Wealth Diagnosis

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Question of the day:

“Alexis, I feel as though I hold plenty of assets, yet none of them truly work together. I pay too much tax, and I don’t even know whether my family is protected should something go wrong.”

This sense of "wealth fog" is the starting point for most of my consultations. In a regulatory environment that shifts every six months, steering your finances on instinct is a risk you can no longer afford.

At Balmont Conseil, we don’t believe in "off-the-shelf" miracle solutions. Everything begins with a surgical wealth diagnosis. It is the equivalent of a full-body scan: before prescribing any treatment (wealth strategy), one must understand the deep structure of your financial flows and the soundness of your legal foundations.

Bespoke analysis

What is a wealth diagnosis and what is it for?

The wealth diagnosis is a comprehensive snapshot, at a given point in time, of your civil, fiscal, economic and social situation. It is not a mere list of holdings, but an analysis of how well your wealth aligns with your wealth objectives.

The two faces of the diagnosis: an indispensable hybrid approach

It is crucial to understand that the diagnosis does not stop at the figures. For resilient wealth, we analyse two inseparable dimensions.

The private-wealth diagnosis: the financial architecture

This is the traditional bedrock of wealth engineering. We scrutinise your financial accounts, your asset portfolios, your matrimonial situation and your fiscal structure.

  • The objective: to identify "leaks" in returns, protect your spouse and heirs, and optimise your taxation (IR, IFI, transfer duties). The aim is to ensure your capital is properly directed towards your life projects.

    • The technical and property diagnosis: the value of the building

    In an increasingly demanding legislative context (environmental standards, DPE), property can no longer be managed as a simple figure on a statement. This diagnosis consists of a physical and historical analysis of the building.

  • The objective: to assess the technical condition, and to consider an energy-efficiency refurbishment or a high-performance restoration. We examine the existing fabric to anticipate the works required, enhance the value of the bricks and mortar, and safeguard the long-term rental viability of your properties.

    • The Balmont fusion: engineering in the service of bricks and mortar

    At Balmont Conseil, we refuse to treat these two pillars in silos. Property expertise only makes sense when it is embedded within an overall tax strategy.

  • Why undertake a thermal renovation without pairing it with a Déficit Foncier or Loi Malraux scheme?
  • Why keep a building whose energy performance is falling when its legal structure weighs on your IFI?

    • We merge these diagnoses to turn a technical constraint (the renovation) into a major tax opportunity.

    The Balmont Methodology: the 5 steps of the "augmented" diagnosis

    To deliver a diagnosis that provides genuine added value, we follow a rigorous methodology, powered by our wealth AI for speed and precision.

    Step 1: Gathering information

    We collect your documents: tax notices, life-insurance policies, notarial deeds, and cash statements. This phase allows us to assess the assets and liabilities in raw terms.

    Step 2: Budget and cash-flow analysis

    We study your dynamic financial situation. What is your income, what are your outgoings, what is your savings capacity? A sound diagnosis must verify that your lifestyle is secured over both the short and the long term.

    Step 3: The legal and tax audit

    This is where we uncover the weaknesses. Is your matrimonial situation suited to your business assets? Is your social protection sufficient? We carry out a tax-burden audit to identify the levers for tax optimisation.

    Step 4: Synthesis of the diagnoses

    The AI compiles the data to create a clear synthesis of the diagnoses. We bring the points requiring vigilance to light: a "tax wall" within 5 years, the risk of a deadlock upon wealth transfer, or a shortfall of cash.

    Step 5: Proposed courses of action

    The diagnosis concludes with bespoke advice and a wealth consultation in which we define your new trajectory together.

    For whom and why? The tangible benefits

    For executives and company directors

    The challenge is often tax optimisation and the protection of wealth against civil-law risks. A diagnosis may reveal the merits of creating a wealth-holding company or of opting for a société d'acquêts depending on your matrimonial regime.

    For property investors

    Through the property-taxation diagnosis, we analyse the true (net-net) return on your properties. Is it time to reallocate? To launch an energy-efficiency refurbishment in order to benefit from public funding or Déficit Foncier schemes?

    The key benefits

  • Clarity: a crystal-clear view of "what you own" and "what it earns".
  • Security: the assurance that your spouse and children are protected by a robust succession plan.
  • Financial gain: identifying tax savings that often go unsuspected (IFI calculation, tax reliefs).

    • The Hierarchy of Expertise: no longer confuse Review, Audit and Diagnosis

    In financial jargon, these terms are often loosely used. For us, they represent three clearly distinct levels of engagement, each bringing an additional layer of depth to the understanding of your wealth.

    The Wealth Review: The Snapshot

    The review is a quantified inventory. It is a snapshot, at a given point in time, of what you own (Assets: property, financial, business) and what you owe (Liabilities: loans, debts).

  • The limitation: the review records, but it does not explain. It is an indispensable accounting document, but a static one.

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    The Wealth Audit: the critique and the assessment

    The audit is an analysis of compliance and performance. It is no longer enough to list the assets; we "stress-test" them.

  • The focus: we look for what could fail. Is your beneficiary clause still suited to your family situation? Is your asset allocation consistent with current market risks? The audit surfaces the hidden problems.

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    The Wealth Diagnosis: The Strategy

    This is the higher stage, the very heart of our role as conductor of the orchestra. The diagnosis encompasses the review and the audit, but injects into them a strategic and forward-looking dimension.

  • The added value: where the audit says "here is what is wrong", the diagnosis says "here is why it is blocking you and how we are going to turn it into an opportunity". It establishes a precise diagnosis — like a physician before an operation — and sets the course of action for the next 10 years.

    • FAQ : Your questions about the wealth diagnosis

    Can I carry out my diagnosis on my own using online tools?

    Which documents should I prepare?

    How long does a diagnosis take at Balmont Conseil?

    What is the cost of such a service?

    AI analyses the present; we plan your future

    The wealth diagnosis is not an end in itself; it is the bedrock of your future freedom. Do not remain in uncertainty. Whether your objective is wealth preservation or a serene wealth transfer, everything begins with this assessment.

    At Balmont Conseil, we combine the expertise of our tax advisers dedicated to inbound expatriates with the analytical power of AI to validate every stage of your return. We secure your present so that you can focus on your new career in France.

    Your wealth is an architecture, and we are its guardians.

    Alexis Sagnier

    Drawing on more than 17 years of expertise in financial engineering, Alexis Sagnier guides company directors and expatriates in securing their cross-border affairs.

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    Sources & References:

    • Code Général des Impôts (CGI): Article 155 B.
    • Bulletin Officiel des Finances Publiques (BOFiP): Inbound-expatriate regime (BOI-RSA-GEO-40).
    • Loi de Finances 2025: Analysis of recent developments.
    • Case law on inbound expatriation: Conseil d'État rulings on the reference remuneration.
    • ANACOFI Member Handbook: Standards for advice in wealth engineering.

    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.
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