ASTERALE is the open-architecture wealth management firm based at 4 Allée Django Reinhardt in Arcueil, ten minutes from the Porte d'Orléans. Led by Sébastien Bailly, we advise a select clientele of business owners, liberal professionals and high-net-worth individuals in Arcueil and the surrounding communes (Cachan, Gentilly, Le Kremlin-Bicêtre, Villejuif, Montrouge) whose total wealth exceeds €500,000. Our open architecture and analytical rigour allow us to build bespoke strategies aligned with your personal, professional and family objectives.
Arcueil and the communes just south of Paris are home to an affluent population of working professionals and young retirees: senior executives working in Paris or La Défense, SME owners based in the Val-de-Marne business districts, liberal professionals (doctors, lawyers, consultants), and families who own their main residence along with rental property. It is this clientele — whose wealth planning needs go beyond the standard advice of a retail bank — that ASTERALE serves from Arcueil with holistic, personalised expertise.
Marc, 52, runs an industrial SME with 18 employees based in Arcueil; he is married with two children at university. Total wealth of €1.8M, including the main residence (€650,000), a rental property in Villejuif (€320,000), €350,000 in life insurance and cash reserves in his company (~€480,000). Objectives: prepare for retirement within 8 years, pass the family business on to his son, and optimise his current tax position (41% TMI, top marginal rate). ASTERALE set up a family holding company, a PER (retirement savings plan) for Marc and his wife, restructured his life insurance to optimise the succession, and launched a study for a pacte Dutreil. Estimated annual tax saving: €18,000; optimised succession: €480,000 less in anticipated transfer duties.
No capital ties to any bank, insurer or asset management company. Our recommendations are guided solely by your wealth interests.
Based in Arcueil from the very beginning, we know the entrepreneurial ecosystem of southern Paris and the notaries, chartered accountants and lawyers to work with.
We have no off-the-shelf solutions: every wealth strategy is built from your situation, your objectives and your time horizon.
Owner-director remuneration, business sales, apport-cession 150-0 B ter (pre-sale share contribution), pacte Dutreil, family holding companies: we master the issues specific to business owners.
Life insurance, PER, PEA, capitalisation contracts, securities accounts, discretionary management.
SCPI, LMNP, Malraux, Déficit foncier, bare ownership, Monuments historiques.
Income tax, IFI, capital gains, family holding companies, apport-cession, pacte Dutreil.
PER, Madelin, article 83, TNS protection insurance, spouse protection, supplementary cover.
Gifts, ownership splitting (démembrement), pacte Dutreil, life insurance for succession.
Owner-director remuneration, business sales, holding companies, OBO, corporate cash management.
We advise private individuals and business owners with total wealth from €500,000, with no upper limit. Our clients typically hold between €1M and €5M in assets.
No. ASTERALE has no capital ties to any bank, insurer or asset management company, and selects solutions across the whole market on an open-architecture basis. Under MiFID II, the advice provided is classified as « non-independent »: the firm receives retrocessions, disclosed in full before any subscription.
No, the first consultation (1 hour) is complimentary. It allows us to understand your situation, identify initial optimisation opportunities and determine whether our approaches are a good fit.
At our Arcueil office, at your home or by video call. We adapt to your availability and to where you live or work.
We work with complete transparency: wealth planning fees quoted according to complexity, and transparent commissions on the investments placed. No surprises.
Wealth management adviser · Founder of ASTERALE
Open-architecture firm in Arcueil & Paris — bespoke advice for high-net-worth individuals and business owners with wealth from €500,000. Holistic wealth planning, tax engineering, rigorous selection of best-in-class investments.
One hour to understand your situation, identify initial optimisation opportunities and determine whether we are the right answer to your wealth planning needs. In person or by video call. Book your slot directly below.
Widget not loading? Open Calendly in a new tab