Wealth management for senior executives

«Alexis, I earn a very good living, but between my bonuses, stock options, and 12-hour workdays, I don’t have time to optimize my assets. I feel like taxes are eating away at all my savings efforts. How can I secure my future and that of my children without spending my weekends on it?»

This problem is a daily occurrence for senior executives and managers that we accompany at Balmont Conseil. Your profile is unique: you have a regular savings capacity Your wealth is high, but your time is your most precious resource. Above all, your assets are often "unbalanced" by a heavy exposure to your company (free shares, employee savings) and a tax burden that reaches record highs.

With our AI-Enhanced Asset Management Engineer, Our mission is to become the architect of your wealth management strategy. We don't just offer you products; we design a tailored wealth management strategy which reconciles your professional ambitions and your life plans.

Personalized analysis

Why is wealth management crucial for executives?

For an executive, wealth is not just a store of money; it's a source of freedom. Rigorous financial planning for an executive addresses three major challenges:

Optimizing the tax burden : With a marginal tax rate (MTR) often situated at 30 %, 41 % or 45 %, every euro invested must be invested with maximum tax efficiency.

Preparing for a retirement that is often "imposed"" The difference between your last salary and your retirement pension will be massive. Anticipating this loss of income is an absolute priority from the age of 40.

Protecting family assets In the event of an unforeseen life event, your family must be able to maintain its standard of living through a robust planning and inheritance strategy.

The problems specific Beyond traditional savings

There wealth management for executives differs from generalist management due to the complexity of the assets involved:

Optimizing complex compensation

Bonus, stock options, Free shares (AGA) or founder's shares (BSPCE)... these forms of compensation are powerful wealth accelerators, but they are subject to a constantly evolving and complex tax system. asset audit allows for optimization of the exit timing.

Employee savings plans for managers

Employee savings plans (PEE), company retirement savings plans (PERCO), employer contributions... these schemes are often underutilized. appropriate asset allocation within these envelopes can transform "dormant" savings into a major capitalization lever.

Mobility and expatriation

Many senior executives are required to work abroad. This necessitates a thorough understanding of international tax treaties to avoid double taxation and ensure the portability of tax benefits.'assurance-vie or retirement savings plan.

Our strategies: Concrete solutions for high-income earners

At Balmont Conseil, we deploy investment strategies segmented to meet your objectives wealth development.

Rental investment for executives

Leveraging credit is your best ally. We favor solutions with high tax advantages:

The LMNP (Furnished) status: To generate lightly taxed income through depreciation.

Land deficit or the Malraux Law: For executives whose priority is the immediate reduction of the tax burden.

Bare ownership: Ideal for building capital without increasing income tax or wealth tax during the period of activity.

Financial asset allocation

We are breaking away from traditional retail banking models to offer you genuine asset diversification:

Private Equity (Private Equity) : Access to the best-performing asset classes, formerly reserved for institutional investors.

Wealth management for senior executives : Access to personalized management mandates and open architecture savings vehicles.

The contribution of an open architecture consulting firm

When should I start seeking medical advice?

Why choose Balmont Conseil over your traditional private bank?

Total transparency As an open architecture firm, we have no "in-house" products to push. Our only compass is your best interest.
Comprehensive management approach We look not only at your investments, but also at your legal protection, your matrimonial property regime and your estate planning.
Wealth Risk Management: We use AI to simulate crisis scenarios and verify the resilience of your assets.
Time saving: We coordinate your various contacts (accountant, notary, tax lawyer).

There's no such thing as a "small" fortune when it comes to starting to do things right. However, using a specialized wealth management firm becomes essential when:

Your annual income exceeds €80,000.

Your monthly savings capacity exceeds €1,500.

You hold complex assets (stock options, direct real estate).

You wish to delegate tax and regulatory monitoring.

FAQ Your questions as executives and managers:

What are the best tax optimization options for a senior executive?

How can I prepare for my retirement when I'm still far from that date?

Is it risky to own too many shares in my company?

How can I optimize the transfer of my assets?

What is a Balmont wealth audit?

Your career path deserves engineering excellence.

Your professional success is the result of your expertise. Your financial success should be the result of ours. At Balmont Conseil, We transform the complexity of your executive status into an opportunity to build a lasting legacy.

Ready to regain control of your assets?

Schedule an appointment with Alexis Sagnier for your Initial Wealth Audit

Alexis Sagnier

With over 17 years of expertise in financial engineering, Alexis Sagnier assists executives and expatriates in securing their cross-border challenges.

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