The 5th arrondissement — Quartier Latin, Sorbonne, Panthéon, Mouffetard, Jardin des Plantes — is home to a distinctive wealth clientele: Sorbonne academics, physicians in private practice (École de Médecine, rue de l'Estrapade), publishers and book-trade professionals, researchers, hospital medical professionals (La Pitié-Salpêtrière), and heirs to Left Bank property estates. ASTERALE serves this clientele with a comprehensive, open-architecture approach to wealth: 360° wealth architecture, tax engineering and succession planning, and rigorous selection of investment vehicles.
The 5th arrondissement stands out for its concentration of academics, physicians in private practice, researchers and long-established Parisian families. Wealth here is often built on Left Bank property (main residence plus rental assets), traditional life insurance, shares in family SCI (property holding companies) and inherited PEA accounts. The dominant challenges: optimising IFI (wealth tax) on real estate, structuring intergenerational succession, and repositioning legacy savings onto higher-performing vehicles.
Pierre, 58, tenured professor at the Sorbonne, married, two children in higher education. Total wealth of €3.2M: a 110 m² apartment on rue Mouffetard (€1.9M), a share in a family SCI (€650,000), a long-held life insurance policy (€380,000), a PEA (€270,000). IFI due: €22,000/year. Objectives: prepare the transfer to his children, reduce IFI, put dormant savings to work. ASTERALE implemented: a donation-partage (structured family gift) with ownership splitting (démembrement), repositioning of the life insurance into carefully selected unit-linked funds, and the opening of a PER for tax relief. Savings over 10 years: -€480,000 across IFI and inheritance tax.
We deliver 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 gift of usufruct, property holding companies: we master every lever of IFI optimisation.
A boutique firm, CIF professional secrecy, personalised treatment: your wealth remains strictly confidential.
We work hand in hand with your notary, tax lawyer and accountant. Our role is that of conductor of your wealth strategy.
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 estate planning.
Executive remuneration, business sale, holding companies, OBO, corporate treasury.
Bank advisers are paid to sell in-house products. ASTERALE has no in-house products to place, selects the best investment vehicles on the market and charges transparent remuneration (fees + disclosed retrocessions). You gain in both performance and clarity.
Yes, we work regularly with the notaries of the 5th arrondissement and the Left Bank (notaries of Saint-Michel, the Panthéon, rue Mouffetard). On request, we can recommend a trusted notary.
Yes, in coordination with an auctioneer and a specialised tax lawyer. Cultural assets are part of a comprehensive wealth strategy (succession, dation en paiement — settling tax in kind).
Quite the opposite — it is our daily work. We advise French tax residents with assets spread across several regions or countries.
At our Arcueil office, at your home in the 5th arrondissement, or by video call. One hour, free of charge, confidential. You leave with a clear reading of your situation and 2-3 initial optimisation avenues.
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 best investment vehicles.
One hour to understand your situation, identify the first optimisation avenues and determine whether we are the right answer to your wealth challenges. In person or by video call. Book your slot directly below.
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