The 6th arrondissement — Saint-Germain-des-Prés, Luxembourg, Odéon, Saint-Sulpice — is home to a discerning wealth clientele: business lawyers, medical professionals in private practice, heirs, university professors, publishers, antique dealers, owners of established SMEs. ASTERALE serves this clientele with a comprehensive, open-architecture approach to wealth: 360° wealth architecture, tax engineering and succession planning, rigorous selection of investment vehicles.
The 6th is one of the most prestigious arrondissements in Paris, with average wealth well above the national average. Its residents typically hold estates that are already built up yet often under-optimised for tax: prestige real estate (primary residence + rental properties), long-standing underperforming life insurance, securities accounts and PEA, shares in family SCI (property holding companies), multi-generational inheritances. The dominant challenges: optimising IFI (French wealth tax) on real estate holdings, structuring the transfer of wealth to children, repositioning savings into higher-performing vehicles.
François, 64, partner at a business law firm on rue de Tournon, married, two adult children. Total estate of €4.8M: a 145 m² apartment on rue Madame (€3.2M), a stake in the firm (€650,000), life insurance (€520,000), a securities portfolio (€410,000). IFI due: €38,000/year. Objectives: prepare his succession, reduce IFI, organise the professional handover. ASTERALE put in place: a donation-partage (structured family gift) with ownership splitting (démembrement) of the primary residence (-€29,000 of IFI/year), repositioning of the life insurance into selected unit-linked funds, a split-ownership beneficiary clause to optimise the estate. Projected savings over 10 years: -€750,000 across IFI and inheritance tax.
We offer a comprehensive approach to wealth (global vision, multi-disciplinary expertise, long-term guidance) without the conflicts of interest of a private bank.
Ownership splitting (démembrement), pledging, temporary gift of usufruct, real estate holding company: we command every lever of IFI optimisation.
A human-scale firm, CIF professional secrecy, personalised handling: 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 company, apport-cession, pacte Dutreil.
PER, Madelin, article 83, TNS protection cover, spouse protection, supplementary plans.
Gifts, ownership splitting (démembrement), pacte Dutreil, life insurance for estate planning.
Executive remuneration, business sale, holding company, OBO, corporate treasury.
A traditional private wealth management firm charges significant fixed annual fees (often 0.5 to 1% of assets). ASTERALE applies a blended remuneration model (advisory fees + transparent retrocessions) that makes this expertise accessible to estates of €500,000 to €10M.
Yes, we work regularly with notaries in the 6th and 7th arrondissements (notaries on rue de Sèvres, at Odéon and Saint-Sulpice). On request, we can recommend a trusted notary if you do not have one.
Yes, in coordination with an auctioneer and a specialist tax lawyer. Works of art form part of a comprehensive wealth strategy (succession, dation en paiement (art-for-tax settlement), fiducie (French trust)).
Yes, for French tax residents with international assets or ties. We work with a network of tax lawyers specialising in cross-border matters.
At our Arcueil office, at your home in the 6th 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
Open-architecture firm in Arcueil & Paris — bespoke guidance for private clients and business owners from €500,000 in assets. Comprehensive wealth approach, tax engineering, rigorous selection of the finest 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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