Issy-les-Moulineaux (92130)
Wealth management adviser in Issy-les-Moulineaux
ASTERALE is a wealth management advisory firm based in Arcueil. We work in Issy-les-Moulineaux with business owners, professionals and families, from €250,000 of investable assets. Our Arcueil office is twenty minutes away. We also see clients by video call, at our Paris 8th offices or at their home, by appointment.
The area
In Issy-les-Moulineaux, the Val-de-Seine district and Île Saint-Germain host the head offices of technology and media companies. We meet founders and technical directors of young companies there, as well as senior executives and professionals. Questions concern BSPCE (French start-up share warrants), BSA warrants and options, and the holding company. At a funding round or exit, we also look at « apport-cession » (tax-deferred contribution of shares to a holding company before a sale). The portion of unlisted shares liable to IFI (French property wealth tax) and international mobility come up too.
Typical situation
A frequent case: the founder of a digital company in the Val-de-Seine district holds BSPCE warrants and is about to raise funds. He wants to know how to exercise and hold his shares. Before the transaction, we compare with his lawyer direct exercise, contribution to a holding company and tax deferral.
A typical situation, drawn from anonymised files. Every real situation is different.
Areas of advice
Wealth review
An inventory of assets, companies, debts, contracts and beneficiary clauses, before any recommendation.
Investments
Choice of wrappers and investments on an open-architecture basis: life insurance, PER, PEA, securities accounts, unlisted assets.
Property
Main residence, rental investment, split ownership, SCI property companies, financing and refinancing.
Tax
Income tax, capital gains, IFI, analysis over several years, working with your tax lawyer and your accountant.
Retirement and protection
PER, employee savings, protection cover, spouse protection.
Estate transfer and business
Gifts, split ownership, life insurance, Dutreil pact, holding company, executive pay, sale of a business.
Method
Every engagement follows four stages, from the initial review to ongoing follow-up.
Wealth review
We list your assets, your income and your family and tax situation, then identify the points to address.
Recommendations
We give you a written report that sets out the reasons for each recommendation in light of your objectives.
Implementation
We select the contracts and investments, then arrange the subscriptions with the institutions concerned.
Follow-up
A review takes place every year, and whenever your situation changes significantly.
Questions
- What minimum amount do you work with in Issy-les-Moulineaux?
From €250,000 of investable assets. We work with a limited number of clients over the long term.
- Are you tied to a bank or an insurer?
No. We select solutions from across the market. We receive commissions (rétrocessions) from asset managers and insurers, the details of which are given to you before any subscription.
- Where do meetings take place?
At our Arcueil office, at our Paris 8th offices, at your home or by video call, by appointment, in French or in English. The first meeting lasts about an hour and is free of charge.
- How is the firm paid?
Through study and follow-up fees, set out in an engagement letter signed before any work. On the solutions subscribed, we also receive commissions from asset managers and insurers, detailed before subscription in the client information document.
Appointments
The first meeting, which lasts about an hour, is free of charge.
- Place
- By video call, in Arcueil, at our Paris 8th offices or at your home, by appointment
- Telephone
- +33 6 28 54 13 74