Asset health check: Is your asset base truly sound?

Conduct your financial health assessment

Answer a series of short questions about your situation: available savings, investment allocation, family situation, tax status, retirement horizon, and any international dimension. The tool calculates your score for each of the 7 pillars and indicates your priorities. Your answers are neither stored nor shared.

Why a wealth site must be assessed like an architecture

Most savers assess their assets using a single figure: their total value. This is akin to judging the structural integrity of a building by its footprint. However, assets, like a building, depend—or don't depend—on their structure.

Two households with the same capital of €600,000 can have radically different levels of financial stability. The first has 80% of its capital tied up in a single asset, no assurance-vie, and a tax burden that reduces its return by 2 percentage points per year. The second has the same amount, but spread across diversified investments, a carefully planned assurance-vie policy, and an already established estate planning strategy. The amount is identical. The financial stability is completely different.

The property health assessment exists to make this structure visible. It doesn't judge how much you have: it evaluates how it's built, and where the cracks are.

The 7 pillars of healthy wealth

Pillar 1 — Precautionary Liquidity

Do you have the equivalent of 3 to 6 months of operating expenses that can be drawn upon immediately? Neither less (risk of vulnerability), nor much more (opportunity cost of inaction). This is the foundation.

Pillar 2 — Asset allocation diversification

Is your capital spread across uncorrelated asset classes, or concentrated in a single asset class, sector, or geographical area? Concentration is the primary factor that makes a portfolio vulnerable.

Pillar 3 — Tax friction

Are your investments held in tax-optimized vehicles (assurance-vie, PEA, PER, capitalization contract) or are they subject to standard taxation? Poor tax planning inevitably costs money every year.

Pillar 4 — Planning and protecting loved ones

In the event of death or disability, will your family maintain its standard of living? Are loans covered, capital allocated, and the beneficiary clause up to date? This is the most frequently overlooked pillar — and the most costly to discover too late.

Pillar 5 — Retirement preparation

Has the gap between your current income and your future pension been identified and addressed? Is the retirement savings plan (PER), rental property, and capital income in place, and on the right scale?

Pillar 6 — Transmission Engineering

Is your estate structured for smooth transfer? Considerations include splitting ownership rights, gifts, and tailored beneficiary clauses., Dutreil pact For business leaders: does architecture anticipate, or will it be subjected to?

Pillar 7 — The international dimension

Do you have, or are you planning to have, an international presence—expatriation, assets abroad, cross-border income, accounts outside France? This aspect changes everything: tax treaties, exit tax, declarations. It's Balmont Conseil's specialty, and a crucial element that almost all standard financial statements overlook.

Case study: Claire and Julien, 45 and 47 years old, expatriate executives in Geneva

Claire and Julien have assets worth €720,000. On paper, they feel financially secure. Their financial statements reveal a more nuanced reality:

The diagnosis is unequivocal: their capital is comfortable, but their architecture is fragile on 4 out of 7 pillars. The two absolute priorities — international and transmission — are precisely those that no general public tool measures, and those where a poorly structured expatriation can cost tens of thousands of euros.

That's exactly what the summary makes visible in 5 minutes.

From score to action plan: what happens after the diagnosis

The assessment identifies and prioritizes weaknesses. The solution development then follows a three-step method:

1. Strengthening the weak pillars. A low score is a signal, not a complete diagnosis. For each pillar in alert, the analysis goes into detail: for Claire and Julien, this means modeling their exact exposure to Franco-Swiss double taxation and the impact of a possible return to France.
2. Prioritization based on ROI and risk. We don't tackle everything at once. We first address those projects that combine the highest financial stakes and the highest risk. A stress test of the assets allows us to rank the projects according to their actual priority.
3. The construction of the target architecture. Envelopes, legal structures, timetable. This is the wealth strategy proper — the one that transforms a fragile wealth into solid architecture.

Our enhanced asset intelligence performs a diagnostic assessment of the 7 pillars and models the scenarios. The strategy itself is developed and signed by Alexis Sagnier.

Designed by Alexis Sagnier

Wealth Management Advisor, member of ANACOFI. Specialist in international wealth management, Alexis assists executives, expatriates and expatriate managers in optimizing their financial structure.

The simulator incorporates the 2026 macroeconomic parameters (Livret A rate, INSEE inflation, PFU taxation) and the allocation models used by the firm.