Company Director Retirement

EN SAVOIR PLUS

For a company director, retirement is not a mere cessation of activity: it is the most important "M&A" transaction of their life. In an increasingly complex corporate ecosystem, your exit strategy must be orchestrated years in advance.

At Balmont Conseil, we transform your professional asset into a structured, optimised and transferable private estate.

Analyse personnalisée

Asset engineering: Securing the value of an entire career

Most directors focus the bulk of their attention on growing their company, sometimes neglecting the structure of their own real estate assets or their securities. Preparing for retirement means, above all, carrying out a surgical trade-off between the business tool and the private sphere.

Managing financial and employment-related assets

For senior executives and corporate officers, complexity often arises from the multiplicity of capital sources. We audit your stock options, your free share awards and your employee savings schemes (PEE, PERCO) to align them with your future liquidity needs. The aim is to transform these volatile elements into a solid foundation of asset protection.

Real estate in the service of retirement

Real estate investment should not be something you simply endure (operating property). We favour dedicated financial structures (SCI subject to corporation tax, holding companies) to house your business premises or to acquire yield-generating assets, making it possible to decorrelate your future income from the uncertainties of your former company.

Managing financial and employment-related assets: Professional Wealth Engineering

With a view to a disposal or a transfer, the company's performance is no longer enough; it is the structure of your assets that will determine your net position after tax. Our support is built around three critical pillars:

Remuneration vs Dividends trade-off: Steering the cost of exit

We do not settle for an annual accounting approach. We model your fund-withdrawal strategy over a 3-to-5-year cycle:
  • Social Protection: Maintaining an optimal salary level to validate your retirement quarters and your personal-protection guarantees, while avoiding the additional cost of social security contributions on the higher brackets.
  • Tax Efficiency: Analysis of the impact of the Flat Tax (30%) versus the option for the progressive scale with allowances, depending on your family quotient and your other investment income.


    • Enhancing Surplus Cash: From "Cash" to Capital

    Leaving cash idle in a current account is a lost opportunity, especially in a period of inflation or interest-rate volatility.
  • Capitalisation Vehicles: Setting up capitalisation contracts or corporate securities accounts to make the reserves work harder. The aim is to transform passive cash into a financial lever capable of financing all or part of the buy-back of your shares (OBO - Owner Buy Out).
  • Preparing for the Holding Company: We assess the merit of a holding company to house this cash, thereby benefiting from the Parent-Subsidiary regime (95% exemption on dividends passed up) and from facilitated reinvestment.


    • Exit Simulation and Transmission Engineering

    The moment of exit is often the largest fiscal event in a company director's life. We anticipate the scenarios to avoid unnecessary friction:
  • Contribution-Disposal (Art. 150-0 B ter): Analysis of the merit of contributing your shares to a holding company before the sale in order to benefit from a deferral of tax on the capital gain, provided that 60% of the disposal proceeds are reinvested in an eligible economic activity within a period of 2 years.
  • Post-Disposal Optimisation: Simulation of your future income through long-term investment vehicles (PEA, Life Insurance, SCPI held in full ownership or via dismemberment) to guarantee a standard of living identical to that of your working years, factoring in social levies and real estate wealth tax (IFI).

    • Income optimisation and tax planning

    The move into retirement is a fiscal shock. Without rigorous tax planning, the pressure on the disposal or on the first replacement income can erode your spending power by 30% to 40%.

    Personal protection and Risk Management: The director's safety net

    The working conditions of directors entail an exposure to risk (civil, criminal, financial) that does not always end on the day of retirement. Risk management lies at the heart of our approach.

    Individual and collective personal protection

    We check that your individual personal protection cover covers not only incapacity, but also the transition towards retirement protection. For directors who have had an international career, we analyse your entitlements with the various foreign pension funds and mandatory schemes to avoid any interruption of resources.

    Protecting personal wealth

    Watertight separation between business debts and the protection of personal wealth is a priority. We use legal tools (declaration of unseizability, change of matrimonial regime) to ensure that your retirement remains your sanctuary.

    The tools of the future: Retirement Savings Plan and AI

    The new retirement savings plan (PER) has become the cornerstone of the retirement of company directors. As both a tool for immediate tax relief and a long-term capitalisation wrapper, it offers unprecedented flexibility, particularly for expatriates or inbound assignees.

    Thanks to our wealth AI technology, we perform a calculation of theoretical pension income and real-time capital projections, factoring in inflation and market scenarios to validate the sustainability of your standard of living.

    L'avis d'Alexis...

    "The director is often the worst-shod cobbler. By focusing on their employees and their growth, they forget to build their own exit strategy. My role is to redress the balance."

    FAQ : Everything you need to know about the director's retirement

    When is the ideal time to set a retirement strategy in motion?

    How is the amount of my future retirement income calculated?

    Which succession scenario should be anticipated at the exit?

    Is it possible to unlock employee savings before retirement?

    Why choose Balmont Conseil rather than a private bank?

    Your success deserves an exit to match.

    Do not leave the fruit of several decades of work to chance. Retirement wealth management for company directors is a discipline that demands foresight, technical skill and a global vision.

    Ready to audit your trajectory?

    Alexis Sagnier

    With more than 17 years of expertise in financial engineering, Alexis Sagnier supports directors and expatriates in securing their cross-border interests.

    PRENDRE RENDEZ-VOUS

    Sources & Références :

    • French General Tax Code: Articles 150-0 B ter and 787 B (Dutreil).
    • PACTE Law (Retirement Savings Plan).
    • ANACOFI Member Handbook 2025 - Wealth Engineering Section.
    • Report on the social protection of self-employed workers (Social Security).

    Voir

    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 here to listen.
    PRENDRE RENDEZ-VOUS