France's leading AI-enhanced consulting firm

Our services & solutions

Managing the wealth of a non-resident or entrepreneur requires more than a simple Excel spreadsheet. Between cross-border tax complexities and market volatility, your assets demand a 360° perspective. At Balmont Conseil, we combine advanced digital solutions with independent advice to transform your wealth into a high-performance strategy.

At the house of Balmont Conseil, we transform complex management into a precision engineering. By combining human expertise and cutting-edge tools, I work with ALTA., AI-Enhanced Asset Management Engineer to secure your assets and make every decision a strategic lever for long-term performance.

Personalized analysis

Management vs. Consulting: Which wealth management solution should you choose?

The current market is divided into three main categories. Understanding their limitations is the first step to securing your financial future:

Retail banks: Often limited to their own products ("closed architecture"), they lack responsiveness to expatriation issues.
Tracking applications (SaaS): Excellent for the centralization of assets And while real-time monitoring (like Finary) doesn't replace tax strategy, it does provide observations, not advice.
The independent Wealth Management Firm (CGP): This is our model. We use AI for the'asset analysis precision is key, but it is the human element that ultimately decides on tax and inheritance optimization.

Our wealth management solutions and services (investments, expatriation, legal status...)

SCPI (credit/cash)

Discover our approach to SCPIs and their inclusion in our range.

Individual PER

Discover our approach to individual PER and what we offer.

PER company

Discover our approach to PER in business and what we offer.

Private Equity

Discover our approach to Private Equity and what we offer.

Luxembourg assurance-vie

Discover our approach to Luxembourg assurance-vie and what we offer.

French assurance-vie

Discover our approach to French assurance-vie and what we offer.

Furnished rental (LMNP)

Discover our approach to the Non-Professional Furnished Rental status and what we offer.

International health insurance

Discover our approach to international health and welfare insurance and what we offer.

International Mobility Insurance

Discover international mobility insurance and what we offer.

All our Balmont Conseil products

Discover all the products in our comprehensive wealth management range.

The 5 pillars of our Balmont Conseil offer

Financial Investments & Open Architecture

No more underperforming "in-house" funds. We have access to the world's best asset managers (Vanguard, BlackRock, Rothschild & Co) to build tailor-made portfolios.

Objective : Optimize the risk/return ratio according to your time horizon.

The Balmont plus: An algorithmic analysis to test the resilience of your portfolio in the face of crises.

Private Equity: Access to unlisted assets

Long reserved for institutional investors, private equity is now accessible. It allows you to decouple your assets from the stock markets.

Target Growth companies, infrastructure, institutional real estate.

Advantage : Superior performance potential over the long term.

Rental Real Estate: The Net-Net Return

Rental property remains the preferred investment for the French, but taxation for non-residents can be punitive.

Solutions : European SCPIs allowing for tax optimization for non-residents, LMNP with depreciation, or property division.

Accompaniement : From finding the property in Lyon or elsewhere, to the legal structuring.

Assurance-vie: The "Luxembourg" version"

Long reserved for institutional investors, private equity is now accessible. It allows you to decouple your assets from the stock markets.

Target Growth companies, infrastructure, institutional real estate.

Advantage : Superior performance potential over the long term.

Retirement Savings Plan (PER) & International Retirement

Preparing for retirement when you move to a new country is a challenge. A Retirement Savings Plan is a powerful tool for deducting your contributions from your taxable income in France, while simultaneously building capital for the future.

Comparative Table of Solutions

Criteria	Private Banks	Applications (SaaS)	Balmont Conseil
Transparency of fees	Low (Hidden commissions)	Premium (Subscription)	Total (Fees)
Expatriate Expertise	Limited	None	Native Specialization
Architecture	Closed (Homemade products)	N / A	Open (Global Market)
Tax Planning	Standardized	None	Surgical (Art. 155 B, 150-0 B ter)
Technological Monitoring	Obsolete	Excellent	Hybrid (AI + Expert)

How to choose your wealth management solution?

The choice depends on two factors: your outstanding balance and the complexity of your situation.

"Solo" Profile (Wealth) < €150k) Good tracking software and low-cost ETFs may be sufficient.

"Strategist" profile (Expatriates, Executives, Assets > €300k) The guidance of a wealth management advisor is becoming essential. Why? Because a single mistake on an international tax treaty can cost you more than 10 years of advisory fees.

The strategic missions (the Council)

Service	Hook	Deliverables & Value
Asset Assessment	Decision in 90 minutes.	Summary + 90-day action plan. (€1,200)
Contract Audit	Balmont eliminates inconsistencies.	Audit report + Target allocation. (€1,500 - €3,500)
Tax Optimization	Less friction, more consistency.	12-month action plan + quantified levers. (€1,500 - €6,000)
Corporate Treasury	Performance + Discipline.	Cash management policy + Risk rules. (€2,500 - €8,000)
International Start	Cross-border roadmap.	Risk mapping + Residence strategy. (€3,500)
Managed SCPIs	Commercial real estate, managed.	Strategy + Selection + Execution. (Compensation 5%)
Executive Protection	We secure the base.	Health/insurance audit + Target coverage. (€600 - €3,500)

FAQ Frequently Asked Questions

Why is consulting support preferable to software?

What are the fees of an international wealth management firm?

Is it possible to invest in Private Equity as a non-resident?

Don't come back by chance, come back strategically

Your assets deserve better than a "standard" solution. Whether you are in Lyon, Dubai, or Singapore, Balmont Conseil brings you the rigor of wealth management engineering and the flexibility of modern tools.

Ready to take it to the next level?

Book your AI Wealth Assessment (3 min) and let's talk about your project.

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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