Private Real-Estate Wealth Management

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Recently, I advised a Lyon-based business owner who was preparing to sell his company. His "Premier" banker was proposing to place the proceeds of the sale into underperforming in-house funds.

On reviewing his situation, I identified a cluster of critical red flags: no anticipation of the tax deferral (150-0 B ter) and a life-insurance beneficiary clause drafted 15 years ago, entirely disconnected from his current family circumstances.

This is precisely where retail banking ends and private wealth management begins. It is not a luxury; it is a technical necessity for anyone seeking to protect their capital against tax erosion and succession risks.

Private wealth management is a premium wealth-engineering service dedicated to individuals holding significant assets (generally from €250,000 in assets under management). Unlike conventional retail banking, it rests on a comprehensive wealth audit and privileged access to so-called "institutional" investment vehicles (Private Equity, dismembered real estate, Luxembourg life insurance). In 2026, the challenge is no longer performance alone, but the legal resilience of your structure in the face of fiscal instability.

Tailored analysis

What is private real-estate wealth management and who is it for?

Private wealth management is the art of orchestrating all of your assets — financial, real estate and business — to serve a precise life objective. It is aimed at profiles for whom a standardised approach becomes a risk.

In concrete terms... What is it, then?

Private wealth management is the art of orchestrating all of your assets — financial, real estate and business — to serve a precise life objective. It is aimed at profiles for whom a standardised approach becomes a risk:

  • Directors and Entrepreneurs : To align private wealth with corporate cash management.
  • Senior executives and high earners : To optimise a tax burden (income tax/IFI) that has become confiscatory.
  • Expatriates : To manage the complexity of international tax treaties.

    • As a general rule, access to a quality private wealth management service is triggered from €250,000 in financial assets, although it is the complexity of the situation (holding company, complex real estate, blended family) that truly justifies this level of support.

    The services included: far more than investment selection

    A private wealth management mandate at Balmont Conseil is not limited to choosing shares or bonds. Our approach is holistic and rests on:

  • The Comprehensive Wealth Audit : A 360° diagnosis (civil, fiscal, economic) to identify areas of vulnerability.
  • Tax Optimisation : Ring-fencing strategies, use of real-estate tax incentives (Malraux, Déficit Foncier) or financial ones (PER, Luxembourg life insurance).
  • Legal Structuring : Setting up wealth-holding companies, drafting shareholders' agreements or implementing a Pacte Dutreil for business succession.
  • Asset Allocation Strategy : Access to open architecture to select the best global funds, off the beaten banking track.

    • A word of caution : Be aware that wealth optimisation is not an exact science. An arrangement such as a gift prior to sale or the use of a foreign holding company depends on a careful reading of 2026 case law. Without a tailored audit, you expose yourself to a risk of reclassification for abuse of law. [Request a situation diagnosis]

    France's first AI-augmented advisory firm

    Why choose a specialist firm rather than a private bank?

    Trust is built on genuine alignment. A private bank, however prestigious, often remains captive to its "in-house" products.

    A specialist private wealth management firm (CGPI) works for you, not for a brand. We select solutions on a single criterion: mathematical efficiency. At Balmont Conseil, we add to this an open-architecture approach and the power of AI to run "Stress Tests" on your contracts and simulate your future standard of living under various economic scenarios.

    Comparison: Conventional bank vs. private real-estate wealth management

    Service
    Retail Bank
    Balmont Private Wealth Management
    Client relationship
    Standardised / High turnover
    Long-term partnership with Alexis Sagnier
    Legal Engineering
    Limited to simple cases
    Specialisation (Business Sale, Expatriation, Succession)
    Architecture
    Closed (Group products)
    Open (Global & Institutional market)
    Technology
    Basic
    Predictive AI & algorithmic audit

    How can I access your private wealth management services?

    The relationship does not begin with a subscription, but with a conversation. The process at Balmont Conseil is rigorous:

    Processus

  • Discovery meeting : Understanding your challenges and your wealth-related "pain points".
  • Engagement letter : Defining the exact scope of our involvement (full transparency of fees).
  • Audit and Strategy : Delivery of your tailored recommendations, validated by our technological tools.

    • Alexis Sagnier's view :
    "Optimisation is only effective when it brings peace of mind. In 2026, an adviser's added value no longer lies in access to information — it is everywhere — but in the ability to analyse it in order to secure your wealth against legislative uncertainty."

    What is the real cost of private wealth management? 

    The cost is generally split between advisory fees (for the engineering) and management fees (for the investments). Transparency is complete: every euro invested must be justified by a tax gain, enhanced protection or superior performance.

    Can I keep my current bank while working with Balmont? 

    Yes. We often act as "conductor" or external adviser to audit what is being done elsewhere and to bring technical expertise (e.g. optimisation of the director's remuneration) that your bank does not command.

    How does Balmont Conseil's AI secure my investments? 

    Our AI scans annual reports, tax developments and the performance of thousands of funds to detect weak signals of risk. It allows us to rebalance your assets well before crises make the headlines.

    Towards augmented private wealth management

    In 2026, holding wealth without a strategy means sailing blind. Private wealth management is the sextant that lets you hold your course, whatever the fiscal storms. My role is to transform this complexity into a structure that is solid, liquid and transmissible.

    Optimisation is only effective when it brings peace of mind. My role is to secure your wealth against the changes of 2026.


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    Alexis Sagnier

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

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    Sources & References:

    • French General Tax Code (CGI) : Article 155 B.
    • Official Bulletin of Public Finances (BOFiP) : Inbound-expatriate (impatrié) regime (BOI-RSA-GEO-40).
    • 2025 Finance Act : Analysis of recent developments.
    • Case law on inbound expatriation : Conseil d'État rulings on the reference remuneration.
    • ANACOFI Member Handbook : Wealth-engineering advisory standards.

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    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 here to listen.
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