Issy-les-Moulineaux — a major tech and media hub of the Paris region, nicknamed the "digital city" — is home to a distinctive wealth clientele: executives and senior managers of tech giants (Microsoft France, Cisco Systems, France Télévisions, Bouygues Telecom, Hewlett-Packard Enterprise, Sodexo, Aficor), startup founders and CTOs in the growth phase (the Val-de-Seine district attracts fast-growing tech companies), senior executives in finance and consulting, and independent professionals. The wealth planning issues here are specific: BSPCE, BSA, tech stock options, apport-cession (share-for-share rollover) at fundraising, structuring a family holding company for a scale-up, IFI (wealth tax) on unlisted shares. ASTERALE serves this tech clientele with dedicated expertise.
Issy-les-Moulineaux, particularly the Val-de-Seine district and the Île Saint-Germain, hosts dozens of tech headquarters. Our local clientele is mainly made up of: executives and senior managers of the major tech groups (Microsoft France, Cisco Systems, Sodexo, Bouygues Telecom, France Télévisions, HPE), startup founders and co-founders at Series A, B or C stage, CTOs and VPs of Engineering with BSPCE/BSA to exercise, venture capital and private equity professionals, and senior executives in finance, digital marketing and tech HR. The dominant issues: optimised exercise of BSPCE/BSA/tech stock options, tax management of a startup sale (apport-cession 150-0 B ter), post-sale holding company structuring, IFI (wealth tax) on unlisted shares (valuation), and international tax optimisation (distributed teams, mobility).
Thomas, 42, co-founder and CTO of a B2B SaaS startup based in Issy (50 employees, Series B raised 18 months ago), married with two young children. Assets: BSPCE currently vesting (projected value of €2.5M at sale), a 100 m² apartment in Val-de-Seine (€980k), life insurance (€180k), cash (€290k), and 2% of the startup's capital (valued at €1.4M). Total attributable: €5.4M, but highly illiquid. Objectives: prepare the exit (planned within 2-3 years, target valuation €50M post-money), structure an apport-cession to benefit from the CGI 150-0 B ter tax deferral, and anticipate IFI (wealth tax) on unlisted shares post-sale. ASTERALE, with its partners, put in place: a family holding company subject to corporate tax, a contribution of BSPCE shares to the holding under the CGI 150-0 B ter regime (tax deferral), Luxembourg life insurance for post-exit diversification, and an IFI simulation with temporary ownership splitting (démembrement). Projected saving at sale: -€650k in tax versus the gross flat tax.
We offer a comprehensive wealth approach (global vision, multi-disciplinary expertise, long-term guidance) without the conflicts of interest of a private bank.
Ownership splitting (démembrement), collateral pledging, temporary gifts of usufruct, real estate holding companies: we master every IFI optimisation lever.
A boutique firm, professional secrecy as a licensed financial adviser, personalised handling: your wealth remains strictly confidential.
We work hand in hand with your notary, tax lawyer and accountant. Our role is that of wealth strategy conductor.
Life insurance, PER (retirement savings plan), PEA, capitalisation contracts, securities accounts, discretionary management.
SCPI, LMNP, Malraux, land deficit schemes, bare ownership, historic monuments.
Income tax, IFI, capital gains, family holding companies, apport-cession, pacte Dutreil.
PER, Madelin, article 83, TNS (self-employed) protection, spouse protection, supplementary cover.
Gifts, ownership splitting (démembrement), pacte Dutreil, life insurance for inheritance.
Executive remuneration, business sale, holding companies, OBO, corporate cash management.
The main lever is the apport-cession (CGI 150-0 B ter): contributing your shares to a family holding company subject to corporate tax before the sale allows you to benefit from a tax deferral. Under certain conditions (reinvestment of 60% within 24 months if the sale occurs within 3 years), you can turn an immediate tax cost into a long-term wealth-building tool. We structure this arrangement with your corporate lawyer.
BSPCE (founder share warrants) benefit from a favourable tax regime (CGI 163 bis G): taxation at sale rather than at exercise, at a rate of 12.8% or 30% depending on the company's age at grant. We optimise the exercise and sale calendar (timing, staggering), and where appropriate structure a family holding company for future gains.
Yes, we regularly coordinate with corporate law firms specialised in tech M&A (Bird & Bird, Gide, Goodwin, Bredin Prat, Jones Day) on sale transactions, fundraisings and holding company structuring.
At our Arcueil office (25 minutes by car), at your offices in Issy or at your home, or by video call. One hour, free of charge, strictly confidential. For tech matters (BSPCE, apport-cession, an exit in progress), we often schedule a second technical scoping session.
Yes. We advise dozens of tech founders and senior executives whose wealth is 60-80% illiquid (startup shares, BSPCE, holding company stakes). We structure the available liquidity, anticipate the exit, prepare for IFI (wealth tax) on unlisted shares and coordinate with your tax adviser on upcoming transactions.
Wealth management adviser · Founder of ASTERALE
An open-architecture firm in Arcueil & Paris — bespoke guidance for high-net-worth individuals and business owners from €500,000 in assets. Comprehensive wealth approach, tax engineering, rigorous selection of the finest investment vehicles.
One hour to understand your situation, identify the first optimisation opportunities and determine whether we are the right answer to your wealth objectives. In person or by video call. Book your slot directly below.
Widget not loading? Open Calendly in a new tab