{"id":1282,"date":"2026-03-02T23:05:42","date_gmt":"2026-03-02T22:05:42","guid":{"rendered":"https:\/\/balmontconseil.com\/?page_id=1282"},"modified":"2026-08-26T18:45:15","modified_gmt":"2026-08-26T16:45:15","slug":"bilan-patrimonial","status":"publish","type":"page","link":"https:\/\/balmontconseil.com\/en\/ingenierie-patrimoniale\/bilan-patrimonial\/","title":{"rendered":"Asset assessment"},"content":{"rendered":"<p class=\"wp-block-paragraph\">\u00abAlexis, I know I\u2019ve accumulated some assets, but if you asked me today what my actual net worth is after taxes and debts, I wouldn\u2019t be able to tell you. I have savings accounts scattered everywhere, real estate investments whose net profitability I don\u2019t know, and I don\u2019t know if my current financial structure is helping or hindering my plans. Where do we even begin?\u00bb<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Are you selling your business and worried about capital gains tax? Are you an expatriate navigating the complexities of international tax treaties? Or perhaps your real estate assets have become too much of a tax burden under the weight of the French wealth tax (IFI)?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">THE <strong>asset assessment<\/strong> This is not a mere administrative formality. It is the primary act of protecting your capital. At Balmont Conseil, we don&#039;t just list figures; we analyze them. <strong>a body of evidence<\/strong> which makes your situation unique.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>1. What is a wealth assessment? Definition<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The asset assessment is a <strong>comprehensive, valued and categorized inventory<\/strong> of everything you own (your assets) and everything you owe (your liabilities) at a specific moment.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Unlike a simple bank statement, it incorporates three inseparable dimensions:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>The economic dimension:<\/strong> What is the market value of your assets (real estate, financial, professional)?<\/li>\n\n\n\n<li><strong>The legal dimension:<\/strong> How do you own these assets? (Personal name, SCI, holding company, division of ownership, community of acquired property, etc.).<\/li>\n\n\n\n<li><strong>The fiscal dimension:<\/strong> What is the latent &quot;charge&quot; on these assets (property income tax, wealth tax, unrealized capital gains)?<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">What exactly does a wealth assessment contain?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">To create an accurate picture of your wealth, we segment the data into four pillars:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Real Estate Assets:<\/strong> Main residence, rental investments (unfurnished or furnished), SCPI, land.<\/li>\n\n\n\n<li><strong>Financial Assets:<\/strong> Liquid assets, life insurance (euro funds and unit-linked funds), securities accounts, PEA, Retirement Savings Plan (PER).<\/li>\n\n\n\n<li><strong>Professional Assets:<\/strong> Shares in companies, business assets, commercial real estate, holding companies.<\/li>\n\n\n\n<li><strong>The Liabilities:<\/strong> Mortgage loans, overdrafts, tax debts, guarantee commitments.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">The objectives: Why put yourself through this inventory?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The goal is not to collect numbers, but to bring out... <strong>health indicators<\/strong> :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Liquidity:<\/strong> In the event of a crisis, what portion of your assets can be mobilized within 48 hours?<\/li>\n\n\n\n<li><strong>Net Return:<\/strong> Does your rented apartment really generate 4% after taxes and charges are deducted?<\/li>\n\n\n\n<li><strong>Exposure to risk:<\/strong> Are you too dependent on a single sector (e.g., 90% real estate in France)?<\/li>\n<\/ul>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">\u00ab&quot;A wealth assessment is only valuable if it is honest. My role is to uncover hidden liabilities and unproductive assets in order to transform an accumulation of assets into a real capital-building strategy.&quot;\u00bb<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">What is the difference between a balance sheet and a wealth audit?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">These two steps are often confused. However, in wealth management, they serve radically different functions. While the balance sheet is a <strong>photography<\/strong>, The audit is the <strong>scenario of your financial future<\/strong>.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">The Asset Assessment: The &quot;Snapshot&quot; (Static)<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">The balance sheet is a purely accounting and legal statement. It is the &quot;What&quot;.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>His mission:<\/strong> To identify, to value and to classify.<\/li>\n\n\n\n<li><strong>The deliverable:<\/strong> A technical document that establishes your <strong>net worth<\/strong> (Assets \u2013 Liabilities).<\/li>\n\n\n\n<li><strong>Its usefulness:<\/strong> Knowing precisely what you have at any given moment is like having a raw database. Without an inventory, you&#039;re navigating without instruments; but with an inventory alone, you have the instruments but no way to chart a course.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">The Asset Audit: The &quot;Scenario&quot; (Dynamic)<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">An audit is a critical and forward-looking analysis. It&#039;s the &quot;How&quot;.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>His mission:<\/strong> Let the numbers speak for themselves. The audit examines the consistency of your balance sheet in relation to your life plans (expatriation, sale of business, transfer).<\/li>\n\n\n\n<li><strong>The deliverable:<\/strong> A strategy for movement, legal recommendations and tax arbitration.<\/li>\n\n\n\n<li><strong>Its usefulness:<\/strong> Detect the <strong>latent risks<\/strong>. For example, a balance sheet shows that you own a building worth \u20ac1 million. The audit reveals that this building, held in your own name, generates 45% in taxes and that in the event of your death, your heirs will have to sell it to pay inheritance taxes.<\/li>\n<\/ul>\n<\/blockquote>\n\n\n\n<h3 class=\"wp-block-heading\">Summary of key differences<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><td><strong>Characteristic<\/strong><\/td><td><strong>Asset Assessment<\/strong><\/td><td><strong>Asset Audit<\/strong><\/td><\/tr><\/thead><tbody><tr><td><strong>Central question<\/strong><\/td><td>\u00ab&quot;What do I own?&quot;\u00bb<\/td><td>\u00ab&quot;Is this optimal for my projects?&quot;\u00bb<\/td><\/tr><tr><td><strong>Approach<\/strong><\/td><td>Quantitative (Numbers)<\/td><td>Qualitative (Strategy)<\/td><\/tr><tr><td><strong>Tax focus<\/strong><\/td><td>Amount of taxes paid<\/td><td>Levers of\u2019<strong>tax optimization<\/strong><\/td><\/tr><tr><td><strong>Civil focus<\/strong><\/td><td>Inventory of goods<\/td><td>Analysis of <strong>a body of evidence<\/strong> (marriage, inheritance)<\/td><\/tr><tr><td><strong>Balmont Tool<\/strong><\/td><td>Data entry and consolidation<\/td><td>Simulation of scenarios via\u2019<strong>AI Balmont<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>Alexis Sagnier&#039;s opinion:<\/strong> <em>\u00ab&quot;The assessment is a necessary step, but the audit is the crucial one. An assessment without an audit is like having an MRI without anyone interpreting it: you have an image of your assets, but you don&#039;t know if a tax pathology is eating away at them.&quot;\u00bb<\/em><\/p>\n<\/blockquote>\n\n\n\n<h4 class=\"wp-block-heading\">Warning: The trap of the &quot;Free Assessment&quot;\u00ab<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Warning: Many companies offer &quot;free financial assessments&quot; online. These are often simply data collection forms designed to sell you a standardized financial product (life insurance, real estate investment trust). A real scam <strong>comprehensive asset audit<\/strong> This requires a cross-analysis of your marital property regime, company statutes, and income streams. Only an expert can guarantee that the proposed arrangement will not be reclassified by the tax authorities in 2026.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>2. Who is this engineering service intended for?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The audit is intended for anyone whose situation presents a certain complexity or requires arbitration:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Business Leaders and Executives:<\/strong> For whom the <strong>professional assets<\/strong> and private life are often intertwined. The challenge here is to organize the protection of the spouse or to prepare for <strong>LBO\/OBO strategies<\/strong>.<\/li>\n\n\n\n<li><strong>Executives and Professionals:<\/strong> Concerned about\u2019<strong>tax optimization<\/strong> and of the <strong>retirement preparation<\/strong>.<\/li>\n\n\n\n<li><strong>Families and Investors:<\/strong> Wishing to organize a <strong>inheritance<\/strong> fluid or protect their loved ones via <strong>drafting of protection mandates<\/strong> or the <strong>will writing<\/strong>.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>3. The Balmont Methodology: The Alliance of Humans and AI<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">To carry out your assessment, we follow a rigorous protocol:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Step 1: Collection and Comprehensive Audit of Assets<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">We gather all your asset documents: property titles, portfolio statements, company statutes. This step allows us to define your <strong>heritage resources and objectives<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Step 2: AI Processing by Balmont<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">We use the\u2019<strong>AI Balmont<\/strong>, our proprietary tool, to simulate thousands of market and tax scenarios. This allows us to identify inconsistencies that the human eye might miss, particularly in the\u2019<strong>balanced asset allocation<\/strong> and the <strong>liability management<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Step 3: Arbitrage and Wealth Management Strategy<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The tool never replaces the expert. My role is to arbitrate the AI results and design a <strong>personalized approach<\/strong>. This is where we decide, for example, on the relevance of a <strong>retirement savings plan (PER)<\/strong> compared to restructuring your real estate through a SCI subject to corporate income tax.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Who should carry out your financial statement?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Although you can list your accounts yourself, the <strong>consultant <a href=\"https:\/\/balmontconseil.com\/en\/gestion-de-patrimoine\/\">wealth management<\/a> (CGP)<\/strong> brings the necessary cross-functional perspective. Unlike a banker who is limited to the products they sell, or a notary who focuses on the legal document, the wealth management expert at Balmont Conseil acts like an architect. We coordinate all your advice for a <strong>investment strategy<\/strong> consistent.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Key moments to act:<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Career Transition:<\/strong> Sale of company, transition to a holding company.<\/li>\n\n\n\n<li><strong>Family Change:<\/strong> Marriage, divorce, birth, <strong>children&#039;s study planning<\/strong>.<\/li>\n\n\n\n<li><strong>Expatriation or Impatriation:<\/strong> A tax residency audit is necessary.<\/li>\n\n\n\n<li><strong>Retirement Preparation:<\/strong> To compensate for the anticipated drop in revenue.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>4. How much does a wealth assessment cost?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">At the house of <strong>Balmont Conseil<\/strong>, We are direct: the price of a wealth assessment depends strictly on the complexity of your structure (holding company, real estate abroad, blended family) and the expertise involved.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">By 2026, the market will be divided into three distinct categories. Understanding what you&#039;re paying for is the first step towards a <strong>wealth management strategy<\/strong> healthy.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">1. The Free &quot;Assessment&quot; (The commission model)<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Many retail banks or online platforms offer free balance sheets.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>The real cost:<\/strong> 0 \u20ac.<\/li>\n\n\n\n<li><strong>The trap:<\/strong> This isn&#039;t advice, it&#039;s a sales pitch. The goal is to collect your data to sell you a product (in-house life insurance, partner SCPI).<\/li>\n\n\n\n<li><strong>The risk:<\/strong> The lack of impartiality. The &quot;advisor&quot; is paid a commission on the product he sells you, and not on the relevance of the structure he proposes.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">2. The Standard Balance Sheet (The flat-rate model)<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Intended for traditional private assets (main residence + some financial investments).<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>The average cost:<\/strong> Between <strong>\u20ac500 and \u20ac1,500 excluding VAT<\/strong>.<\/li>\n\n\n\n<li><strong>The content:<\/strong> A detailed inventory, an analysis of your <strong>personal situation<\/strong> and some basic tax optimization strategies.<\/li>\n\n\n\n<li><strong>For whom?<\/strong> Executives or professionals who want a clear overview before making an investment decision.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">3. The High Value Added Balance Sheet (The\u2019<a href=\"https:\/\/balmontconseil.com\/en\/ingenierie-patrimoniale\/\">Asset Engineering<\/a>)<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">This is where my expertise and\u2019<strong>AI Balmont<\/strong> they intervene for business leaders, holding company owners or expatriates.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>The cost:<\/strong> From <strong>\u20ac2,500 excluding VAT<\/strong>, which can go much further depending on the volume of assets and international issues.<\/li>\n\n\n\n<li><strong>The content:<\/strong> * Consolidation of multi-jurisdictional assets.\n<ul class=\"wp-block-list\">\n<li>Analysis of <strong>a body of evidence<\/strong> legal (<a href=\"https:\/\/balmontconseil.com\/en\/transmission-protection\/pacte-dutreil\/\">Dutreil Pact<\/a>, dismemberment, quasi-usufruct).<\/li>\n\n\n\n<li>Simulations of tax stress tests using AI.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>The objective:<\/strong> It&#039;s no longer a cost, it&#039;s an investment. The gain generated by avoiding a tax or inheritance error is often ten to twenty times greater than the fees.<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>Alexis Sagnier&#039;s opinion:<\/strong> <em>\u00ab&quot;If you think advice is expensive, try ignorance. In 2026, a structuring error in a company sale or a poorly planned inheritance could cost hundreds of thousands of euros in transfer taxes or recovery costs.&quot;\u00bb<\/em><\/p>\n<\/blockquote>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">Why fees rather than commissions?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">At the house of <strong>Balmont Conseil<\/strong>, We prioritize transparency in our fees. Why? Because it guarantees our <strong>personalized approach<\/strong>. When you pay for a financial statement, you are buying brain time and legal expertise, not an entry ticket to a financial product.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Attention :<\/strong> A complex financial statement often requires the coordinated intervention of your accountant or notary. The cost may then include these interprofessional services to guarantee a <strong>comprehensive asset audit<\/strong> unassailable.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>5. The Balmont Methodology: The 5 steps of your strategy<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A thorough audit cannot be improvised. It follows a <strong>methodology<\/strong> rigorous:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Data Collection and Discovery (Data Catching):<\/strong> We gather all the documents for your file (notarized deeds, bank statements, tax assessments, company statutes). This is the moment for the <strong>reflecting on your life plans<\/strong>.<\/li>\n\n\n\n<li><strong>Asset and Liability Valuation:<\/strong> We are carrying out a <strong>full analysis<\/strong> : real estate valuation, <strong>real estate rental assessment<\/strong>, analysis of <strong>life insurance products<\/strong> and <strong>employee savings solutions<\/strong>.<\/li>\n\n\n\n<li><strong>The Diagnosis (The \u00abGap Analysis\u00bb):<\/strong> This is where we identify inconsistencies. Is your life insurance policy compliant with current tax law? Is your real estate holding strategy optimal with regard to the French wealth tax (IFI)?<\/li>\n\n\n\n<li><strong>Co-creating Wealth Management Strategies:<\/strong> We are developing several <strong>tax simulation scenarios<\/strong> and financial. It&#039;s a job of <strong>co-creation<\/strong> between you and your advisor.<\/li>\n\n\n\n<li><strong>Delivery and Tracking:<\/strong> We will provide you with a detailed written report (engagement letter). The audit is only a starting point: it calls for a <strong>regular monitoring of assets<\/strong> to adapt to changes in <strong>French regulation<\/strong> or of life.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>FAQ: Your questions about the wealth assessment<\/strong><\/h2>\n\n\n\n<h4 class=\"wp-block-heading\" role="heading" aria-level="3"><strong>1. What is the real difference between a private bank&#039;s balance sheet and that of Balmont Conseil?<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Private banks often conduct a &quot;product&quot; review: they analyze your assets to verify if they align with their own investment solutions. <strong>Balmont Conseil<\/strong>, We are conducting a &quot;structural&quot; assessment. We are analyzing the <strong>a body of evidence<\/strong> Legal aspects (matrimonial clauses, holding company statutes, cross-border taxation) that banks often overlook. Our approach is that of an engineer, not a salesperson.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>2. Why do a wealth assessment if I only have real estate?<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">This is precisely where the risk is highest. Real estate is the most heavily taxed asset in France (wealth tax, social security contributions, property taxes). A financial statement allows you to calculate your Internal Rate of Return (IRR) net of taxes. Often, this statement reveals that holding real estate in your own name is an economic aberration and that transferring ownership to a third party is the better option. <strong>civil society (SCI)<\/strong> or a <strong>division of ownership<\/strong> would save a significant portion of your capital.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>3. Doesn&#039;t my accountant already do this work?<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Your chartered accountant manages the compliance of your business financial statements. They have a &quot;business&quot; tax perspective. My role is to ensure the connection between your business assets and your <strong>personal situation<\/strong>. Wealth engineering harmonizes these two worlds: how to withdraw funds from your holding company without incurring a massive flat tax? How to protect your spouse without jeopardizing your business? That&#039;s where I come in.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>4. Does the Balmont AI replace Alexis Sagnier&#039;s human expertise?<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Absolutely not.\u2019<strong>AI Balmont<\/strong> It&#039;s a computing power accelerator. It allows us to stress-test your assets against 1,000 market or tax scenarios in seconds. But the final decision\u2014the one that impacts your family and your future\u2014remains entirely human. AI proposes, the expert decides.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>5. How long does it take to complete a full assessment?<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Everything depends on the responsiveness of the document collection process. Once the documents are gathered (tax notices, articles of association, statements), we deliver the report and initial recommendations.\u2019<strong>financial audit<\/strong> within 15 days. This is the time needed for the analysis to be thorough and not automated.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>6. Is the asset statement tax-deductible?<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">In certain specific arrangements, particularly if the financial statements are prepared within the framework of managing a professional structure (holding company), consulting fees can be covered by the company, thereby reducing taxable income. This is a point we systematically confirm during our initial consultation.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>Alexis Sagnier&#039;s opinion:<\/strong> <em>\u00ab&quot;The question is not whether you need a balance sheet, but whether you can afford the luxury of not knowing where you stand. By 2026, blindness will be the number one tax expenditure.&quot;\u00bb<\/em><\/p>\n<\/blockquote>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u26a0\ufe0f Warning: Data obsolescence<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Warning: An assessment carried out more than two years ago is now obsolete. The 2025 tax reforms and new case law on tax avoidance have changed the landscape for inheritances and rental investments. Do not base your future decisions on yesterday&#039;s figures.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Conclusion: From observation to taking control of your financial destiny<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">THE <strong>asset assessment<\/strong> This is not an end in itself; it is the vital diagnosis that precedes intervention. In an economic world where taxation and the markets of 2026 no longer tolerate amateurism, remaining unclear about the true composition of your assets is a risk you can no longer afford.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Carrying out this inventory at <strong>Balmont Conseil<\/strong>, It means choosing not to be a passive recipient of events\u2014whether an unexpected tax reform or a change in personal circumstances\u2014but to anticipate them. Thanks to the alliance of the\u2019<strong>AI Balmont<\/strong> and with high-level engineering expertise, we transform your numbers into a solid, agile and protective architecture for you and your loved ones.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Remember that assets that are not regularly monitored are assets that erode. The assessment is the cornerstone of your strategy for independence and succession. Once the initial assessment is complete, we can then move on to the next step.\u2019<strong><a href=\"https:\/\/balmontconseil.com\/en\/ingenierie-patrimoniale\/audit-patrimonial-global\/\">asset audit<\/a><\/strong> : the stage where we activate the levers of growth and protection that will make the difference in the long term.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>Alexis Sagnier&#039;s opinion:<\/strong> <em>\u00ab&quot;My ambition is not simply to count what you have, but to ensure that what you have truly serves your ambitions. The assessment brings clarity; my guidance brings serenity.&quot;\u00bb<\/em><\/p>\n<\/blockquote>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Secure your path today<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Don&#039;t let a structuring error or a tax oversight jeopardize years of effort. A feasibility audit is the best investment you can make to validate the viability of your current organization.<\/p>","protected":false},"excerpt":{"rendered":"<p>\u00ab Alexis, je sais que j\u2019ai accumul\u00e9 un certain patrimoine, mais si vous me demandiez aujourd&rsquo;hui ma valeur nette r\u00e9elle apr\u00e8s fiscalit\u00e9 et dettes, je serais incapable de vous r\u00e9pondre. J&rsquo;ai des<span class=\"excerpt-hellip\"> [\u2026]<\/span><\/p>\n","protected":false},"author":2,"featured_media":0,"parent":65,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-1282","page","type-page","status-publish","hentry"],"acf":[],"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/balmontconseil.com\/en\/wp-json\/wp\/v2\/pages\/1282","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/balmontconseil.com\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/balmontconseil.com\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/balmontconseil.com\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/balmontconseil.com\/en\/wp-json\/wp\/v2\/comments?post=1282"}],"version-history":[{"count":1,"href":"https:\/\/balmontconseil.com\/en\/wp-json\/wp\/v2\/pages\/1282\/revisions"}],"predecessor-version":[{"id":1283,"href":"https:\/\/balmontconseil.com\/en\/wp-json\/wp\/v2\/pages\/1282\/revisions\/1283"}],"up":[{"embeddable":true,"href":"https:\/\/balmontconseil.com\/en\/wp-json\/wp\/v2\/pages\/65"}],"wp:attachment":[{"href":"https:\/\/balmontconseil.com\/en\/wp-json\/wp\/v2\/media?parent=1282"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}