ASTERALE advises residents and professionals of Le Kremlin-Bicêtre on managing and optimising their wealth. Based in Arcueil, just 5 minutes away by car, we meet you at your home, at our offices or by video call. We combine proximity, open architecture and 360° wealth expertise from €500,000 in total assets.
The town is home to the CHU Bicêtre (AP-HP), a major hospital hub, and a large community of healthcare professionals: hospital physicians, surgeons, dentists, pharmacists. Add to this a population of executives working in Paris and families who own detached houses. The dominant wealth issues: optimising high incomes (41-45% marginal tax bracket, TMI), Madelin plans for independent practitioners, succession, buy-to-let property, retirement.
Dr Élise, 51, hospital physician at CHU Bicêtre plus a private practice, married, two children. Income: €230,000/year (mixed salary + BNC professional earnings). Assets: house in Le Kremlin-Bicêtre (€820,000), life insurance (€190,000), Madelin plan (€75,000). ASTERALE strategy: maximum contributions to the Madelin plan (saving €14,000/year), purchase of an LMNP (furnished rental) studio in Villejuif to build retirement income, restructuring of her life insurance. Annual tax saving of €14,000, positive rental cash flow.
Hospital physicians, independent practitioners, allied health professionals: we have full command of mixed statuses and their specific regimes.
Based in Arcueil, 5 minutes from Le Kremlin-Bicêtre.
No in-house products, unbiased advice.
Retirement optimisation for high-earning independent professionals.
Life insurance, PER, PEA, capitalisation contracts, securities accounts, discretionary management.
SCPI, LMNP, Malraux, property deficit schemes, bare ownership, historic monuments.
Income tax, IFI, capital gains, family holding companies, apport-cession, pacte Dutreil.
PER, Madelin, article 83, TNS protection insurance, spouse protection, supplementary cover.
Gifting, ownership splitting (démembrement), pacte Dutreil, life insurance for estate planning.
Executive compensation, business sale, holding structures, OBO, corporate treasury.
Yes, it is one of our specialities: optimising mixed income (AP-HP salary + private practice), Madelin, SELARL.
Yes — legal structure, pharmacy financing, succession, retirement.
€500,000 in total assets.
Wealth management adviser · Founder of ASTERALE
Open-architecture firm in Arcueil & Paris — bespoke advice for private clients and business owners from €500,000 in assets. A holistic approach to wealth, tax engineering, and rigorous selection of best-in-class investments.
One hour to understand your situation, identify initial avenues for optimisation and determine whether we are the right answer to your wealth objectives. In person or by video call. Book your slot directly below.
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