{"id":289,"date":"2026-01-29T14:25:25","date_gmt":"2026-01-29T13:25:25","guid":{"rendered":"https:\/\/balmontconseil.com\/?page_id=289"},"modified":"2026-08-26T18:45:25","modified_gmt":"2026-08-26T16:45:25","slug":"nos-produits","status":"publish","type":"page","link":"https:\/\/balmontconseil.com\/en\/nos-solutions\/nos-produits\/","title":{"rendered":"Our products"},"content":{"rendered":"<p class=\"wp-block-paragraph\">\u00ab&quot;Alexis, what&#039;s the best investment right now?&quot; That&#039;s the question I get asked most often. My answer is always the same: a product doesn&#039;t exist in a vacuum. A product of <a href=\"https:\/\/balmontconseil.com\/en\/gestion-de-patrimoine\/\">wealth management<\/a> It&#039;s just a brick. Without cement (the tax strategy) and without a plan (your asset assessment), it doesn&#039;t build anything solid.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Recently, an expatriate client in Singapore came to see me to subscribe to a <strong>SCPI<\/strong>. He was convinced it was the miracle product. By digging his <strong>financial situation analysis<\/strong> and its <strong>wealth governance<\/strong>, We realized that by investing directly, he would face an unforeseen &quot;tax wall&quot; upon his return to France. We ultimately opted for a <strong><a href=\"https:\/\/balmontconseil.com\/en\/nos-solutions\/assurance-vie-luxembourgeoise\/\">Luxembourg assurance-vie<\/a><\/strong> Capitalizing. The result? A net-net performance 2% higher per year simply thanks to the envelope.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Heritage assembly: Why does the product come last?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Before we talk about <strong>securities accounts<\/strong> or\u2019<strong>real estate investment<\/strong>, every collaboration at Balmont Conseil begins with a <strong>comprehensive asset study<\/strong>. This is the framework imposed by the <strong>financial regulations<\/strong> and the <strong>onboarding document<\/strong> (DER).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L&#039;\u2019<strong>wealth collection<\/strong> consists of choosing <strong>suitable financial products<\/strong> to your life goals: <strong>retirement preparation<\/strong>, <strong>supplemental income<\/strong>, Or <strong>securing the inheritance<\/strong>.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>1. Financial envelopes: Optimizing personal taxation<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The choice of envelope is the first lever of\u2019<strong>tax optimization<\/strong>.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Life Insurance (France &amp; Luxembourg):<\/strong> It&#039;s the Swiss Army knife. It allows a <strong>asset management<\/strong> Flexible with decreasing taxation after 8 years. For large capital investments, Luxembourg offers a <strong>asset protection<\/strong> unrivaled via the &quot;Safety Triangle&quot;.<\/li>\n\n\n\n<li><strong>The Retirement Savings Plan (PER):<\/strong> Essential for executives. It allows you to deduct your contributions from your taxable income while building up a <strong>retirement planning<\/strong> solid.<\/li>\n\n\n\n<li><strong>The PEA (Equity Savings Plan):<\/strong> Ideal for those seeking the performance of European stocks with income tax exemption after 5 years.<\/li>\n\n\n\n<li><strong>The Securities Account (CTO):<\/strong> For total freedom of movement on global markets, without withdrawal constraints.<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>2. Real Estate: Between Return on Investment and Wealth Transfer<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">THE <strong>real estate investments<\/strong> remain the foundation of wealth in France. But they must be integrated into a <strong>diversified portfolio<\/strong>.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>The SCPI (Pierre-Papier):<\/strong> It allows you to invest in commercial real estate starting from just a few thousand euros. It&#039;s the perfect tool for a <strong>supplemental income<\/strong> without the hassle of rental management.<\/li>\n\n\n\n<li><strong>LMNP (Non-Professional Furnished Rental):<\/strong> Thanks to the cushioning, it&#039;s one of the best <strong>strategies <a href=\"https:\/\/balmontconseil.com\/en\/ressources\/etudes-de-cas-patrimoniales\/defiscalisation-des-hauts-revenus-strategies-et-optimisation\/\">tax exemption<\/a><\/strong> to receive rents that are almost tax-free.<\/li>\n\n\n\n<li><strong>The division of ownership rights:<\/strong> A powerful tool for <strong>inheritance<\/strong> allowing one to give the bare ownership to one&#039;s children while retaining the usufruct (the income).<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Comparative table of solutions by profile<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Profile<\/strong><\/td><td><strong>Priority Objective<\/strong><\/td><td><strong>Recommended Product<\/strong><\/td><td><strong>Risk Level<\/strong><\/td><\/tr><tr><td><strong>Young Professional<\/strong><\/td><td>Capital formation<\/td><td>PEA \/ Life Insurance<\/td><td>Moderate to High<\/td><\/tr><tr><td><strong>Expatriate<\/strong><\/td><td>Portability &amp; Taxation<\/td><td>Assurance-vie Luxembourg<\/td><td>Balance<\/td><\/tr><tr><td><strong>Business owner<\/strong><\/td><td>Protection &amp; Retirement<\/td><td>PER \/ Holding \/ Private Equity<\/td><td>High (Targeted yield)<\/td><\/tr><tr><td><strong>Retirement<\/strong><\/td><td>Income &amp; Inheritance<\/td><td>SCPI \/ Life Insurance (Art. 990 I)<\/td><td>Low to Moderate<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>3. Risk management and retirement planning solutions<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A good <strong>wealth management advisor<\/strong> (CGP) doesn&#039;t just look at what you win, but also what you could lose.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">There <strong>risk management<\/strong> goes through <strong>retirement planning solutions<\/strong> and family protection:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Key Man Insurance:<\/strong> To protect your business.<\/li>\n\n\n\n<li><strong>Funeral Expenses\/Dependency Insurance:<\/strong> To avoid placing the burden of uncertainty on your loved ones.<\/li>\n\n\n\n<li><strong>Responsible Investment (SRI):<\/strong> To align your <strong>asset allocation<\/strong> with your ethical values.<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>How does Balmont Conseil select your products?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Unlike a retail bank, we operate in <strong>open architecture<\/strong>. This means that we do not have any &quot;house&quot; catalogue.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Analysis of investment performance:<\/strong> We scrutinize the actual costs, management history and financial strength of the insurers.<\/li>\n\n\n\n<li><strong>Stress Test:<\/strong> We simulate the impact of market crises on your <strong>diversified portfolio<\/strong>.<\/li>\n\n\n\n<li><strong>Independence:<\/strong> If a product does not serve your <strong>wealth management strategy<\/strong>, We do not offer it, even if it is &quot;trendy&quot;.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">Alexis&#039;s insert: The trap of the <a href=\"https:\/\/balmontconseil.com\/en\/ressources\/etudes-de-cas-patrimoniales\/defiscalisation-des-hauts-revenus-strategies-et-optimisation\/\">tax exemption<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Never choose a property solely for its tax benefits. A bad real estate investment, even one designed for tax breaks, remains a bad investment if the purchase price is inflated or if there&#039;s no rental market. The tax savings should be the icing on the cake, not the main objective.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Frequently Asked Questions (FAQ)<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Is it possible to manage wealth online?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Yes, our tools allow for asset valuation and real-time monitoring. However, the final validation of your strategy still requires the expert eye of a consultant to ensure legal compliance.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">What are the costs associated with these products?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Each solution has its own fee structure (entry fees, management fees, arbitration fees). Our role is to negotiate these costs to maximize your net return.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">How to secure your inheritance with these products?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Life insurance and capitalization contracts are instruments outside the estate (subject to conditions). When properly drafted, they allow for the securing of inheritance and a smooth transfer to the beneficiaries of your choice.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Conclusion: Your heritage deserves bespoke architecture.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">THE <strong>savings products<\/strong> They are merely instruments. The conductor&#039;s talent lies in their ability to make them play together harmoniously. Whether you are looking for a <strong>real estate project financing<\/strong> or a <strong>tax optimization<\/strong> complex, it all starts with a clear diagnosis.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ready to define your ideal allocation?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Book your 360\u00b0 Wealth Assessment \u2014 Balmont Conseil<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Sources &amp; Regulations:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><em>Monetary and Financial Code \u2013 Obligations of CIFs.<\/em><\/li>\n\n\n\n<li><em>Financial Markets Authority (AMF) \u2013 Investor&#039;s Guides.<\/em><\/li>\n\n\n\n<li><em>ANACOFI Member Booklet 2025.<\/em><\/li>\n<\/ul>","protected":false},"excerpt":{"rendered":"<p>\u00ab Alexis, quel est le meilleur placement du moment ? \u00bb C\u2019est la question que l\u2019on me pose le plus souvent. Ma r\u00e9ponse est toujours la m\u00eame : le produit n\u2019existe pas<span class=\"excerpt-hellip\"> [\u2026]<\/span><\/p>\n","protected":false},"author":2,"featured_media":0,"parent":69,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-289","page","type-page","status-publish","hentry"],"acf":[],"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/balmontconseil.com\/en\/wp-json\/wp\/v2\/pages\/289","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=289"}],"version-history":[{"count":2,"href":"https:\/\/balmontconseil.com\/en\/wp-json\/wp\/v2\/pages\/289\/revisions"}],"predecessor-version":[{"id":1168,"href":"https:\/\/balmontconseil.com\/en\/wp-json\/wp\/v2\/pages\/289\/revisions\/1168"}],"up":[{"embeddable":true,"href":"https:\/\/balmontconseil.com\/en\/wp-json\/wp\/v2\/pages\/69"}],"wp:attachment":[{"href":"https:\/\/balmontconseil.com\/en\/wp-json\/wp\/v2\/media?parent=289"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}