{"id":270,"date":"2026-01-29T13:33:58","date_gmt":"2026-01-29T12:33:58","guid":{"rendered":"https:\/\/balmontconseil.com\/?page_id=270"},"modified":"2026-08-26T18:45:27","modified_gmt":"2026-08-26T16:45:27","slug":"retraite-de-dirigeants","status":"publish","type":"page","link":"https:\/\/balmontconseil.com\/en\/ingenierie-patrimoniale\/retraite-de-dirigeants\/","title":{"rendered":"Retirement for business executives"},"content":{"rendered":"<p class=\"wp-block-paragraph\"><strong>For a business leader, retirement isn&#039;t simply a cessation of activity: it&#039;s the most significant M&amp;A transaction of their life. In an increasingly complex business ecosystem, your exit strategy must be orchestrated years in advance. At Balmont Conseil, we transform your business assets into a lasting, optimized, and protected private wealth.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>1. Asset engineering: Securing the value of an entire career<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The majority of managers focus most of their abilities on the growth of their company, sometimes neglecting the structure of their own <strong>real estate assets<\/strong> or their <strong>securities<\/strong>. Preparing for retirement is above all about making a surgical trade-off between the tools of work and the private sphere.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Financial and salary asset management<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">For senior executives and corporate officers, the complexity often stems from the multiplicity of capital sources. We audit your <strong>stock options<\/strong>, your free share allocations and your schemes\u2019<strong>employee savings<\/strong> (PEE, PERCO) to align them with your future liquidity needs. The goal is to transform these volatile elements into a solid foundation of <strong>asset protection<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Real estate in the service of retirement<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">L&#039;\u2019<strong><a href=\"https:\/\/balmontconseil.com\/en\/gestion-de-patrimoine\/\">real estate investment<\/a><\/strong> must not be endured (operating real estate). We favor <strong>financial structures<\/strong> dedicated (SCI subject to IS, holdings) to house your professional premises or acquire income-producing assets, allowing you to decouple your future income from the uncertainties of your former business.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>2. Revenue optimization and tax planning<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Retirement is a tax shock. Without a <strong>tax anticipation<\/strong> Rigorous pressure on the sale or on the first replacement income can reduce your ability to live by 30 % to 40 %.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Dividend optimization:<\/strong> Before exiting, we analyze the trade-off between remuneration and dividends to maximize your social protection while limiting overall taxation.<\/li>\n\n\n\n<li><strong>Cash flow management:<\/strong> We structure your <strong>corporate treasury<\/strong> surplus towards capitalisation vehicles (capitalisation contracts, company securities accounts) to prepare for the repurchase of your shares.<\/li>\n\n\n\n<li><strong>Optimizing future income:<\/strong> Thanks to <strong>integrated financial services<\/strong>, We simulate the impact of different exit methods on your personal taxation (flat tax vs. tax brackets).<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>3. Foresight and Risk Management: The Manager&#039;s Safety Net<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">THE <strong>working conditions of managers<\/strong> involve exposure to risk (civil, criminal, financial) that does not always end on retirement day. <strong>risk management<\/strong> is at the heart of our approach.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Individual and group insurance<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">We are checking that your <strong>individual insurance<\/strong> covers not only the disability, but also the transition to the <strong>retirement planning<\/strong>. For executives with an international career, we analyze your rights with the various <strong>pension funds<\/strong> foreigners and mandatory schemes to avoid any disruption of resources.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Protection of personal assets<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The separation between professional debts and the <strong><a href=\"https:\/\/balmontconseil.com\/en\/transmission-protection\/\">wealth protection<\/a> staff<\/strong> is a priority. We use legal tools (declaration of unseizability, change of matrimonial regime) to ensure that your retirement remains your sanctuary.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>4. Tools of the future: Retirement Savings Plan and AI<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The new <strong>retirement savings plan (PER)<\/strong> has become the linchpin of the <strong>retirement of company executives<\/strong>. Both a tool for <a href=\"https:\/\/balmontconseil.com\/en\/ressources\/etudes-de-cas-patrimoniales\/defiscalisation-des-hauts-revenus-strategies-et-optimisation\/\">tax exemption<\/a> immediate and long-term capitalisation envelope, it allows unprecedented flexibility, especially for expatriates or repatriates.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Thanks to our AI-powered asset management technology, we perform a <strong>calculation of annuities<\/strong> theoretical and real-time capital projections, incorporating inflation and market scenarios to validate the viability of your lifestyle.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Alexis&#039;s opinion:<\/strong> <em>\u00ab&quot;The leader is often the shoemaker with the worst shoes. By focusing on his employees and growth, he forgets to build his own exit strategy. My role is to rebalance the scales.&quot;\u00bb<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>FAQ: Everything you need to know about executive retirement<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>When is the ideal time to start a retirement strategy?<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">L&#039;\u2019<strong>tax anticipation<\/strong> Ideally, this should begin 10 years before the target date. This allows for the clearing of capital gains on real estate and the implementation of a <strong>Dutreil Pact<\/strong> or to restructure your <strong>financial structures<\/strong> (holding) to benefit from the tax deferral (150-0 B ter).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>How is the amount of my future pension calculated?<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">THE <strong>calculation of annuities<\/strong> It depends on your career history (employee, self-employed, expatriate). We consolidate your career statements with your private assets (real estate, retirement savings plan, securities) to estimate your &quot;replacement rate.&quot; The goal is often to maintain 80% to 100% of your last net income.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>What succession scenarios should be anticipated upon exit?<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A <strong>succession scenario<\/strong> It is common for a business to be transferred to a buyer when the heirs are not involved. In such cases, the division of assets must be organized through a gift-partition or by using the proceeds of the sale to fund life insurance policies (outside the estate) in order to balance each party&#039;s share without harming the business.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Is it possible to liquidate one&#039;s employee savings before retirement?<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Yes, ceasing to hold a management position or the end of a corporate mandate are grounds for early withdrawal from a PEE (Employee Savings Plan) and PERCO\/PER (Collective Retirement Savings Plan). This provides immediate cash flow to finance your initial retirement projects or reinvest in a new venture.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Why choose Balmont Conseil rather than a private bank?<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A bank manages your deposits. Balmont Conseil manages your career path. As an open architecture firm, we have access to an open architecture that includes... <strong>Private Equity<\/strong>, European SCPIs and solutions <strong>retirement planning<\/strong> that network banks do not offer, while integrating a legal and tax advisory dimension that only an expert wealth management advisor can provide.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Conclusion: Your success deserves a fitting send-off.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Don&#039;t leave the fruit of decades of work to chance. <strong>retirement wealth management for business executives<\/strong> It is a discipline that requires anticipation, technique, and a global vision.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ready to audit your trajectory?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Schedule a free Strategic Diagnostic appointment \u2014 Balmont Consulting<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Sources &amp; References:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><em>General Tax Code: Articles 150-0 B ter and 787 B (Dutreil).<\/em><\/li>\n\n\n\n<li><em>PACTE Law (Retirement Savings Plan).<\/em><\/li>\n\n\n\n<li><em>ANACOFI Member Booklet 2025 \u2013 Section <a href=\"https:\/\/balmontconseil.com\/en\/ingenierie-patrimoniale\/\">Asset Engineering<\/a>.<\/em><\/li>\n\n\n\n<li><em>Report on the social protection of self-employed workers (Social Security).<\/em><\/li>\n<\/ul>","protected":false},"excerpt":{"rendered":"<p>Pour un chef d\u2019entreprise, la retraite n\u2019est pas un simple arr\u00eat d\u2019activit\u00e9 : c\u2019est l\u2019op\u00e9ration de \u00ab\u00a0M&amp;A\u00a0\u00bb la plus importante de sa vie. Dans un \u00e9cosyst\u00e8me d&rsquo;entreprises de plus en plus complexe,<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-270","page","type-page","status-publish","hentry"],"acf":[],"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/balmontconseil.com\/en\/wp-json\/wp\/v2\/pages\/270","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=270"}],"version-history":[{"count":2,"href":"https:\/\/balmontconseil.com\/en\/wp-json\/wp\/v2\/pages\/270\/revisions"}],"predecessor-version":[{"id":1172,"href":"https:\/\/balmontconseil.com\/en\/wp-json\/wp\/v2\/pages\/270\/revisions\/1172"}],"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=270"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}