The 4th arrondissement — southern Marais, Île Saint-Louis, Hôtel de Ville, Bastille — is home to exceptional real estate holdings and a varied clientele: heirs to historic property, affluent entrepreneurs, established liberal professionals. ASTERALE serves these clients with a comprehensive, open-architecture approach to wealth management.
The 4th arrondissement commands some of the highest property values in Paris (Île Saint-Louis, the private mansions of the Marais). A significant share of residents hold substantial portfolios of historic real estate — often under-optimised for tax purposes. The key issues: IFI (wealth tax) optimisation, ownership splitting (démembrement), succession, and structuring rental assets through an SCI or family SCPI.
Béatrice, 67, widowed, heir to a real estate portfolio in the 4th arrondissement (main residence apartment €2.8m, two rental apartments €1.9m), life insurance of €480,000, two adult children. IFI due: €31,000 a year. ASTERALE structured: a shared gift (donation-partage) with ownership splitting of the rental properties (removing them from the IFI base), a restructured life insurance policy with a split beneficiary clause, and rental income optimisation through an SCI subject to corporate tax. Projected IFI and succession savings: -€1.1m.
Ownership splitting, gifting, property holding companies, asset pledging: complete command.
Shared gifts, ownership splitting (démembrement), estate-planning life insurance.
We work with notaries in the Marais and on the Île de la Cité.
No capital ties to any institution.
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, contribution-sale (apport-cession), pacte Dutreil.
PER, Madelin, article 83, TNS protection insurance, spouse protection, supplementary cover.
Gifting, ownership splitting (démembrement), pacte Dutreil, estate-planning life insurance.
Director remuneration, business sale, holding structures, OBO, corporate treasury.
Yes, several levers are available: ownership splitting (démembrement), temporary gifting, Lombard lending, professional assets. An individual audit is essential.
Depending on your situation: a family SCI, an SCI subject to corporate tax, LMNP furnished letting, ownership splitting in favour of your children. A tailored study is required.
No — the first hour is complimentary.
Wealth management adviser · Founder of ASTERALE
An open-architecture firm in Arcueil & Paris — bespoke guidance for private clients and business owners with assets from €500,000. A comprehensive wealth approach, tax engineering, and a rigorous selection of best-in-class investment solutions.
One hour to understand your situation, identify the first 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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