\u00abAlexis, I\u2019ve invested everything in my company for the past 15 years. Today, it\u2019s worth several million, but I have almost nothing saved for myself and I don\u2019t know how I\u2019ll be taxed if I sell tomorrow.\u00bb<\/p>\n\n\n\n
This situation is a daily reality for the business leaders we support at Balmont Conseil<\/strong>. For a leader, the boundary between professional assets<\/strong> And private property<\/strong> is often porous, creating areas of major legal and tax risk.<\/p>\n\n\n\n As a\u2019Augmented Wealth Engineer<\/strong>, My mission is to reconcile your two worlds. Through artificial intelligence and top-tier legal expertise, we transform your entrepreneurial success into a lasting and secure family fortune.<\/p>\n\n\n\n Unlike an employee, a manager bears multiple risks. personalized wealth management strategy<\/strong> must address complex challenges:<\/p>\n\n\n\n We are involved in the entire life cycle of your company, from growth to sale.<\/p>\n\n\n\n It all begins with a study of the matrimonial property regimes<\/strong> and an analysis of your company's articles of association. We carry out a asset audit<\/a><\/strong> a 360\u00b0 review to verify the consistency between your life goals and your current legal structure.<\/p>\n\n\n\n We simulate different scenarios to optimize your immediate and future income:<\/p>\n\n\n\n Your surplus cash shouldn't just sit idle. We offer... cash investments<\/strong> via company securities accounts or capitalisation contracts to boost your balance sheet assets while maintaining the liquidity needed for operations.<\/p>\n\n\n\n Anticipation is the key for a savvy manager. An unprepared transfer can cost up to 45% of the company's value in transfer taxes.<\/p>\n\n\n\n THE Dutreil Pact<\/strong> Subject to a commitment to retain ownership, this allows for a 75% reduction on the taxable base of the transfer (gift or inheritance). It is an essential tool for ensuring the continuity of the family business.<\/p>\n\n\n\n The creation of a holding<\/strong> allows you to reinvest the profits of your operating company in real estate assets<\/strong> or financial investments with reduced tax friction (parent-subsidiary regime). The OBO, on the other hand, allows you to "sell the company to yourself" to free up personal cash while retaining control.<\/p>\n\n\n\n There wealth management<\/a><\/strong> For executives, there is no room for error. Working with an expert allows you to:<\/p>\n\n\n\n Q: How can I protect my family if my business encounters difficulties?<\/p>\n\n\n\n A: Strict separation of assets is fundamental. This involves a judicious choice of matrimonial property regime and the establishment of a holding company to isolate your real estate and financial assets from operational risks.<\/p>\n\n\n\n Q: What is the best strategy for my retirement?<\/p>\n\n\n\n A: There is no single solution. It often combines the sale of the professional tool, the receipt of income via real estate assets acquired through the company, and capitalization solutions such as life insurance or the PER.<\/p>\n\n\n\n Q: When should I start preparing my transmission?<\/p>\n\n\n\n A: Ideally 5 to 10 years before the expiry date. This allows the use of the most powerful tax levers (temporary donations of usufruct, Dutreil Pact, etc.) which often require holding periods.<\/p>\n\n\n\n Your business is the engine of your wealth, but it shouldn't be the only component. wealth optimization<\/strong> Success is the one that offers you the freedom to choose your future, whether you wish to reinvest, pass on your wealth, or enjoy your retirement.<\/p>\n\n\n\n Ready to secure your future and that of your business?<\/p>\n\n\n\n1. The specific challenges faced by the leader<\/strong><\/h2>\n\n\n\n
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2. Our services\u2019Asset Engineering<\/a> for business leaders<\/strong><\/h2>\n\n\n\n
Audit and Asset Analysis<\/a> Global<\/strong><\/h3>\n\n\n\n
Compensation and revenue optimization<\/strong><\/h3>\n\n\n\n
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Corporate cash management<\/strong><\/h3>\n\n\n\n
3. Transmission and protection strategies: Anticipating to avoid being affected<\/strong><\/h2>\n\n\n\n
The Dutreil Pact: The "Holy Grail" of inheritance<\/strong><\/h3>\n\n\n\n
The asset holding company and the OBO (Owner Buy Out)<\/strong><\/h3>\n\n\n\n
4. Why choose Balmont Conseil's support?<\/strong><\/h2>\n\n\n\n
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Case Study: Anticipating a Sale<\/strong><\/h3>\n\n\n\n
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FAQ: Key questions for executives<\/strong><\/h2>\n\n\n\n
Conclusion: Your success deserves a tailor-made strategy.<\/strong><\/h2>\n\n\n\n