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Wealth management for company directors

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“Alexis, I’ve poured everything into my company for the past 15 years. Today it’s worth several million, yet I have almost nothing set aside in my personal name, and I have no idea how I’d be taxed if I sold tomorrow.”

This is the daily reality of the business owners we support at Balmont Conseil. For a company director, the boundary between professional wealth and private wealth is often porous, creating areas of significant legal and tax risk.

As a wealth management expert, supported by ALTA, the Augmented Wealth Engineer, my role is to reconcile your two worlds. Through artificial intelligence and advanced legal and tax expertise, we structure your entrepreneurial success into lasting, transferable wealth.

Bespoke analysis

The specific challenges facing company directors

Unlike an employee, a company director carries multiple risks. Their bespoke wealth strategy must address a complex set of challenges:

The Business Owner: Steering the Wealth Held Within the Company

A company director operates within an ecosystem where private and professional wealth are intimately intertwined. Our approach seeks to untangle this complexity:

  • Concentration of risk: The bulk of one’s fortune is often locked into the business itself. We work on extracting value in order to build a safety-net of wealth that is uncorrelated with the risks of the company.
  • The director’s social protection: A status (self-employed or assimilated-employee) that requires you to build your own supplementary pension and personal protection cover. We optimise these safeguards through tax levers such as the PER.
  • The trade-off between remuneration and dividends: We determine the ideal balance to maximise net income after tax and social contributions, including employee savings schemes.
  • Regulatory instability: It is crucial to anticipate the taxation of share disposals (150-0 B ter) and to organise family succession through instruments such as the Dutreil Pact.

    • AI-augmented advisory firm in France

    Our wealth engineering services for business owners

    We support you across the entire life cycle of your business, from growth through to disposal.

    Audit and Comprehensive Wealth Analysis

    Everything begins with a study of your matrimonial regime and an analysis of your company’s articles. We carry out a 360° wealth audit to verify the alignment between your life goals and your current legal structure.

    Optimising remuneration and income

    We model a range of scenarios to optimise your income, both now and in the future:

    • Salary/dividend trade-off.
    • Implementation of employee savings schemes (PEE, PERCO) to draw down company cash with reduced taxation.
    • Use of the Retirement Savings Plan (PER) to reduce income tax while preparing for what comes next.

    Corporate cash management

    Your surplus cash should not sit idle. We offer corporate cash investment solutions through company securities accounts or capitalisation contracts to make the asset side of your balance sheet work harder, while maintaining the liquidity your operations require.

    Succession and protection strategies: plan ahead rather than be caught out

    Anticipation is the watchword of the astute director. An unprepared succession can cost up to 45% of the company’s value in transfer duties.

    The Dutreil Pact: the "Holy Grail" of succession

    The Dutreil Pact allows you, subject to retention commitments, to benefit from a 75% allowance on the taxable base of the transfer (gift or inheritance). It is the essential tool for securing the long-term future of the family business.

    The wealth holding company and the OBO (Owner Buy Out)

    Setting up a holding company allows you to reinvest the profits of your operating company into property or financial assets with reduced tax friction (parent-subsidiary regime). The OBO, for its part, allows you to partially monetise the business while retaining control through a holding structure, releasing personal liquidity while keeping the reins. In other words: "selling the company to yourself".

    Why choose Balmont Conseil’s support?

    Wealth management for company directors leaves no room for approximation. Working with an expert delivers several benefits.

    The benefits of Balmont Conseil’s support

  • Saving time: you focus on running your business, we structure the architecture of your wealth.
  • Securing the legal framework: avoiding abuse of law and the risk of tax reclassification.
  • Benefiting from a cross-cutting perspective: we coordinate your other advisers (accountants, corporate lawyers, notaries).

    • Case study: planning ahead for a disposal

  • Profile: Director of an SME, aged 55, valued at €5m.
  • Challenge: To sell the business in 3 years with minimal tax exposure and a guaranteed income for retirement.
  • Balmont solution: Setting up a contribution-disposal arrangement (Art. 150-0 B ter), gifting the bare ownership of the shares to the children under a Dutreil Pact, and reinvesting the disposal proceeds into a diversified portfolio of financial instruments.

    • FAQ: the key questions directors ask

    How can I protect my family if my business runs into difficulties?

    What is the best strategy for my retirement?

    When should I start preparing my succession?

    Your success deserves a bespoke strategy

    Your business is the engine of your wealth, but it must not be its only component. The successful optimisation and enhancement of your financial and personal assets gives you the freedom to choose your future, whether you wish to reinvest, pass on your wealth, or enjoy your retirement.

    Ready to secure your future and that of your business?

    Book a consultation for a comprehensive wealth analysis and let us map out your trajectory together.

    Alexis Sagnier

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

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    Sources & References:

    • CGI: art. 150-0 B ter (contribution-disposal), art. 787 B (Dutreil), art. 62 / 80 ter / 83 (remuneration), art. 154 bis (PER / Madelin)

    • BOFiP: BOI-RPPM-PVBMI-30-10-60, BOI-ENR-DMTG-10-20-40-10

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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 here to listen.
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