Tax diagnosis

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Question of the day:

«Alexis, I feel like I have a lot of assets, but none of them really work together. I pay too much tax and I don’t even know if my family is protected in case of hardship.»

This feeling of "financial uncertainty" is the starting point for most of my consultations. In a regulatory environment that changes every six months, managing your finances by instinct is a risk you can no longer afford.

At the house of Balmont Conseil, We don't believe in "off-the-shelf" miracle solutions. It all starts with a asset assessment surgical. It's the equivalent of a full scan: before prescribing treatment (wealth management strategy), you need to understand the deep structure of your financial flows and the strength of your legal foundations.

Personalized analysis

What is a wealth assessment and what is its purpose?

THE asset assessment is a comprehensive overview, at a specific point in time, of your civil, tax, economic, and social situation. It is not simply a list of assets, but an analysis of the consistency of your assets with your wealth objectives.

The two faces of diagnosis: An essential hybrid approach

It is crucial to understand that the diagnosis does not stop at the numbers. For a resilient asset, we analyze two inseparable dimensions.

Private wealth management diagnosis: The financial architecture

This is the traditional foundation of wealth management engineering. We scrutinize your financial accounts, your asset portfolios, your marital status and your tax structure.

  • The objective Identify potential "leaks" in returns, protect your spouse and heirs, and optimize your tax situation (income tax, wealth tax, inheritance tax). The goal is to ensure your capital is properly allocated to your life goals.

    • Technical and real estate diagnostics: Building value

    In an increasingly restrictive legislative context (environmental standards, energy performance certificates), real estate can no longer be managed as a simple number on a statement. This assessment consists of a physical and historical analysis of the building.

  • The objective We assess the technical condition and consider energy-efficient renovations or high-performance restoration. We scrutinize the existing structure to anticipate necessary work, enhance the value of the building, and guarantee the long-term rental potential of your properties.

    • The Balmont merger: Engineering at the service of stone

    At Balmont Conseil, we refuse to treat these two pillars in silos. Real estate expertise only makes sense if it is integrated into a comprehensive tax strategy.

  • Why undertake a thermal renovation without backing it up with a Land Deficit scheme or the Malraux Law?
  • Why keep a building whose energy efficiency is declining when its legal structure weighs on your wealth tax?

    • We are combining these assessments to transform a technical constraint (renovation) into a major tax opportunity.

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

    To carry out a diagnosis that provides a real added value, We follow a strict methodology, boosted by our AI for wealth for speed and accuracy.

    Step 1: Information Gathering 

    We collect your documents: tax notices, assurance-vie contracts, notarial deeds, statements of cash. This phase allows us to'evaluate the assets and the liabilities in a raw form.

    Step 2: Budget and Cash Flow Analysis

    We are studying your financial situation Dynamic. What are your income, expenses, and savings capacity? A good assessment should verify that your lifestyle is secure in the short and long term.

      Step 3: The Legal and Tax Audit

      This is where we detect the weaknesses. Your marital status Is it suitable for your professional assets ? Your social protection Is it sufficient? We are conducting a audit tax pressure to identify the levers of'tax optimization.

        Step 4: Synthesis of diagnoses

        AI compiles the data to create a summary of diagnoses clear. We highlight the points of concern: the "tax wall" at 5 years, the risk of a blockage in the event of inheritance, or lack of cash.

          Step 5: Intervention Proposals

          The diagnosis concludes with personalized advice and one wealth consultation where we define the new trajectory together.

            For whom and why? The concrete benefits

            For executives and managers

            The key issue is often tax optimization and asset protection against civil risks. An assessment can reveal the advantages of creating a holding company or opting for a community property regime, depending on your specific circumstances.

            For real estate investors

            Thanks to our property tax assessment, we analyze the true (net-net) profitability of your properties. Is it time to make a decision? To launch an energy-efficient renovation to take advantage of public funding or tax-deductible property deficit schemes?

            The major benefits

          • Clarity: A clear vision of "what you have" and "what it brings in".
          • Security: The assurance that your spouse and children are protected by a robust estate plan.
          • Financial gain: Identify often unsuspected tax savings (IFI calculation, tax loopholes).

            • The Hierarchy of Expertise: Don't confuse Assessment, Audit, and Diagnosis

            In financial jargon, these terms are often misused. For us, they represent three distinct levels of intervention, each adding further depth to the understanding of your assets.

             

            The Asset Assessment: Photography

            The balance sheet is a numerical inventory. It is a snapshot at a given moment of what you own (Assets: real estate, financial, professional) and what you owe (Liabilities: loans, debts).

          • The limit The balance sheet states the facts, but it does not explain them. It is an essential accounting document, but a static one.

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            Asset Auditing: Critique and Evaluation

            An audit is an analysis of compliance and performance. We no longer simply list assets, we "stress" them.

          • The focus We look for potential problems. Is your beneficiary clause still appropriate for your family situation? Is your asset allocation consistent with current market risks? The audit uncovers hidden issues.

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            The Wealth Assessment: The Strategy

            This is the next step, the heart of our role as conductors. The diagnostic encompasses the assessment and the audit, but it also injects a strategic and forward-looking dimension.

          • Added value Where an audit says "this is what's wrong," a diagnosis says "this is why it's blocked and how we're going to turn it into an opportunity." It provides a precise diagnosis—like a doctor before an operation—and defines the action plan for the next 10 years.

            • FAQ Your questions about the asset assessment

            Can I diagnose myself using online tools?

            What documents do I need to prepare?

            How long does a diagnosis at Balmont Conseil take?

            What is the cost of such a service?

            AI analyzes the present, we plan your future

            THE asset assessment is not an end in itself, it is the foundation of your future freedom. Don't remain in uncertainty. Let your goal be the wealth preservation or a inheritance serene, everything begins with this assessment of the situation.

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

            Your wealth is architecture, we are its guardians.

            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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            Sources & References:

            • General Tax Code (CGI) : Article 155 B.
            • Official Bulletin of Public Finances (BOFiP) : Impatriate regime (BOI-RSA-GEO-40).
            • 2025 Finance Law Analysis of recent developments.
            • Case law on impatriation : Decisions of the Council of State on reference remuneration.
            • ANACOFI Member Booklet : Standards for consulting 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 ready to listen to you.
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