ASTERALE serves the entire Val-de-Marne (94) from its office in Arcueil. From the north of the department (Vincennes, Saint-Mandé, Charenton-le-Pont, Ivry-sur-Seine, Maisons-Alfort) to the south (Sceaux, Bourg-la-Reine, l'Haÿ-les-Roses, Fresnes), we advise a discerning clientele of business owners, liberal professionals and private clients whose total assets exceed €500,000. Our open architecture and local roots are our strength.
The Val-de-Marne department is home to a remarkable economic fabric: the business zones of Rungis (the world's largest food market), the service-sector hubs of Ivry, Créteil and Maisons-Alfort, technology parks, and a large number of industrial, commercial and service SMEs. This economic density translates into a population of business owners, liberal professionals and senior executives with sophisticated wealth needs: tax optimisation, business succession, real estate structuring, retirement planning and spousal protection. ASTERALE advises this clientele with an intimate knowledge of the territory and its local economic players.
Sophie, 47, a dental surgeon in private practice in Vincennes, married, three children. Net professional income: €240,000/year, TMI (marginal tax rate) 45%. Assets: main residence in Saint-Mandé (€920,000), professional premises held through an SCI (property company) (€380,000), life insurance (€180,000), Madelin plan (€120,000). Sophie had neither optimised her remuneration nor planned her succession. ASTERALE deployed: maximum contributions to a PER (retirement savings plan) (tax saving of €41,000/year), purchase of an office building under LMNP (furnished rental status) with an interest-only loan, and a shared gift with ownership splitting (démembrement) for the children. Result: €41,000 in annual tax savings and €600,000 passed on early, outside the estate.
With no capital ties to any bank or insurer, we freely select the best investment vehicles on the market.
A firm rooted in Arcueil since our beginnings, we know the entrepreneurial and wealth ecosystem of the 94: notaries, accountants, tax lawyers.
We approach your wealth holistically: financial, real estate, business, succession, tax, retirement, protection.
Pacte Dutreil, family holding company, apport-cession 150-0 B ter (share contribution-sale), SAS / SARL remuneration optimisation: we have full command of the levers specific to entrepreneurs.
Life insurance, PER, PEA, capitalisation contracts, securities accounts, discretionary management.
SCPI, LMNP, Malraux, property deficit schemes, bare ownership, historic monuments.
Income tax, IFI (wealth tax), capital gains, family holding company, apport-cession, pacte Dutreil.
PER, Madelin, article 83 plans, TNS protection insurance, spousal protection, supplementary cover.
Gifts, ownership splitting (démembrement), pacte Dutreil, estate-planning life insurance.
Director remuneration, business sale, holding company, OBO, corporate cash management.
Yes, we travel throughout the entire department: Arcueil, Vincennes, Saint-Mandé, Charenton, Ivry, Maisons-Alfort, Sceaux, Antony, Châtenay-Malabry, Fresnes and every commune in the 94.
Yes, we regularly coordinate with our clients' notaries and accountants to ensure overall consistency across their wealth, particularly on succession or business-sale transactions.
We advise clients with total assets of €500,000 or more. This ensures the strategies we deploy have a real impact.
It is one of our core areas of expertise. We have full command of Madelin plans, PER for the self-employed, majority managing-director remuneration, EURL/SELARL structures and spousal protection.
At our Arcueil office or at your home, 1 hour, free of charge. We discuss your situation, your objectives and your current tax position, and together we identify the first avenues for optimisation.
Wealth management adviser · Founder of ASTERALE
Open-architecture firm in Arcueil & Paris — bespoke advice for private clients and business owners with assets of €500,000 or more. A holistic wealth approach, tax engineering, and rigorous selection of the best investment vehicles.
One hour to understand your situation, identify the first avenues for optimisation 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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