I founded ASTERALE to practise a craft that is simple to state and demanding to keep: being a family's single point of contact across its entire estate, and remaining so over time. A deliberately small firm, working on an open-architecture basis, in Arcueil and Paris.
An established estate calls on ten professions: the notary, the tax lawyer, the accountant, the banker, the insurer, sometimes the property dealer. Each is excellent in their own field and none holds the whole picture. My role is to be the one who does: to record, to map, to examine the options, to quantify the consequences, to set the decisions down in an order that holds, and then to coordinate those who carry them out.
I never decide in my clients' place and I sell no in-house product: the firm has no capital ties to any bank, insurer or asset manager. What I sell is written, quantified analysis — and a presence over time.
One person who knows the whole story, speaks to each of your advisers and gives you back the overall picture. More than 150 households advised.
Selection is made across the whole market. Under MiFID II the advice is classified as non-independent: the retrocessions received are disclosed to you before any subscription.
ASTERALE never holds your funds and does not carry out discretionary portfolio management. Orders are executed by the custodians and insurers, on accounts opened in your name.
Everything below is public and verifiable. The French single register of intermediaries, ORIAS, is freely searchable: number 23 007 423.
Registered with ORIAS under no. 23 007 423. Member of ANACOFI-CIF, a professional association approved by the Autorité des marchés financiers.
Insurance broker (COA). Insurance intermediary's agent (MIA). Banking and payment services intermediary agent (MIOBSP).
Transaction licence (carte T) no. CPI85012023000000004, issued by the Paris Chamber of Commerce, without holding client funds.
Activities supervised by the AMF and the ACPR, 4 place de Budapest, 75436 Paris Cedex 09. Professional indemnity policy no. 7400023129 — Zurich Insurance plc.
No crowdfunding activity: the firm is neither a crowdfunding investment adviser nor a crowdfunding service provider. The full statuses appear on the Legal notice page (French).
More than nine years advising private clients, the most recent of them at the head of ASTERALE, the firm I founded and legally represent. Three houses, one point of contact: the choice of a deliberately small firm rather than a structure with several layers.
The status of financial investment adviser is not self-declared: registration with ORIAS requires meeting the professional competence conditions set by the AMF General Regulation, verified by the approved association the firm belongs to — ANACOFI-CIF — which then exercises ongoing supervision over its activity.
Each status carries its own continuing training obligation. Insurance intermediation requires at least fifteen hours a year under the Insurance Distribution Directive (article R. 512-13-1 of the French insurance code). The real estate licence is renewed every three years, with fourteen hours of training a year. The CIF status carries an equivalent annual obligation, monitored by the association.
CIF for investment advice, broker and agent for insurance, agent for credit, carte T for real estate. These four authorisations are not there to sell four categories of product: they are there so that a wealth decision can be examined from end to end without sending the client elsewhere halfway through the reasoning.
I do not manage portfolios on behalf of third parties, I hold no client funds, I carry out no crowdfunding activity, and I do not draw up legal or tax deeds: those belong to the notary, the tax lawyer and the accountant, whose work I coordinate.
Professional profile: LinkedIn. Authorisations verifiable on the ORIAS register.
The firm works under three names, depending on the families it serves. The company, the principal and the authorisations are the same: only the door differs.
The parent house. Wealth management across the Paris region, from around €500,000 in total assets.
Family office for Africa's wealthiest families and entrepreneurs, between Africa, France and Europe. By invitation.
Governance, structuring and succession for substantial French family estates, generally from €5m. By invitation.
The story of the three names — three plants of the Asteraceae family →
An email is enough. You receive a personal reply from me within two working days.
At the Arcueil office, in Paris, at your home or by video call. Without commitment, in French or English.
We rebuild what nobody holds any more: the complete image of the estate, its blind spots and its urgent matters.
I tell you whether there is a case for working together. If there is not, I say that too: it is part of the job.
The French single register of intermediaries (ORIAS) is public : number 23 007 423 can be consulted on orias.fr. It carries the statuses of financial investment adviser, insurance broker, insurance intermediary's agent and banking and payment services intermediary agent. The real estate licence n° CPI85012023000000004 is issued by the Paris Chamber of Commerce.
The firm belongs to no banking or insurance network and selects across the whole market — this is what is called open architecture. Under MiFID II, however, the advice given is classified as non-independent, because the firm receives retrocessions. Their full detail is given to you before any subscription.
Never. The firm does not carry out discretionary portfolio management : orders are executed by the custodians and the insurers, on accounts opened in the client's name.
From around €500,000 of total assets for ASTERALE. The Gazania and Cassinia houses address larger estates, by introduction or recommendation.
French and English. All three of the firm's websites exist in both languages.
4 Allée Django Reinhardt, 94110 Arcueil · sebastien.bailly@asterale.fr · Personal reply within two working days.