property transactions
- Professional licence (T card) no. CPI69012018000029693 (Hoguet Act of 2 January 1970)
- Company
- Balmont Conseil, RCS Lyon 790 249 452, 80 rue Docteur Edmond Locard, 69005 Lyon
Before any advice is given, you will receive the onboarding document: our statutes, our partners, our remuneration. Professional liability insurance is in place.
Our remuneration
Disclosed before anything is signed.
- Summary in your account
- Fixed price, announced before any commitment
- Customized mission
- Fees: €500 including VAT per hour, as set out in the engagement letter
- Contract taken out through us
- Commission paid by the insurer; its amount is specified in the documents provided before any signature.
- Annual follow-up review
- Free
To go further
The firm, in detail.
Frequently asked questions
What we are being asked to do.
Where can we meet?
At the office, 80 rue Docteur Edmond Locard, 69005 Lyon, or via videoconference: this is how we support families living abroad.
Do you work with only one insurer?
No. We work with 23 partner companies and asset management firms—Generali, Swiss Life, Vitis Life, AXA Thema, Baloise, Intencial, Abeille, UAF Life, and others—and Balmont Conseil has no financial ties to any bank or insurer. The contract chosen is the one that best suits your situation.
How are you paid?
Each application review has a fixed price, announced before any commitment; a customized review is billed at €500 including VAT per hour, per engagement letter. For contracts taken out through us, the insurer pays us a commission, the amount of which is specified in the documents provided before any signature (Article L. 541-8-1 of the French Monetary and Financial Code). The annual review is free.
Can you continue to manage my contracts if I move abroad?
Yes, it's a significant part of our business. The contracts remain open; what changes are the rules of the destination country and the position of each insurer—some refuse payments from certain countries. We verify these points before departure, regardless of the country, whether or not it has a tax treaty with France.
What is the purpose of the Balmont Wealth OS application?
You upload your contract statements: it works out in euros what each one costs you per year, where the annual statement only gives rates (Article L. 132-22 of the Insurance Code). Your documents and our calculations stay there, visible to your adviser.
Your contracts already exist. Let's see what they cost you.
Complete catalog
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Every product, every simulator and every guide with direct access.
