{"id":69,"date":"2026-01-20T09:55:54","date_gmt":"2026-01-20T08:55:54","guid":{"rendered":"https:\/\/balmontconseil.com\/?page_id=69"},"modified":"2026-08-26T18:45:10","modified_gmt":"2026-08-26T16:45:10","slug":"nos-solutions","status":"publish","type":"page","link":"https:\/\/balmontconseil.com\/en\/nos-solutions\/","title":{"rendered":"Our services &amp; solutions"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Managing the wealth of a non-resident or entrepreneur requires more than a simple Excel spreadsheet. Between cross-border tax complexities and market volatility, your assets demand a 360\u00b0 perspective. At Balmont Conseil, we combine advanced digital solutions with independent advice to transform your wealth into a high-performance strategy.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Management vs. Consulting: Which wealth management solution should you choose?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The current market is divided into three main categories. Understanding their limitations is the first step to securing your financial future:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Retail banks:<\/strong> Often limited to their own products (&quot;closed architecture&quot;), they lack responsiveness to expatriation issues.<\/li>\n\n\n\n<li><strong>Tracking applications (SaaS):<\/strong> Excellent for the <strong>centralization of assets<\/strong> And while real-time monitoring (like Finary) doesn&#039;t replace tax strategy, it does provide observations, not advice.<\/li>\n\n\n\n<li><strong>The Cabinet of <a href=\"https:\/\/balmontconseil.com\/en\/gestion-de-patrimoine\/\">Wealth Management<\/a> (CGP) independent:<\/strong> This is our model. We use AI for the\u2019<strong>asset analysis<\/strong> precision is key, but it is the human element that ultimately decides on tax and inheritance optimization.<\/li>\n<\/ol>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Our international wealth management offering: The 5 pillars<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">For an expatriate or an executive, the <strong>diversification strategy<\/strong> must be comprehensive. Here&#039;s how we structure your <strong>international wealth management services<\/strong> :<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1. Financial Investments &amp; Open Architecture<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">No more underperforming &quot;in-house&quot; funds. We have access to the world&#039;s best asset managers (Vanguard, BlackRock, Rothschild &amp; Co) to build tailor-made portfolios.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Objective :<\/strong> Optimize the risk\/return ratio according to your time horizon.<\/li>\n\n\n\n<li><strong>The Balmont plus:<\/strong> An algorithmic analysis to test the resilience of your portfolio in the face of crises.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2. Life insurance: The \u00abLuxembourgish\u00bb version\u00bb<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">For our non-resident clients, the\u2019<strong>Assurance-vie<\/strong> French law is often too rigid. We prefer the Luxembourg contract for its <strong>tax neutrality<\/strong> and its complete portability.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Security :<\/strong> Your funds are protected by the Luxembourg \u00abTriangle of Security\u00bb.<\/li>\n\n\n\n<li><strong>Flexibility:<\/strong> Multi-currency management (EUR, USD, CHF, GBP).<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3. Rental Real Estate: Net-Net Return<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">L&#039;\u2019<strong>rental property<\/strong> It remains the preferred investment of the French, but taxation for non-residents can be punitive.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Solutions:<\/strong> SCPIs for income (European to avoid CSG\/CRDS), LMNP with depreciation, or division of ownership.<\/li>\n\n\n\n<li><strong>Accompaniement :<\/strong> From finding the property in Lyon or elsewhere, to the legal structuring.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>4. Private Equity: Access to unlisted assets<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Long reserved for institutional users, the <strong>Private Equity<\/strong> Private equity is now accessible. It allows you to decouple your assets from the stock markets.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Target :<\/strong> Growing businesses, infrastructure, institutional real estate.<\/li>\n\n\n\n<li><strong>Advantage :<\/strong> Superior performance potential over the long term.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>5. Retirement Savings Plan (PER) &amp; International Retirement<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Prepare your <strong>retirement<\/strong> Moving to a new country is a challenge. <strong>Retirement Savings Plan<\/strong> is a powerful tool to deduct your payments from your taxable income in France, while building capital for the future.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Need an immediate audit?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Discover our <a href=\"https:\/\/balmontconseil.com\/en\/ingenierie-patrimoniale\/bilan-patrimonial\/\">Asset Assessment<\/a> Complete 360\u00b0 \u2014 Book your appointment here<\/p>\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<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Criteria<\/strong><\/td><td><strong>Private Banks<\/strong><\/td><td><strong>Applications (SaaS)<\/strong><\/td><td><strong>Balmont Conseil<\/strong><\/td><\/tr><tr><td><strong>Transparency of fees<\/strong><\/td><td>Low (Hidden commissions)<\/td><td>Premium (Subscription)<\/td><td><strong>Total (Fees)<\/strong><\/td><\/tr><tr><td><strong>Expatriate Expertise<\/strong><\/td><td>Limited<\/td><td>None<\/td><td><strong>Native Specialization<\/strong><\/td><\/tr><tr><td><strong>Architecture<\/strong><\/td><td>Closed (Homemade products)<\/td><td>N \/ A<\/td><td><strong>Open (Global Market)<\/strong><\/td><\/tr><tr><td><strong>Tax Planning<\/strong><\/td><td>Standardized<\/td><td>None<\/td><td><strong>Surgical (Art. 155 B, 150-0 B ter)<\/strong><\/td><\/tr><tr><td><strong>Technological Monitoring<\/strong><\/td><td>Obsolete<\/td><td>Excellent<\/td><td><strong>Hybrid (AI + Expert)<\/strong><\/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>How to choose your wealth management solution?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The choice depends on two factors: your <strong>in progress<\/strong> and the <strong>complexity of your situation<\/strong>.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>&quot;Solo&quot; profile (Assets &lt; \u20ac150k):<\/strong> Good tracking software and low-cost ETFs may be sufficient.<\/li>\n\n\n\n<li><strong>&quot;Strategist&quot; profile (Expatriates, Executives, Assets &gt; \u20ac300k):<\/strong> Support from a <strong>wealth management advisor<\/strong> becomes indispensable. Why? Because a single mistake on an international tax treaty can cost you more than 10 years of consulting fees.<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\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\">Why is consulting support preferable to software?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Software analyzes the past. An advisor plans the future. AI can aggregate your accounts, but it won&#039;t be able to advise you on setting up a <a href=\"https:\/\/balmontconseil.com\/en\/transmission-protection\/pacte-dutreil\/\">Dutreil Pact<\/a> or optimizing Exit Tax before leaving for the USA.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">What are the fees of an international wealth management firm?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">At Balmont, we believe in transparency. Our fees are based on the complexity of the case (initial audit), and we prioritize net performance after expenses. See our Fees page here.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Is it possible to invest in Private Equity as a non-resident?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Yes, it&#039;s actually an excellent diversification tool. We select funds that are eligible for expatriates, offering specific tax advantages or tax-neutral treatment.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\">Conclusion :<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Your assets deserve better than a &quot;standard&quot; solution. Whether you are in Lyon, Dubai, or Singapore, Balmont Conseil brings you the rigor of...\u00ab<a href=\"https:\/\/balmontconseil.com\/en\/ingenierie-patrimoniale\/\">wealth engineering<\/a> and the flexibility of modern tools.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ready to take it to the next level?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Book your AI Wealth Assessment (3 min) and let&#039;s talk about your project.<\/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>Monetary and Financial Code \u2013 Obligations of Financial Investment Advisors.<\/em><\/li>\n\n\n\n<li><em>International Tax Conventions (OECD).<\/em><\/li>\n\n\n\n<li><em>ANACOFI annual report on the evolution of independent consulting.<\/em><\/li>\n<\/ul>","protected":false},"excerpt":{"rendered":"<p>Le patrimoine d\u2019un non-r\u00e9sident ou d\u2019un entrepreneur ne se pilote pas avec un simple tableur Excel. Entre complexit\u00e9 fiscale transfrontali\u00e8re et volatilit\u00e9 des march\u00e9s, vos actifs exigent une vision \u00e0 360\u00b0. Chez<span class=\"excerpt-hellip\"> [\u2026]<\/span><\/p>\n","protected":false},"author":5,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-69","page","type-page","status-publish","hentry"],"acf":[],"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/balmontconseil.com\/en\/wp-json\/wp\/v2\/pages\/69","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\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/balmontconseil.com\/en\/wp-json\/wp\/v2\/comments?post=69"}],"version-history":[{"count":2,"href":"https:\/\/balmontconseil.com\/en\/wp-json\/wp\/v2\/pages\/69\/revisions"}],"predecessor-version":[{"id":1451,"href":"https:\/\/balmontconseil.com\/en\/wp-json\/wp\/v2\/pages\/69\/revisions\/1451"}],"wp:attachment":[{"href":"https:\/\/balmontconseil.com\/en\/wp-json\/wp\/v2\/media?parent=69"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}