Our products

«"Alexis, what's the best investment opportunity right now?"»

This is the question I'm asked most often. My answer is always the same: a financial product doesn't exist in a vacuum. A wealth management product is just a building block. Without mortar (a tax strategy) and without a plan (your wealth assessment), it can't build anything solid.

Recently, an expatriate client in Singapore came to see me to subscribe to a SCPI. He was convinced it was the miracle product. By digging his financial situation analysis and its wealth governance, We realized that by investing directly, he would face an unforeseen "tax wall" upon his return to France. We ultimately opted for a Luxembourg assurance-vie Capitalizing. The result? A net-net performance 2% higher per year simply thanks to the envelope.

At the house of Balmont Conseil, We don't simply select financial investments to fill tax-advantaged accounts. We design each investment solution like a high-precision financial engineering building block. With ALTA, my Augmented Wealth Engineer, my mission is to transform your capital into a resilient performance ecosystem, by sourcing exclusive assets — strategic real estate, Private Equity, open architecture — to build a tailor-made growth structure, perfectly aligned with your ambitions.

Personalized analysis

Wealth assembly: Why does the product come last?

Before we talk about securities accounts or'real estate investment, every collaboration at Balmont Conseil begins with a comprehensive asset study. This is the framework imposed by the financial regulations and the onboarding document (DER).

L''wealth collection consists of choosing suitable financial products to your life goals: retirement preparation, supplemental income, Or securing the inheritance.

Financial envelopes: Optimizing personal taxation

Choosing the right investment vehicle is the primary lever for tax optimization.

Life Insurance (France & Luxembourg): It's the Swiss Army knife. It allows for flexible asset management with decreasing taxation after 8 years. For large capital, Luxembourg offers unparalleled asset protection through the "Triangle of Security".

The Retirement Savings Plan (PER - individual Or business) Essential for executives. It allows you to deduct your contributions from your taxable income while building a solid retirement savings plan.

The PEA (Equity Savings Plan): Ideal for those seeking the performance of European shares with income tax exemption after 5 years.

The Securities Account (CTO): For total freedom of movement on global markets, without withdrawal constraints.

Real estate: Between return on investment and wealth transfer

Real estate investments remain the foundation of wealth in France. But they must be integrated into a diversified portfolio.

The SCPI (Pierre-Papier) It allows you to invest in commercial real estate starting from just a few thousand euros. It's the perfect tool for supplemental income without the hassle of property management.

LMNP (Non-Professional Furnished Rental) Thanks to depreciation, this is one of the best tax optimization strategies for receiving almost tax-free rental income.

The division of ownership : A powerful tool for transferring assets, allowing you to give the bare ownership to your children while retaining the usufruct (the income).

Our financial products

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.

Comparative table of solutions by profile

Because an investment solution is only valuable if it fits into a comprehensive vision, we have segmented the performance levers according to your lifecycle and financial constraints. This table summarizes the'wealth engineering that we deploy to align your assets with your true ambitions.

Profile	Priority Objective	Recommended Product	Risk Level
Young Professional	Capital formation	PEA / Life Insurance	Moderate to High
Expatriate	Portability & Taxation	Assurance-vie Luxembourg	Balance
Business owner	Protection & Retirement	PER / Holding / Private Equity	High (Targeted yield)
Retirement	Income & Inheritance	SCPI / Life Insurance (Art. 990 I)	Low to Moderate

Beyond these standard recommendations, true performance lies in...'dynamic arbitration and the adjustment of these parameters over time. At Balmont Conseil, we don't just guide you towards a product; we manage your wealth management trajectory so that it always remains at the service of your financial freedom.

Every estate is unique. Your strategy should be too.

Risk management and retirement planning solutions

A good wealth management advisor (CGP) doesn't just look at what you win, but also what you could lose.

There risk management goes through retirement planning solutions and family protection:

Key Man Insurance: To protect your business.
Funeral Expenses/Dependency Insurance: To avoid placing the burden of uncertainty on your loved ones.
Responsible Investment (SRI): To align your asset allocation with your ethical values.

Protecting your work tools: Key Person Insurance

For a self-employed professional or the head of a small or medium-sized enterprise (SME), you are the company's most valuable asset. A prolonged absence of the business owner can bring operations to a sudden halt.

Operational continuity: The payment of capital helps to compensate for the loss of revenue and to finance the recruitment of a temporary replacement.
Securing partners: It reassures your bankers and suppliers about the sustainability of the structure in case of a setback.
Favorable tax treatment: Premiums paid are generally deductible from the company's taxable profit, thus reducing the cost of this essential protection.

Protecting your loved ones: Funeral Expenses and Long-Term Care Insurance

Risk management means never passing the burden of financial uncertainty on to those you love. We integrate targeted protection solutions:

Dependency Guarantee: It secures your future financial independence without depleting the capital you wish to pass on to your heirs.
Immediate protection: These contracts guarantee the payment of an annuity or a lump sum, allowing you to maintain your spouse's standard of living and finance your children's education, even in the event of a sudden interruption of your professional income.

Ethics and Resilience: Responsible Investment (SRI)

Risk management is also a matter of sustainability. Aligning your asset allocation with ethical values is no longer just a matter of personal conviction, but of a economic resilience strategy unavoidable.

Performance uncorrelated with volatility: Companies that integrate ESG (Environmental, Social and Governance) criteria often demonstrate better operational risk management and a greater capacity to adapt to new regulations.
Access to the economy of tomorrow: By directing your capital towards labeled funds (SRI, Greenfin, Finansol), you directly finance the energy transition, medical innovation or education, sectors with strong growth potential for the coming decades.
Transparency and traceability: As an Augmented Wealth Engineer, my mission is to shed light on financial opacity. We select investments with measurable impact, allowing you to know precisely what your money is building.

How does Balmont Conseil select your products?

Unlike a retail bank, we operate in open architecture. This means that we do not have any "in-house" catalogue.

Analysis of investment performance: We scrutinize the actual costs, management history and the financial strength of the insurers.

Stress Test: We simulate the impact of market crises on your diversified portfolio.

Independence: If a product does not serve your wealth management strategy, we do not offer it, even if it is "trendy".

Alexis's opinion:

Never choose a property solely for its tax benefits. A bad real estate investment designed to reduce taxes remains a bad investment if the purchase price is inflated or if there is no rental market. The tax savings should be the icing on the cake, not the cake itself.

FAQs about Our Products

Is it possible to manage wealth online?

What are the costs associated with these products?

How to secure your inheritance with these products?

Your wealth deserves bespoke architecture

THE savings products They are merely instruments. The conductor's talent lies in their ability to make them play together harmoniously. Whether you are looking for a real estate project financing or a tax optimization complex, it all starts with a clear diagnosis.

Ready to define your ideal allocation?

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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