{"id":254,"date":"2026-01-29T13:08:07","date_gmt":"2026-01-29T12:08:07","guid":{"rendered":"https:\/\/balmontconseil.com\/?page_id=254"},"modified":"2026-08-26T18:45:30","modified_gmt":"2026-08-26T16:45:30","slug":"audit-patrimonial-global","status":"publish","type":"page","link":"https:\/\/balmontconseil.com\/en\/ingenierie-patrimoniale\/audit-patrimonial-global\/","title":{"rendered":"Comprehensive wealth audit"},"content":{"rendered":"<p class=\"wp-block-paragraph\">\u00abAlexis, I feel like I\u2019m navigating blindly. I have real estate, life insurance policies opened ten years ago, a holding company that\u2019s starting to build capital\u2026 but how does it all fit together if I decide to sell my company or move abroad?\u00bb<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">I hear this question at every first meeting. Many clients own high-performing assets, but few benefit from a genuine <strong>comprehensive wealth approach<\/strong>. At the house of <strong>Balmont Conseil<\/strong>, We believe that wealth is not simply an accumulation of financial or real estate products; it is a living organism that requires an overall plan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L&#039;\u2019<strong>comprehensive wealth audit<\/strong> is the cornerstone of our &quot;Augmented Advisor&quot; method. It&#039;s neither a quick diagnosis nor a simple simulation: it&#039;s a <strong>strategic support<\/strong> high-precision that transforms your assets into a coherent system serving your <strong>life plans<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>1. What is a comprehensive asset audit?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The comprehensive wealth audit (often called <strong><a href=\"https:\/\/balmontconseil.com\/en\/ingenierie-patrimoniale\/bilan-patrimonial\/\">asset assessment<\/a> 360\u00b0<\/strong>) is a comprehensive and cross-cutting study of your situation. Unlike a simple &quot;product&quot; approach, the audit analyzes the interaction between your different spheres: civil, fiscal, economic and social.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">At Balmont Conseil, we use the\u2019<strong>artificial intelligence<\/strong> to process the mass of data from your <strong>family and financial situation<\/strong>, but human expertise remains the &quot;conductor&quot; to validate the relevance of the <strong>personalized wealth management strategy<\/strong>. This is a <strong>comprehensive asset analysis<\/strong> which aims to detect dormant risks and identify untapped performance levers.<\/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><a href=\"https:\/\/balmontconseil.com\/en\/transmission-protection\/\">inheritance<\/a><\/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. Objectives and Benefits: Why put your assets through a &quot;Stress Test&quot;?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Conducting an audit provides a 360\u00b0 view of:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Securing the future:<\/strong> Check the suitability of your <strong>matrimonial regime<\/strong> with your current objectives and ensure the <strong>protection of loved ones<\/strong>.<\/li>\n\n\n\n<li><strong>Optimizing &quot;Net-Net&quot; yield:<\/strong> Reducing tax friction through a <strong><a href=\"https:\/\/balmontconseil.com\/en\/gestion-de-patrimoine\/\">tax optimization<\/a><\/strong> cutting edge (income tax, IFI).<\/li>\n\n\n\n<li><strong>Valuing assets:<\/strong> To proceed with <strong>diversification of investments<\/strong> and one <strong>real estate investment audit<\/strong> to maximize the <strong>asset valuation<\/strong>.<\/li>\n\n\n\n<li><strong>Preventing conflicts:<\/strong> Anticipating the <strong>estate planning<\/strong> to reduce transfer taxes and avoid the unavoidable joint ownership.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>4. 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>5. A Multidimensional Analysis: The Pillars Examined<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">L&#039;\u2019<strong>comprehensive wealth audit<\/strong> leaves no room for ambiguity:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Civil Analysis:<\/strong> Study of <strong>matrimonial regime<\/strong>, beneficiary clauses and provisions of last will and testament.<\/li>\n\n\n\n<li><strong>Tax Analysis:<\/strong> Income tax, IFI and wealth tax assessment <strong>strategies <a href=\"https:\/\/balmontconseil.com\/en\/ressources\/etudes-de-cas-patrimoniales\/defiscalisation-des-hauts-revenus-strategies-et-optimisation\/\">tax exemption<\/a><\/strong> ethics.<\/li>\n\n\n\n<li><strong>Economic Analysis:<\/strong> <strong>Assessment of associated risks<\/strong> to your investments and search for a better <strong>diversification of investments<\/strong>.<\/li>\n\n\n\n<li><strong>Social Analysis:<\/strong> <strong>Adjustment of pension plan<\/strong> and a retirement assessment to guarantee your future standard of living.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>6. How much does a comprehensive wealth audit cost?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A true consulting audit is a service remunerated by fees. Unlike a bank, which earns its revenue through the sale of a product, the <strong>wealth management firm<\/strong> bills for his time and expertise.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The cost varies depending on the complexity of the case (presence of <strong>professional assets<\/strong>, of type structures <strong>holding<\/strong>, complex real estate or international issues). At Balmont Conseil, we advocate the <strong>total transparency<\/strong> The quote is prepared immediately after the initial consultation. Consider this audit not as a cost, but as an investment: the gain generated by the\u2019<strong>planning for the transfer of heritage<\/strong> or the tax savings almost always far exceed the fees.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>7. How to choose the right professional?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">For your <strong>wealth consultation<\/strong>, Demand guarantees:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Independence:<\/strong> Ensure that the advisor works within an open architecture framework (member of the\u2019<strong>ANACOFI<\/strong> For example).<\/li>\n\n\n\n<li><strong>Multidisciplinary Expertise:<\/strong> Your advisor must be able to communicate with your notary or accountant.<\/li>\n\n\n\n<li><strong>Technology:<\/strong> A <strong>AI-enhanced advisor<\/strong> will provide you with superior responsiveness and depth of analysis on the <strong>tax simulation scenarios<\/strong>.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>FAQ: Your questions about the Wealth Audit<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Q1. What is the difference between a balance sheet and a wealth audit?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The balance sheet is a snapshot at time T. The comprehensive wealth audit is a film: it projects your situation over time, simulates events (sale, death, retirement) and proposes concrete corrective solutions.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Q2. Is it reserved for the very wealthy?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">No. As soon as you own a primary residence, have savings, or are planning to pass on your assets, an audit is relevant. It&#039;s the asset analysis that allows you to avoid wasting your savings efforts.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Q3. What steps should I take to get started?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Simply contact us for a free initial wealth management consultation. Together, we will define the scope of the analysis.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Q4. Does the audit include the optimization of inheritance tax?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Absolutely. That&#039;s one of the key strengths of estate planning. We aim to recover inheritance tax through mechanisms such as the division of ownership rights or corporate structures.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Conclusion: Take a step back and look at your financial situation from a broader perspective.<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Heritage is architecture, and we are its guardians. Don&#039;t let chance or regulatory obsolescence dictate your financial future.\u2019<strong>comprehensive wealth audit<\/strong> is the ultimate tool to transform your assets into a lever of serenity.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Your assets deserve a tailored strategy.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Schedule an appointment for your personalized wealth audit with Alexis Sagnier.<\/p>","protected":false},"excerpt":{"rendered":"<p>\u00ab Alexis, j\u2019ai l\u2019impression de naviguer \u00e0 vue. J\u2019ai de l\u2019immobilier, des contrats d\u2019assurance-vie ouverts il y a dix ans, une holding qui commence \u00e0 capitaliser&#8230; mais comment tout cela s&rsquo;articule-t-il si<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-254","page","type-page","status-publish","hentry"],"acf":[],"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/balmontconseil.com\/en\/wp-json\/wp\/v2\/pages\/254","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=254"}],"version-history":[{"count":2,"href":"https:\/\/balmontconseil.com\/en\/wp-json\/wp\/v2\/pages\/254\/revisions"}],"predecessor-version":[{"id":1491,"href":"https:\/\/balmontconseil.com\/en\/wp-json\/wp\/v2\/pages\/254\/revisions\/1491"}],"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=254"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}