ASTERALE serves a discerning Parisian clientele of high-net-worth individuals and business owners, principally across the 1st, 2nd, 3rd, 4th, 6th, 13th, 14th and 15th arrondissements. An open-architecture firm based in Arcueil, 10 minutes from Porte d'Orléans, we combine the accessibility of a local adviser with the rigour of comprehensive wealth expertise. Our approach: bespoke wealth architecture, complete open architecture and a long-term relationship.
Paris concentrates a unique density of company directors, elite liberal professionals, senior executives, heirs and wealthy families. Their needs are sophisticated: tax and legal engineering for high earners (TMI — top marginal rate — of 41-45%), business succession through a pacte Dutreil, structuring a sale through a holding company and apport-cession 150-0 B ter (pre-sale share contribution), IFI (wealth tax) optimisation for substantial property portfolios, and a multi-generational approach to family wealth. ASTERALE deploys this expertise for its Parisian clients, alongside — or as an alternative to — private banks and large firms.
Antoine and Claire, 58 and 54, co-directors of a consulting firm based in the Paris 2nd arrondissement (€8M in revenue), with two young-adult children. Total wealth of €6.2M: main residence apartments in the Paris 6th (€2.4M), second home on the Île de Ré (€950,000), shares in their company (€2.2M), life insurance and securities accounts (€680,000). Their plans: a partial sale of the business within 3-4 years, progressive transfer to the children, and retirement planning. ASTERALE structured: a family holding company, an apport-cession 150-0 B ter (pre-sale share contribution) in preparation, a pacte Dutreil gift with retained usufruct, and IFI optimisation through temporary ownership splitting (démembrement) of the usufruct. Projected tax saving on the succession: -€1.6M.
With no commercial targets on in-house products, we select the best-performing solutions on the market — including those of competing private banks.
Holding companies, apport-cession, Dutreil, OBO, private wealth management, IFI, international matters: our expertise covers the full range of HNW issues.
Ten minutes from Paris by RER B or the T7 tram, we come to your office or your home. Video calls are available for routine matters.
Our boutique firm guarantees a direct, lasting and confidential relationship with your dedicated adviser.
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 plans, TNS (self-employed) protection, spouse protection, supplementary cover.
Gifts, ownership splitting (démembrement), pacte Dutreil, life insurance for estate planning.
Director remuneration, business sale, holding companies, OBO, corporate cash management.
A private bank promotes its own products with commercial targets. An open-architecture adviser such as ASTERALE has no in-house products: we freely select the best solutions on the market according to your situation.
Yes, we systematically coordinate with your advisers (notaries, tax lawyers, chartered accountants) to ensure overall consistency across your wealth. We can recommend trusted partners if you do not have any.
Yes, it is one of our areas of expertise. We act upstream (preparation, apport-cession, wealth structuring and valuation) and downstream (investing the sale proceeds, succession planning).
Yes, for clients who are French tax residents with assets or interests abroad (real estate, expatriation, international succession). We work with specialised lawyers on cross-border matters.
On average 2 to 4 times a year: an in-depth annual review, plus quarterly check-ins as circumstances require (markets, tax developments, life events). More often if needed.
Wealth management adviser · Founder of ASTERALE
Open-architecture firm in Arcueil & Paris — bespoke guidance for high-net-worth individuals and business owners with assets from €500,000. Comprehensive wealth planning, tax engineering, rigorous selection of the best solutions.
One hour to understand your situation, identify initial optimisation opportunities 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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