{"id":6946,"date":"2026-10-24T18:25:01","date_gmt":"2026-10-24T16:25:01","guid":{"rendered":"https:\/\/balmontconseil.com\/blog\/cgp-lyon-suivi-du-patrimoine-en-ligne\/"},"modified":"2026-10-24T19:12:24","modified_gmt":"2026-10-24T17:12:24","slug":"cgp-lyon-suivi-du-patrimoine-en-ligne","status":"publish","type":"post","link":"https:\/\/balmontconseil.com\/en\/blog\/cgp-lyon-suivi-du-patrimoine-en-ligne\/","title":{"rendered":"Which wealth management advisor in Lyon offers online wealth monitoring?"},"content":{"rendered":"
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In summary\u2026<\/h2>\n

Online monitoring is judged on six points, not on the name of a software program: what it includes, the update date<\/b> for each line, access security, available documents, the annual report<\/b> and what you get back if you leave. From a legal standpoint, three obligations must be met: registration with the\u2019ORIAS<\/b>, the written statement of suitability, and information on commissions, at least once a year as long as they are received.<\/p>\n

Balmont Conseil is a firm not independent<\/b> In regulatory terms: he receives commissions on the contracts signed. His annual follow-up is free and can be done remotely.<\/p>\n<\/div>\n

You have a securities account, two assurance-vie policies, a retirement savings plan (PER), and a rental property. The question isn't "Is there an online space?", but rather: what information is available there, on what dates, who is responsible for it, and what documents should the advisor provide?<\/p>\n

1. Six requirements for online tracking<\/strong><\/h2>\n\n\n\n\n\n\n\n\n\n\n
Requirement<\/th>\nQuestion to ask<\/th>\nProof to be requested<\/th>\n<\/tr>\n<\/thead>\n
Overview<\/td>\nWhich accounts and contracts appear? Is each line automatically linked or entered manually?<\/td>\nWritten list of lines covered and their power supply methods<\/td>\n<\/tr>\n
Update<\/td>\nAt what rate is each line updated?<\/td>\nLast updated date displayed on each line<\/td>\n<\/tr>\n
Secure access<\/td>\nTwo-factor authentication? Who else can open my account?<\/td>\nWritten description of access and list of authorized persons<\/td>\n<\/tr>\n
Documents<\/td>\nWhere can I find the mission letter, the statement of suitability, and the reports?<\/td>\nSecure space and notification for each new document<\/td>\n<\/tr>\n
Annual Report<\/td>\nIs a dated report submitted annually?<\/td>\nDocument with the date of the appointment and a summary of the discussions<\/td>\n<\/tr>\n
Exit<\/td>\nWhat do we get back if we leave?<\/td>\nExport your documents and data on request<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Account aggregation: ask for the provider's name<\/strong><\/h3>\n

If the service automatically retrieves your bank account information, ask which provider does so. The ACPR (French Prudential Control and Resolution Authority) classifies account information as a payment service: a provider whose sole service is this must be registered with them. Ask for their name and status. For insurance contracts, also ask how they are updated: via a connection with the insurer or by data entry from your statements.<\/p>\n

Secure access: two-factor authentication<\/strong><\/h3>\n

The CNIL (page dated March 14, 2024) recommends prioritizing multi-factor authentication whenever possible, especially for connections from outside the network. It combines at least two categories from among what you know, what you own, and what you are. A customer area accessible via the internet falls into this category.<\/p>\n

2. What the regulations require of your advisor<\/strong><\/h2>\n

Status, remuneration and mission statement<\/strong><\/h3>\n

The financial investment advisor (CIF) is registered with ORIAS and belongs to a professional association approved by the AMF. They must tell you if their advice is independent or not<\/b>. The engagement letter outlines the terms of the advice and the advisor's remuneration. A non-independent advisor may be paid by the company managing the product; if they receive this remuneration over time, they must regularly verify that your investments remain appropriate for your situation (AMF).<\/p>\n

Declaration of suitability and periodic review<\/strong><\/h3>\n

According to the workshop that the AMF dedicated to CIFs in December 2023, the suitability statement is written, submitted before the transaction<\/b>, The document includes the date and time of the consultation and indicates whether a periodic review is necessary. It can be made available in a secure area for the advisor, with notification to the client. If a periodic review is promised, the client is informed in advance, and it takes place. at least once a year<\/b> ; The annual review is documented in a report (date, summary of discussions). In assurance-vie, the ACPR indicates that the reasons for the recommendation are set out in a statement of suitability (July 2018).<\/p>\n

Annual information on commissions and costs<\/strong><\/h3>\n

Article 325-16 of the AMF's general regulations requires investment advisors (CIFs) to apply Articles 314-13 to 314-20. Article 314-17 stipulates that, as long as commissions or benefits are received continuously, the service provider must inform each client individually of the actual amounts. at least once a year<\/b> ; It also refers to Article 50 of Delegated Regulation (EU) 2017\/565 for costs and charges. Request this statement, in euros, annually.<\/p>\n

The insurer's annual statement<\/strong><\/h3>\n

For assurance-vie, the insurer sends an annual statement detailing the performance of euro-denominated funds and unit-linked funds, as well as the fees charged on each unit-linked fund. According to ABE Infoservice (Bank of France), regulations do not mandate a specific deadline for sending this statement. This is yet another reason to ask your advisor for an update date for each contract. See the costs of a assurance-vie policy<\/a>.<\/p>\n

3. Check registration in five minutes<\/strong><\/h2>\n