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Behind every fortune lies an ambition, a family, or a lifetime's work. Yet, in an increasingly complex and globalized financial world, traditional advice sometimes seems to be losing ground.

It is from this observation that... was born Balmont Conseil in 2013. Founded by Alexis Sagnier, The firm has set itself a clear mission: to reconcile high legal expertise with a human, transparent and technologically enhanced approach.

At the house of Balmont Conseil, We don't treat your problems as mere formalities. We approach them from the perspective of...'high-precision optimization. With my expertise and ALTA, our AI that serves Augmented Wealth Engineer, My mission is to transform your constraints into levers for growth, while guaranteeing flawless legal and tax security.

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Alexis Sagnier: The "Conductor" of your wealth

An expert in wealth management with an international vision, Alexis Sagnier does not see himself as a simple financial intermediary, but as a solutions architect.
«"A good advisor doesn't just quote the law; they explain its mechanisms and anticipate its loopholes for their clients." - Alexis Sagnier

Drawing on his experience with complex profiles — business leaders, expatriates and high-net-worth individuals — Alexis built Balmont Conseil on the model of absolute independence.

His role is that of a conductor: he coordinates your experts (notaries, tax lawyers, accountants) to ensure that no false note disrupts your overall strategy.

France's #1 AI-enhanced consulting firm

The manifesto of AI-enhanced CGP Why is AI a game changer?

Why did you make Artificial Intelligence a pillar of Balmont Conseil? Because human expertise, however sharp, gains power when assisted by algorithmic precision. At the house of Balmont Conseil, We have chosen not to pit human expertise against technological power. We practice a enhanced wealth management, where Artificial Intelligence becomes the catalyst for your financial strategy.

AI processes the data, we bear the responsibility and the vision.

Mastering Ultra-Complexity in Real Time

The regulatory and tax landscape is constantly evolving. Where traditional analysis would take days, our AI tools process massive volumes of data instantly:

  • High-precision textual audit: Comprehensive analysis of international conventions and complex legal texts in seconds.

  • Opportunity detection: Identifying loopholes or tax advantages that are often invisible to the naked eye.

Anticipating the future through stress tests

We don't just manage your present; we secure your future. Through predictive modeling, we subject your assets to rigorous crisis simulations:

  • Economic resilience: Impact of persistent inflation or a stock market crash.

  • Life variables: Accurate simulation of an unforeseen inheritance, a change of jurisdiction, or a major tax shift.

  • Dynamic arbitration: Instant comparison of several investment scenarios to retain only the most robust one.

    Putting Humans Back at the Heart of the Exchange

    The automation of low value-added tasks has only one goal: to give us back our time.

    • Active listening: Because an algorithm will never understand your deepest aspirations, we dedicate this time saved to understanding your life plans, your fears, and your ambitions.

    • Tailor-made advice: Technology provides the numbers, we give them meaning. We translate raw data into a coherent and serene life strategy.

      Our commitments: Independence, ethics, transparency

      As a member of the’ANACOFI and regulated by the’AMF, Balmont Conseil places ethics at the heart of its practice. Our independence is not a slogan, it is a legal structure.Our firm imposes absolute ethical rigor on itself to guarantee the protection of your interests.

      Statutory and Legal Independence

      Our independence is not a marketing slogan, it is a structural reality. It rests on a fundamental principle: the total absence of capital links with banking institutions or insurance companies.

    • Total Open Architecture We have access to the entire global market. Whether it's Luxembourg assurance-vie, cutting-edge private equity, or niche real estate solutions, our selection is dictated exclusively by the intrinsic performance and solidity of the issuers.
    • Council Neutrality : Not being subject to any commercial network pressure, we are free to reject "standardized" solutions and retain only excellence.

      • Transparency and Alignment of Interests

      Trust is built on clarity. We believe that a healthy consulting relationship begins with a mutual understanding of the value created.

    • Contractual Mission Letter: Before any action is taken, our fees and terms of intervention are detailed, discussed and validated.
    • Exclusive Mandate for the Client We work for you, and only for you. Our remuneration reflects our expertise, not is the product of third-party placement.

      • The "Net-Net" ROI Approach: The Reality of Profit

      Too many portfolios display superficial returns that vanish upon closer analysis. At Balmont Conseil, we have one obsession: real performance.

    • Post-Friction Performance: We do not judge an investment on its gross return. We systematically calculate what you are left with after the impact of management fees, taxes and inflation.
    • Optimizing the "Tax Layer"" : By integrating tax engineering from the portfolio design stage, we transform ordinary gross performance into superior net gain.

      • A Lyon base, a global reach

      If our roots are in Lyon (with offices in Bordeaux and Lisieux), our scope is international. Whether you are a Lyon-based entrepreneur preparing a sale through a scheme 150-0 B ter, or an expatriate in Dubai (UAE), At Qatar, has Hong Kong etc. seeking to optimize your property taxation in France, Balmont Conseil supports you without borders.

      We believe that proximity is not just a matter of geography, but of availability. Thanks to our digital tools and agile methodology, we provide 360° support for our clients worldwide.

      Independence is the price of your financial freedom. Transparency is the guarantee of our long-term viability.

      Ready to take it to the next level?

      Wealth management is an architectural process that requires planning. Don't let chance or tax complexities dictate your future. Join the clients who trust the Balmont Conseil method for precise, ethical, and forward-looking wealth management.

      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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      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.

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      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 ready to listen to you.
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