Wealth Management for Senior Executives and Company Directors

EN SAVOIR PLUS

“Alexis, I earn a very good living, but between my bonuses, my stock options and my 12-hour days, I have no time to optimise my assets. I feel that tax is eating away at all my savings efforts. How can I secure my future and that of my children without giving up my weekends?”

This challenge is the daily reality of the senior executives and company directors we support at Balmont Conseil. Your profile is unique: you have a high, regular savings capacity, but your time is your scarcest resource. Above all, your wealth is often "unbalanced" by heavy exposure to your own company (free shares, employee savings schemes) and by tax pressure that reaches its peak.

With our AI-Augmented Wealth Engineer, our mission is to become the architect of your wealth strategy. We do not simply offer you products; we design a bespoke wealth strategy that reconciles your professional ambitions with your life plans.

Analyse personnalisée

Why is wealth management crucial for executives?

For an executive, wealth is not merely a store of money — it is an engine of freedom. Rigorous financial planning for an executive addresses three major challenges:

  • Optimising tax pressure : With a marginal tax rate (TMI) often at 30%, 41% or 45%, every euro invested must be invested with maximum tax efficiency.
  • Preparing for a retirement that is often "endured" : The gap between your final salary and your pension will be considerable. Anticipating this loss of income is an absolute priority from the age of 40.
  • Protecting family wealth : Should life take an unexpected turn, your family must be able to maintain its standard of living thanks to a robust protection and transmission strategy.

    • The specific challenges: beyond conventional saving

    Wealth management for executives differs from generalist management in the complexity of the assets involved:

    Optimising complex remuneration

    Bonuses, stock options, free shares (AGA) or founder’s warrants (BSPCE)... these components of remuneration are remarkable wealth accelerators, but they are subject to shifting and complex taxation. A wealth audit makes it possible to optimise the timing of their exit.

    Employee savings schemes for executives

    PEE, PERCO, employer top-ups... these schemes are often underused. A tailored wealth allocation within these envelopes can turn "dormant" savings into a major compounding lever.

    Mobility and expatriation

    Many senior executives are required to work abroad. This calls for a command of international tax treaties in order to avoid double taxation and to secure the portability of your life insurance or retirement savings plan.

    Our strategies: concrete solutions for high earners

    At Balmont Conseil, we deploy segmented investment strategies to meet your objectives for wealth growth.

    Buy-to-let investment for executives

    The leverage of credit is your best ally. We favour solutions with high tax value:

  • The LMNP (furnished lettings) status: To generate lightly taxed income thanks to depreciation.
  • Property deficit (déficit foncier) or the Malraux Law: For executives whose priority is an immediate reduction in tax pressure.
  • Bare ownership (nue-propriété): Ideal for building capital without increasing your income tax or your IFI during your working years.

    • Financial asset allocation

    We step off the beaten track of high-street banks to offer you genuine asset diversification:

  • Private Equity : Access the best-performing asset classes, once reserved for institutional investors.
  • Wealth management for senior executives : Access to bespoke discretionary mandates and to open-architecture savings vehicles.

    • What an open-architecture advisory firm brings

    When should you seek advice?

    Why choose Balmont Conseil rather than your traditional private bank?

    1. Complete transparency : As an open-architecture firm, we have no "in-house" product to place. Our only compass is your interest.
    2. A holistic management approach : We look not only at your investments, but also at your legal protection, your matrimonial regime and your succession planning.
    3. Wealth Risk Management: We use AI to simulate crisis scenarios and check the resilience of your wealth.
    4. Time saved: We coordinate your various advisers (chartered accountant, notary, tax lawyer).

    There is no "small" estate that is too modest to start managing well. However, engaging a specialist wealth management advisory firm becomes essential as soon as:

  • Your annual income exceeds €80,000.
  • Your monthly savings capacity exceeds €1,500.
  • You hold complex assets (stock options, directly held property).
  • You wish to delegate tax and regulatory monitoring.

    • FAQ : Your questions as executives and directors

    What are the best tax-saving options for a senior executive?

    How do I prepare for retirement when it is still a long way off?

    Is it risky to hold too many shares in my own company?

    How do I optimise the transmission of my wealth?

    What is the Balmont wealth audit?

    Your trajectory deserves engineering of excellence

    Your professional success is the fruit of your expertise. Your wealth success should be the fruit of ours. At Balmont Conseil, we turn the complexity of your executive status into an opportunity to build a lasting legacy.

    Ready to take back control of your assets?

    Book a meeting with Alexis Sagnier for your Initial Wealth Audit

    Alexis Sagnier

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

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    Sources & Références :

    • income taxation (wages & salaries)

    • AGA / BSPCE

    • PER / retirement taxation

    Voir

    Prêt à structurer votre futur ?

    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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