“Alexis, I live in Berlin, I own flats in Lyon, my securities accounts are in Luxembourg and I am preparing to expatriate to Spain. How can I bring all of this into harmony without cross-border taxation becoming a financial black hole?”
Europe offers exceptional freedom of movement for people and capital, but it conceals a formidable paradox: complete fiscal and legal fragmentation. Managing wealth on a European scale is not simply a matter of multiplying investments; it means orchestrating cross-border financial planning in which every decision made in one country can send a shockwave through another.
At Balmont Conseil, we have made this complexity our field of excellence. With my expertise and ALTA, the first AI-Augmented Wealth Engineer, my mission is to combine top-tier human expertise with cutting-edge wealth-management AI to resolve your complex wealth situations. We do not merely advise you on a product: we build a resilient wealth infrastructure, tailored to a multi-jurisdictional estate.
What does wealth management in Europe involve?
Wealth management in Europe goes far beyond the scope of simple investment advice. It is a discipline that consists of structuring, protecting and growing the assets of clients whose interests span several Member States (or reach beyond the European Union).
Unlike the monolithic bloc of the United States, Europe is a patchwork of 27 different civil and tax codes. Navigating this space requires understanding that, while tax remains national, the protection of wealth has become European.
The Challenges of Cross-Border Wealth: Expatriates and Non-Residents
For a French expatriate or a European investor, wealth management is a balancing act.
Wealth Optimisation for Expatriates
When you change country, you change your fiscal "operating system". A wealth review carried out before departure is vital. The issues are numerous:
- The Exit Tax: For entrepreneurs or large shareholders, leaving France can trigger taxation on unrealised capital gains.
- Double Taxation Treaties: They are the cornerstone of your investment strategy. Without them, your property income or your dividends could be taxed twice.
- Tax Reductions for Expatriates: Some countries offer favourable regimes (e.g. the Beckham regime in Spain or the NHR status in Portugal, although the latter has evolved).
Managing a multi-jurisdictional estate
Holding an account in Luxembourg, a main residence in Brussels and a property investment in Lisbon calls for a multi-dimensional analysis.
Each country has its own rules of ownership (SCI, Holding, Trust, Foundation) and its own wealth taxes (such as the IP in Spain or the IFI in France).
Balmont Conseil’s Services of Excellence
A personalised support can only be holistic. At Balmont Conseil, our services cover the entire value chain of financial planning in Europe.
Comparing Firms: Why does Balmont Conseil stand out?
The private wealth management market in Europe is segmented. There are three broad families of players:
Legal Certainty and International Regulations
Navigating international tax regulations demands constant vigilance, as tax authorities increasingly collaborate through the automatic exchange of information.
International tax treaties and Double taxation
The application of the regime must always be considered in the light of international tax treaties. These treaties take precedence over domestic law and determine whether France truly has the right to tax remuneration linked to abroad. A misreading of the treaty can wipe out any hope of tax recovery or, worse, create a double taxation.
Case law on impatriation and Risks of tax arbitrage
The tax authorities are particularly attentive to risks of tax arbitrage. The case law on impatriation shows that the tax office does not hesitate to challenge arrangements where the impatriation bonus is manifestly overvalued in order to reduce French tax artificially. The tax return of impatriates must therefore be supported by solid evidence of the reality of the recruitment from abroad.
The Balmont Conseil Method: Augmented Wealth Engineering
The strength of our firm lies in our ability to process complex data.
AI-Driven Risk Analysis
Europe is unstable (changes of government, tax reforms). Our AI carries out permanent risk management. It simulates the impact of a new finance act in Italy on your holding structure in France. This investment productivity enables us to be proactive rather than reactive.
Long-Term Support
A multi-jurisdictional estate evolves. An executive who changes country every 5 years needs long-term support that does not start again from scratch at every border. We ensure the continuity of your asset protection and your retirement preparation.
Europe
Discover our tailored solutions for expatriates in Europe (Portugal, United Kingdom, Switzerland...)
Learn moreAsia
Discover our tailored solutions for expatriates in Asia (Vietnam, Philippines, South Korea...)
Learn moreFAQ: Your Questions on Wealth Management in Europe
Cross-Border Expertise, the Key to Your Freedom
Wealth management in Europe does not tolerate amateurism. Every decision is a piece of a complex puzzle that spans several countries. At Balmont Conseil, we turn this complexity into quiet strength. By combining international tax expertise with augmented engineering, we offer expatriates and European investors the peace of mind they deserve.
Do not let your wealth scatter along the borders. Give it a European architecture.
What Balmont Conseil can do for you:
- Full multi-jurisdictional audit of your assets.
- Tax wealth optimisation (Exit Tax, NHR, Impatriation).
- Implementation of bespoke investment solutions (Luxembourg, Private Equity).
- Succession planning secure and cross-border.
- Financial planning in Europe with a 360° vision.
Alexis Sagnier
With over 17 years of expertise in financial engineering, Alexis Sagnier supports company directors and expatriates in securing their cross-border interests.
Sources & Références :
- General Tax Code (CGI) : Article 155 B.
- Official Bulletin of Public Finances (BOFiP) : Impatriate regime (BOI-RSA-GEO-40).
- 2025 Finance Act : Analysis of recent developments.
- Case law on impatriation : Rulings of the Conseil d'État on the reference remuneration.
- ANACOFI Member Handbook : Standards for wealth-engineering advice.