“Alexis, I feel like I’m flying blind. I own property, life-insurance policies opened ten years ago, a holding company that is starting to build up capital... but how does it all fit together if I decide to sell my business or move abroad?”
I hear this question at every first meeting. Many clients hold high-performing assets, but few benefit from a genuine holistic wealth approach. At Balmont Conseil, we believe that wealth is not a mere accumulation of financial or property products; it is a living organism that requires an overall plan.
The comprehensive wealth audit is the cornerstone of our "AI-Augmented Adviser" method. It is neither a quick diagnosis nor a simple simulation: it is a high-precision strategic partnership that turns your assets into a coherent system serving your life projects.
At Balmont Conseil, we do not see your wealth audit as a mere administrative formality. We treat it as a concrete, high-precision optimisation of your assets.
As a wealth-management advisory expert, assisted by a wealth-focused AI, my mission is to take stock of your wealth and taxation, appraise your assets and liabilities through an in-depth study, and put forward the best tax-optimisation solutions.
What is a comprehensive wealth audit?
The comprehensive wealth audit (often called a 360° wealth review) is an exhaustive, cross-cutting study of your situation. Unlike a simple "product"-based approach, the audit analyses the interaction between your different spheres: civil, tax, economic and social.
The Balmont Conseil Methodology: The 5 steps of your strategy
A serious audit cannot be improvised. To turn an inventory of assets into a life strategy, we follow a rigorous five-phase protocol.
Gathering and Discovery (The "Data Catch")
This step is the foundation of our collaboration. We gather all the documents in your file: notarial deeds, worldwide bank statements, tax notices and company articles of association.
Beyond the figures, this is the moment for deep reflection on your life projects: retirement, expatriation, protection of children or philanthropy. We listen to what the figures do not say.
The Exhaustive Valuation of Assets and Liabilities
We carry out an X-ray of your wealth at a given moment. This includes the precise valuation of property (main residence and rental), the analysis and appraisal of rental income, as well as the technical examination of life-insurance products, employee-savings solutions and your liabilities (debt, rates, guarantees).
We measure the liquidity and soundness of each line.
The Diagnosis (Gap Analysis)
This is the critical phase where we compare the existing situation against your objectives. We identify inconsistencies and latent risks.
Is your life insurance compliant with the latest tax developments? Is your property-ownership structure a time bomb when faced with the IFI? We pinpoint the performance "leaks" and legal vulnerabilities.
The Co-creation of Wealth Strategies
This is where engineering comes into its own. We develop several tax and financial simulation scenarios (projections over 10, 15 or 20 years).
This is not an imposed solution, but a work of co-creation: we adjust the balance between security, return and transfer until we find the equilibrium that suits you.
Delivery and Long-term Monitoring
We provide you with a detailed written report, a genuine roadmap (engagement letter). But the audit is only a starting point.
French regulation and world markets are constantly changing; regular wealth monitoring is essential to recalibrate your strategy in response to legislative changes or developments within your family circle.
The Objectives and Benefits: Why put your wealth through a "Stress Test"?
Wealth that is not audited is wealth that is at the mercy of its environment. Carrying out an audit means giving yourself a 360° vision to turn your assets into a resilient strategy.
A multidimensional analysis: the pillars under scrutiny
The comprehensive wealth audit leaves no grey areas. It is the interaction between these four pillars that creates a resilient strategy.
How much does a comprehensive wealth audit cost?
A genuine advisory audit is a service remunerated through fees. Unlike a bank, which is paid by selling a product, the wealth-expertise firm charges for its time and know-how.
The cost varies according to the complexity of the file (the presence of business wealth, holding-type structures, complex property or international issues (Europe (France, United Kingdom...), the Middle East (Qatar, Jordan...), Asia (Hong Kong, Vietnam...), ). At Balmont Conseil, we advocate complete transparency: the quote is drawn up as soon as the discovery meeting ends. Consider this audit not as a cost, but as an investment: the gain generated by structuring the wealth transfer or the tax saving almost always far exceeds the fees.
How to choose the right professional?
Entrusting the management of your wealth is a decision based on trust, but above all it must rest on objective criteria and strict regulatory guarantees. For your wealth consultation, insist on these three pillars.
Open-Architecture Advice
An adviser should not be a mere distributor of banking products. Make sure they work on an open-architecture basis, meaning they are free to select the best funds and vehicles on the market with no capital ties to the issuers.
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The guarantee: Check for membership of a professional association approved by the AMF, such as ANACOFI. This is the assurance of rigorous compliance and advice delivered in your exclusive interest.
Technology: The AI-Augmented Adviser
In the age of data, intuition is no longer enough. A modern firm harnesses the power of artificial intelligence to multiply its responsiveness and precision.
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The added value: AI makes it possible to analyse thousands of tax simulation and financial scenarios in record time. It offers a greater depth of analysis to detect opportunities or carry out an assessment of the associated risks that conventional methods might overlook. At Balmont, technology serves people to deliver high-precision advice.
Multidisciplinary Expertise and Cross-professional Collaboration
Wealth is an ecosystem where law, finance and taxation intertwine. Your adviser must act as a conductor.
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The collaboration: They must be able to converse on equal terms with your usual advisers (notary, chartered accountant, tax lawyer). This cross-professional collaboration is crucial so that the financial strategy is never disconnected from the legal or accounting reality of your household or your business.
FAQ : your questions about the wealth audit
Take a step back and view your financial situation from above
Wealth is an architecture, and we are its guardians. Do not let chance or regulatory obsolescence decide your financial future. The comprehensive wealth audit is the ultimate tool to turn the management of your assets into a source of peace of mind.
Your wealth deserves a bespoke strategy.
Book an appointment for your personalised wealth audit with Alexis Sagnier.
Alexis Sagnier
With more than 17 years of expertise in financial engineering, Alexis Sagnier supports business owners and expatriates in securing their cross-border interests.
Sources & References
- French General Tax Code (CGI): Article 155 B.
- Official Bulletin of Public Finances (BOFiP): Inbound-assignee regime (BOI-RSA-GEO-40).
- 2025 Finance Act: Analysis of recent developments.
- Case law on inbound assignment: Rulings of the Conseil d'État on reference remuneration.
- ANACOFI Member Handbook: Standards for wealth-engineering advice.
Topics covered in this presentation:
- Wealth analysis and financial situation review.
- Tax optimisation and tax-reduction strategies.
- Estate planning and structuring the wealth transfer.
- Audit of property investments and appraisal of liabilities.
- Wealth-management expertise and audit methodology.