{"id":6942,"date":"2026-10-24T15:30:12","date_gmt":"2026-10-24T13:30:12","guid":{"rendered":"https:\/\/balmontconseil.com\/blog\/conseiller-gestion-patrimoine-villeurbanne-caluire-ecully\/"},"modified":"2026-10-24T15:30:12","modified_gmt":"2026-10-24T13:30:12","slug":"conseiller-gestion-patrimoine-villeurbanne-caluire-ecully","status":"publish","type":"post","link":"https:\/\/balmontconseil.com\/en\/blog\/conseiller-gestion-patrimoine-villeurbanne-caluire-ecully\/","title":{"rendered":"Which wealth management advisor in Villeurbanne, Caluire-et-Cuire or \u00c9cully?"},"content":{"rendered":"<div class=\"bluf-box\">\n<h2>In summary\u2026<\/h2>\n<p>In Villeurbanne, Caluire-et-Cuire, or \u00c9cully, choose your advisor based on three criteria: their area of expertise, their status, and their remuneration. Not their address. These three municipalities are part of the Lyon Metropolitan Area (58 municipalities, 1,436,354 inhabitants in 2023 according to INSEE), and appointments are held in Lyon or via videoconference.<\/p>\n<p>Balmont Conseil is a firm <b>not independent<\/b> In regulatory terms: he receives commissions on the contracts signed. The first consultation is free, in Lyon or via videoconference, and annual follow-up, also free, is possible remotely.<\/p>\n<\/div>\n<p class=\"wp-block-paragraph\">You live in Caluire-et-Cuire and are looking for an advisor &quot;near you.&quot; Rephrase the question: what do you need, and what can be verified about the person who answers you? The office address doesn&#039;t answer either question.<\/p>\n<h2 class=\"wp-block-heading\"><strong>1. Three municipalities, one single urban area<\/strong><\/h2>\n<table>\n<thead>\n<tr>\n<th>Territory<\/th>\n<th>Population in 2023 (Insee)<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Villeurbanne<\/td>\n<td>163,684<\/td>\n<\/tr>\n<tr>\n<td>Caluire-et-Cuire<\/td>\n<td>43,597<\/td>\n<\/tr>\n<tr>\n<td>\u00c9cully<\/td>\n<td>17,944<\/td>\n<\/tr>\n<tr>\n<td>Lyon metropolitan area (58 municipalities)<\/td>\n<td>1,436,354<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p class=\"wp-block-paragraph\">These figures indicate the size of the municipalities. They say nothing about the wealth of their residents, and we draw no conclusions from them. Keep in mind one fact: Villeurbanne, Caluire-et-Cuire, and \u00c9cully are among the 58 municipalities of the Lyon Metropolitan Area. They do not constitute a separate market, and the firm you choose can meet with you in Lyon or via videoconference.<\/p>\n<h2 class=\"wp-block-heading\"><strong>2. What really matters in the choice<\/strong><\/h2>\n<table>\n<thead>\n<tr>\n<th>Criteria<\/th>\n<th>The question to ask<\/th>\n<th>How to verify it<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Speciality<\/td>\n<td>What types of cases do you deal with most often: executives, professionals, families, expatriates?<\/td>\n<td>Request two sample assignments, described without naming the client.<\/td>\n<\/tr>\n<tr>\n<td>Status<\/td>\n<td>What is your ORIAS number, and your professional association?<\/td>\n<td>ORIAS Register (orias.fr)<\/td>\n<\/tr>\n<tr>\n<td>Remuneration<\/td>\n<td>Who pays you, and how much in euros per year?<\/td>\n<td>Letter of engagement, signed before any advice<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p class=\"wp-block-paragraph\">The financial investment advisor must be registered with ORIAS and belong to a professional association approved by the AMF. Before providing any advice, they must inform you whether they are acting independently or not: a non-independent advisor may be remunerated by the institution managing the product, while an independent advisor cannot. They will provide you with an engagement letter, signed by both parties, before any advice is given.<\/p>\n<p class=\"wp-block-paragraph\"><strong>Specifically.<\/strong> Perform this check for each practice, whether it&#039;s in \u00c9cully or Lyon. The list of required documents is in <a href=\"\/en\/blog\/gestionnaire-de-patrimoine-lyon-chef-d-entreprise-que-demander\/\">What to ask a wealth manager in Lyon<\/a>.<\/p>\n<h2 class=\"wp-block-heading\"><strong>3. Meeting in Lyon, via videoconference, remote follow-up<\/strong><\/h2>\n<p class=\"wp-block-paragraph\">At Balmont Conseil, the initial consultation is free, either in Lyon or via videoconference. Annual follow-up is also free and can be done remotely. We already support clients from Lyon who are now living abroad: the process is described in <a href=\"\/en\/blog\/conseiller-gestion-de-patrimoine-lyon-suivi-a-distance-expatrie\/\">the article on remote monitoring<\/a>.<\/p>\n<p class=\"wp-block-paragraph\">What distance doesn&#039;t change are the rooms. Whether you are seen in person or via videoconference, request the following in writing before making any suggestions:<\/p>\n<ul class=\"wp-block-list\">\n<li>THE <b>onboarding document<\/b>, given when entering into a relationship with a new client, before the signing of the engagement letter;<\/li>\n<li>there <b>letter of assignment<\/b>, signed by both parties before the council meeting;<\/li>\n<li>the written answer to the question &quot;independent or not independent?&quot;;<\/li>\n<li>the remuneration, in euros per year.<\/li>\n<\/ul>\n<h2 class=\"wp-block-heading\"><strong>4. What a consultant does for a manager, a professional, a family<\/strong><\/h2>\n<p class=\"wp-block-paragraph\">The process is the same in all three cases: assigning figures in euros to each decision, then submitting it in writing. Here are the official guidelines, valid in 2026.<\/p>\n<table>\n<thead>\n<tr>\n<th>Profile<\/th>\n<th>What the advisor figures<\/th>\n<th>Official reference point 2026<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Leader<\/td>\n<td>Retirement, remuneration, company ownership, sale<\/td>\n<td>PER: deduction capped at 10% of 2025 business income, with a maximum of \u20ac37,680 and a minimum of \u20ac4,710 for an employee<\/td>\n<\/tr>\n<tr>\n<td>Liberal profession<\/td>\n<td>Retirement, insurance, savings<\/td>\n<td>Special rules for the self-employed: your personal limit needs to be calculated.<\/td>\n<\/tr>\n<tr>\n<td>Family<\/td>\n<td>Donation, transmission<\/td>\n<td>A tax allowance of \u20ac100,000 per child, renewable every 15 years; tax-exempt cash gifts up to \u20ac31,865<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3 class=\"wp-block-heading\"><strong>The director<\/strong><\/h3>\n<p class=\"wp-block-paragraph\">For an employee, Service-Public indicates a deduction limit in 2026 equal to 10% of net employment income in 2025, with a maximum of \u20ac37,680 and a minimum of \u20ac4,710. Any unused portion of the limit from the previous five years is added to the limit: the 2024 limit can be used until 2027, the 2025 limit until 2028, and the 2026 limit for five years. Beyond the PER (Retirement Savings Plan), the business owner&#039;s main concern is the ownership of their company: holding company, sale, and transfer. See <a href=\"\/en\/dirigeants-transmission\/\">leaders and succession<\/a>.<\/p>\n<h3 class=\"wp-block-heading\"><strong>The liberal profession<\/strong><\/h3>\n<p class=\"wp-block-paragraph\">Service-Public specifies that particular rules apply to the self-employed for the PER (Retirement Savings Plan) and refers to the BOFiP (Official Tax Bulletin). An advisor should therefore give you your contribution limit, in euros, rather than a general figure: this will also appear on your 2026 tax assessment. Our page <a href=\"\/en\/ingenierie-patrimoniale\/professions-liberales\/\">liberal professions<\/a> presents the topics covered.<\/p>\n<h3 class=\"wp-block-heading\"><strong>The family<\/strong><\/h3>\n<p class=\"wp-block-paragraph\">For a gift from a parent to a child, the allowance is \u20ac100,000 per donor and per recipient, over a period of 15 years (Service-Public, verified May 13, 2026). A family gift of money is exempt up to \u20ac31,865 if the donor is under 80 years old and the recipient is an adult, renewable every 15 years (verified January 1, 2026). A notary is required for the donation of real estate, gifts between spouses, and gifts involving division of property; a cash gift does not require one, but it must be declared to the tax authorities, online since January 1, 2026. Details of the tax brackets: <a href=\"\/en\/donation-abattements-rappel-15-ans-bareme\/\">abatements and 15-year reminder<\/a>.<\/p>\n<p class=\"wp-block-paragraph\"><strong>For the technician.<\/strong> INSEE, 2023 census (RP2023), POP T1 and POP T2 tables, geography as of January 1, 2026; list of the 58 municipalities of the Lyon Metropolitan Area (code 200046977). Service-Public, fact sheet &quot;Retirement savings plan (PER)&quot;, verified on October 12, 2026. Service-Public, fact sheets on gift tax (verified on May 13, 2026) and family gifts of money (verified on January 1, 2026); economie.gouv.fr, &quot;How to make a donation?&quot; (April 1, 2026).<\/p>\n<h2 class=\"wp-block-heading\"><strong>At Balmont Consulting<\/strong><\/h2>\n<p class=\"wp-block-paragraph\">Founded in January 2013, SASU Balmont Conseil has been supporting business leaders, professionals, and families for nearly 14 years. We are a financial investment advisor and member of ANACOFI-CIF, an insurance broker (ORIAS 13003497). We work with 23 partner companies and asset management firms and have no financial ties to any bank or insurer.<\/p>\n<table>\n<thead>\n<tr>\n<th>Step<\/th>\n<th>What you pay<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Contract X-ray<\/td>\n<td>Free<\/td>\n<\/tr>\n<tr>\n<td>Initial meeting, in Lyon or via videoconference<\/td>\n<td>Free<\/td>\n<\/tr>\n<tr>\n<td>Balance sheet<\/td>\n<td>Fixed price announced<\/td>\n<\/tr>\n<tr>\n<td>Customized mission<\/td>\n<td>\u20ac500 including VAT per hour<\/td>\n<\/tr>\n<tr>\n<td>Contracts signed through us<\/td>\n<td>Commissions paid by the supplier; example: entry fees of 0.5 % on Luxembourg life insurance contracts<\/td>\n<\/tr>\n<tr>\n<td>Annual follow-up, possible remotely<\/td>\n<td>Free<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p class=\"wp-block-paragraph\">The details are on the page <a href=\"\/en\/a-propos\/cgp-a-lyon\/\">wealth management advisor in Lyon<\/a>. Our remuneration comes in part from the contracts you sign: we are not independent and we state this clearly.<\/p>\n<h2 class=\"wp-block-heading\"><strong>Our position<\/strong><\/h2>\n<p class=\"wp-block-paragraph\">The decisive factor remains the written document. An advisor who provides you with their ORIAS registration number, their response regarding their status, their letter of engagement, and the amounts in euros before making any proposal deserves a second meeting, whether they are located in Villeurbanne, \u00c9cully, or Lyon. One who refuses does not deserve it, regardless of their proximity.<\/p>\n<h2 class=\"wp-block-heading\"><strong>Frequently asked questions<\/strong><\/h2>\n<h3 class=\"wp-block-heading\"><strong>Do I need a councillor based in my municipality?<\/strong><\/h3>\n<p class=\"wp-block-paragraph\">No. What&#039;s verified is the status and the documents submitted, not the address. An initial meeting in Lyon or via video conference is sufficient to determine if the advisor meets your needs.<\/p>\n<h3 class=\"wp-block-heading\"><strong>Is remote monitoring possible?<\/strong><\/h3>\n<p class=\"wp-block-paragraph\">Yes at Balmont Conseil: the first exchange can be done via videoconference and the annual follow-up, free of charge, is possible remotely.<\/p>\n<h3 class=\"wp-block-heading\"><strong>What documents should I request before signing?<\/strong><\/h3>\n<p class=\"wp-block-paragraph\">The client onboarding document, the engagement letter signed by both parties, the written confirmation of the advisor&#039;s independence (or lack thereof), and the fee in euros. The financial investment advisor must provide you with these documents before offering any advice.<\/p>\n<p class=\"wp-block-paragraph\"><b>Do you live in one of these municipalities and want a second look at your contracts?<\/b><\/p>\n<p class=\"wp-block-paragraph\">Send us your statements: the X-ray is free and calculate their costs in euros per year, even before an appointment.<\/p>\n<h2 class=\"wp-block-heading\"><strong>Book an appointment<\/strong><\/h2>\n<p class=\"wp-block-paragraph\">The initial consultation is to establish your exact situation and determine if there is anything that can be done\u2014sometimes there is nothing, and we will say so as well. Thirty minutes, with no obligation.<\/p>\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/calendly.com\/asagnier-balmontconseil\/echange\" target=\"_blank\" rel=\"noopener\"><strong>Book an exchange with Balmont Conseil<\/strong><\/a><\/p>\n<p class=\"wp-block-paragraph\">Alexis Sagnier, financial and real estate investment advisor, insurance broker, AMF certified. ORIAS 13003497. Updated on 24\/10\/2026.<\/p>\n<h2 class=\"wp-block-heading\"><strong>Official sources consulted<\/strong><\/h2>\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.insee.fr\/fr\/statistiques\/2011101?geo=COM-69266\" rel=\"noopener\" target=\"_blank\">Insee \u2014 Villeurbanne: population in 2023 (RP2023, POP tables T1 and POP T2)<\/a><\/li>\n<li><a href=\"https:\/\/www.insee.fr\/fr\/statistiques\/2011101?geo=COM-69034\" rel=\"noopener\" target=\"_blank\">INSEE \u2014 Caluire-et-Cuire: population in 2023<\/a><\/li>\n<li><a href=\"https:\/\/www.insee.fr\/fr\/statistiques\/2011101?geo=COM-69081\" rel=\"noopener\" target=\"_blank\">INSEE \u2014 \u00c9cully: population in 2023<\/a><\/li>\n<li><a href=\"https:\/\/www.insee.fr\/fr\/statistiques\/2011101?geo=EPCI-200046977\" rel=\"noopener\" target=\"_blank\">INSEE \u2014 Lyon Metropolitan Area: population in 2023<\/a><\/li>\n<li><a href=\"https:\/\/www.insee.fr\/fr\/metadonnees\/geographie\/intercommunalite\/200046977-metropole-de-lyon\" rel=\"noopener\" target=\"_blank\">Insee \u2014 Lyon Metropolitan Area Intermunicipal Authority (list of 58 municipalities)<\/a><\/li>\n<li><a href=\"https:\/\/www.service-public.gouv.fr\/particuliers\/vosdroits\/F34982\" rel=\"noopener\" target=\"_blank\">Public Service \u2014 Retirement savings plan (PER), 2026 deduction limit (verified on October 12, 2026)<\/a><\/li>\n<li><a href=\"https:\/\/www.service-public.gouv.fr\/particuliers\/vosdroits\/F14203\" rel=\"noopener\" target=\"_blank\">Public Service \u2014 Gift tax based on kinship, allowances (verified on May 13, 2026)<\/a><\/li>\n<li><a href=\"https:\/\/www.service-public.gouv.fr\/particuliers\/vosdroits\/F36656\" rel=\"noopener\" target=\"_blank\">Public Service \u2014 Donation of a sum of money, exemption of \u20ac31,865 (verified on January 1, 2026)<\/a><\/li>\n<li><a href=\"https:\/\/www.economie.gouv.fr\/particuliers\/preparer-ma-retraite-et-ma-succession\/comment-faire-une-donation\" rel=\"noopener\" target=\"_blank\">economie.gouv.fr \u2014 How to make a donation? (April 1, 2026)<\/a><\/li>\n<li><a href=\"https:\/\/www.amf-france.org\/sites\/institutionnel\/files\/contenu_simple\/guide\/guide_pedagogique\/S&#039;informer%20sur%20%20Les%20conseillers%20en%20investissements%20financiers%20(CIF).pdf\" rel=\"noopener\" target=\"_blank\">AMF \u2014 Guide \u00abFinancial Investment Advisors (FIAs)\u00bb (June 2019)<\/a><\/li>\n<li><a href=\"https:\/\/www.amf-france.org\/sites\/institutionnel\/files\/doctrine\/fr\/Position\/DOC-2006-23\/3.0\/Questions-reponses%20relatives%20au%20regime%20applicable%20aux%20conseillers%20en%20investissements%20financiers.pdf\" rel=\"noopener\" target=\"_blank\">AMF \u2014 Position DOC-2006-23, questions and answers on the CIF regime<\/a><\/li>\n<\/ul>","protected":false},"excerpt":{"rendered":"<p>Specialty, status, remuneration: the three criteria that matter more than the address, with appointments in Lyon or via videoconference and remote follow-up.<\/p>","protected":false},"author":5,"featured_media":5669,"comment_status":"","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[9],"tags":[],"class_list":["post-6942","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-patrimoine"],"acf":[],"jetpack_featured_media_url":"https:\/\/balmontconseil.com\/wp-content\/uploads\/2026\/10\/hd-rue-lyon-terrasse.webp","_links":{"self":[{"href":"https:\/\/balmontconseil.com\/en\/wp-json\/wp\/v2\/posts\/6942","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/balmontconseil.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/balmontconseil.com\/en\/wp-json\/wp\/v2\/types\/post"}],"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=6942"}],"version-history":[{"count":0,"href":"https:\/\/balmontconseil.com\/en\/wp-json\/wp\/v2\/posts\/6942\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/balmontconseil.com\/en\/wp-json\/wp\/v2\/media\/5669"}],"wp:attachment":[{"href":"https:\/\/balmontconseil.com\/en\/wp-json\/wp\/v2\/media?parent=6942"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/balmontconseil.com\/en\/wp-json\/wp\/v2\/categories?post=6942"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/balmontconseil.com\/en\/wp-json\/wp\/v2\/tags?post=6942"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}