1er Cabinet de conseil augmenté à l'IA en France

Wealth Management for Self-Employed Professionals

« Alexis, je consacre 60 heures par semaine à mes patients/clients, mon BNC est excellent, mais je n'ai aucun temps pour piloter mes investissements. Ma prévoyance est-elle suffisante ? Comment transformer ma fiscalité actuelle en revenus pour ma future retraite ? »

For a self-employed professional — whether a doctor, lawyer, architect or consultant — wealth is a complex architecture in which the working tool and personal assets are intrinsically linked. Your self-employed status gives you great freedom, but it also requires you to build your own safety nets yourself.

At Balmont Conseil, we act as the engineer of your fortune. As an AI-augmented Wealth Management Adviser (CGP), my mission is to design wealth strategies for you that protect your present while building your financial future.

Analyse personnalisée

Les enjeux spécifiques de la profession libérale

Practising a self-employed profession involves challenges that standard banking solutions cannot resolve on their own. Effective wealth management here must address four major pillars:

Social protection and personal cover

Unlike employees, your social protection depends almost exclusively on your private contracts. Time off work or a disability can have dramatic consequences on your overall financial situation. Auditing your professional personal cover is our absolute priority.

Tax optimisation of the BNC/SEL

With tax rates often falling within the higher brackets (30%, 41% or 45%), reducing charges and tax mitigation are not options but necessities to preserve your self-financing capacity.

Preparing for retirement

The supplementary retirement scheme for self-employed professionals is often structurally insufficient to maintain your standard of living. Capital accumulation through property and financial assets is the main lever to offset the drop in income when you cease your activity.

Transmission and valuation of the working tool

Whether you practise in your own name or through a Professional Practice Company (SEL), the question of valuing your client base or your shares is central when it comes to wealth transmission or retirement.

Nos solutions sur mesure pour les libéraux

We do not sell products; we orchestrate bespoke solutions after a comprehensive wealth review.

Investment strategies and asset diversification

Property investments: We favour acquiring your professional premises (via an SCI) or investing in a rental property through ownership dismemberment to optimise property taxation.
Financial investments: Use of life insurance for its flexibility and of the Retirement Savings Plan (PER) to deduct your contributions from your taxable income (successor to the former Madelin contracts).

Bespoke legal and tax engineering for self-employed professions

Conversion to SELARL/SELAS: We assess the opportunity of transforming your practice structure to steer your remuneration and optimise your social security contributions.
Holding company (SPFPL): Setting up structures to facilitate the buy-out of shares or the investment of your surplus cash.

Méthodologie Balmont Conseil : Les étapes d'une gestion réussie

An investment strategy cannot be improvised.

At Balmont Conseil, we follow a rigorous protocol, designed to transform your professional income into lasting and optimised wealth.

1. Comprehensive Wealth Audit: The diagnostic phase

Before any recommendation, we carry out a precise X-ray of your current situation. This step is the foundation of our advice:

Inventory of assets and liabilities: Analysis of your property, financial investments and debts.
Flow analysis: Study of your cash position (remuneration surplus vs charges) and the structure of your practice.
Personal cover audit: Assessment of your cover in the event of a setback (disability, time off work) to secure the family foundation.

2. Setting Objectives: Your strategic compass

Every investor has distinct priorities. We rank your needs according to your life cycle:

Family protection: Setting up suitable structures (SCI, holding companies) to shelter your loved ones.
Tax optimisation: Turning tax into capital thanks to common-law levers and specific schemes.
Preparing for retirement: Creating immediate or deferred supplementary income.
Inheritance planning: Transmission strategies to minimise the impact of inheritance tax.

3. Architecture of the Solution: Bespoke engineering

This is where our expertise in "open architecture" comes into its own. We do not sell pre-designed products; we assemble the best building blocks on the market:

Strategic property: PINEL+, LMNP, yield SCPI or dismemberment property.
Diversification assets: Access to Private Equity to capture the growth of unlisted companies.
Financial markets: Managed portfolios within life insurance or PEA contracts, with a rigorous selection of SRI or thematic funds.

4. Monitoring and Arbitrage: Agility over time

The financial and legislative world is in perpetual motion. Our support does not stop at signing:

Annual review: A status update to check that the strategy is aligned with your new life projects.
Legislative responsiveness: Immediate adjustment of your arrangements in the face of changes to the Finance Laws.
Tactical arbitrage: Reallocation and structuring of your financial assets according to economic cycles to secure your gains or seize new opportunities.

Erreurs fréquentes et opportunités à saisir

By transforming part of your tax burden into property capital, you no longer simply earn money: you build a resilient structure that works for you.

L'erreur classique : La dépendance aux solutions de réseau

Focusing exclusively on your profession often leads to delegating your financial strategy by default. The most common mistake is to rely solely on the products offered by your high-street bank. These solutions have several major limitations:

Standardisation: Mass-market products that do not take into account the tax and legal specifics of your self-employed status.
Hidden fees: Layers of management and entry fees that erode the real performance of your investments over the long term.
Lack of independence: A bank adviser is often constrained by a product range limited to the interests of their institution.

L'opportunité majeure : Le levier de l'endettement et de la fiscalité

For a self-employed professional, the true key to growth lies in the intelligent use of your borrowing capacity. Unlike precautionary savings, borrowing lets you build wealth with the bank's money, repaid largely by the income from the asset itself.

Leverage becomes an exceptional wealth-building engine when it is coupled with strategic tax advantages:

LMNP (Non-Professional Furnished Lettings): Thanks to the accounting depreciation mechanism, you generate rental income that is almost tax-free over a very long period.
Property Deficit: A powerful solution to wipe out the taxation of your existing property income and reduce your Overall Net Income by financing the renovation of built assets.
Diversification into Tangible Assets: Acquiring professional premises or yield property secures your future while creating a welcome disconnection from the volatility of the financial markets.

FAQ : Vos questions de professionnels libéraux

Dois-je privilégier le PER ou l'assurance-vie ?

Comment protéger ma famille en cas de décès prématuré ?

Est-il rentable d'acheter mes murs professionnels ?

Un accompagnement personnalisé pour votre sérénité

Your time is your most precious resource. By entrusting your wealth management to an expert such as Balmont Conseil, you benefit from a comprehensive vision and cutting-edge engineering. We bring your private and professional spheres into harmony so that today's success becomes tomorrow's freedom.

Ready to secure your financial future?

Book an appointment for your Initial Wealth Review and discover our solutions dedicated to self-employed professionals.

Alexis Sagnier

With over 17 years of expertise in financial engineering, Alexis Sagnier supports executives and expatriates in securing their cross-border challenges.

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Sources & Références :

French General Tax Code (CGI): Article 155 B.
Official Bulletin of Public Finances (BOFiP): Inbound assignees regime (BOI-RSA-GEO-40).
2025 Finance Law: Analysis of recent developments.
Case law on inbound assignment: Rulings of the Council of State on reference remuneration.
ANACOFI Member Handbook: Standards for wealth engineering advice.

Voir

Prêt à structurer votre futur ?

Whether you are in Lyon or on the other side of the world, Alexis Sagnier and the Balmont Conseil team are here to listen.

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