INDEPENDENT WEALTH MANAGEMENT CONSULTANT

Transcription

1 INDEPENDENT WEALTH MANAGEMENT CONSULTANT Our profession comprises two realities in total synergy : Consulting in wealth management strategy Consulting in investments The plurality of our partners (15 banking and financial institutions, 20 insurance companies, 30 real-estate developers) is the pledge of our independence and our objectivity. The choice of inter-professionalism (notaries, lawyers, accountants ) allows us to tackle the different issues in all their complexity. SIEGE SOCIAL : 3 rue des Pins GRENOBLE Tél. : Fax : contact@alpes-patrimoine.com Member of the National Association of «Conseils Diplômés en Gestion de Patrimoine» (certified consultants in wealth management) and of ANACOFI-CIF ALPES PATRIMOINE INGENIERIE ALPES PATRIMOINE COURTAGE SARL AU CAPITAL DE RCS Grenoble SARL au capital de RCS Grenoble Activité de transaction sur immeubles et fonds de commerce Courtier en assurances référencé à l'orias sous le numéro Carte professionnelle n 2130 délivrée par la Préfecture de l'isère Conseil en Investissements Financiers agréé par l AMF n E Membres de l Association Nationale des Conseillers Diplômés en Gestion de Patrimoine et de L ANACOFI -CIF Filiales de ALPES PATRIMOINE HORIZON - Conseil en Gestion de Patrimoine SARL au capital de SIRET RCS de Grenoble «Ne peuvent recevoir aucun fond, effet, ou valeur» Garantie financière et responsabilité civile professionnelle conformes aux articles L512,6 et L512,7 du code des assurances et à l'activité

2 THE TEAM Three partners with more than 20 years of track record in finance and wealth management, with multidisciplinary skills, to offer you comprehensive and high-quality delivery. Jean Yves CHARLUET Valérie DANTIC Pierre VAN WOLLEGHEM Managing partner Managing partner Managing partner njrgtsjbhjsdkmfhgj CHARLUET J-Christophe ADRIAENS Expert on financing Erika SERRES Wealth Management Assistant Henri DUQUESNE Wealth Management Consultant Emmanuelle DIBISCEGLIE Head of Back Office OUR SKILLS Wealth management consulting is vast and complex. Our skills encompass many areas, from economic, legal, tax and financial knowledge, to social or real estate expertise The French law submits us to several regulations as well as an ethics Charter that we have vowed to follow. In order to do this, Alpine heritage has received the following professional clearances: Insurance broker registered at the Orias* (*Organization for the Register of Insurance Intermediaries) Real estate agent registered in the Prefecture of Isère Banking and finance canvassing activity referenced at the AMF Appropriate legal jurisdiction granted via a DESS in wealth management. OUR METHOD It is simple and practical: First appointment free Analysis Letter of engagement Fees Diagnosis Advising and strategies Implementation and monitoring Opportunity for a subscription

3 Our business is a synergy of two realities: OUR KNOW-HOW I - WEALTH MANAGEMENT CONSULTING It includes an audit phase : Structure of the wealth Analysis of the matrimonial regime, tax burden, inheritance assessment Social analysis Retirement assessment And a phase of recommendations, according to your goals and life choices: Wealth optimization: matrimonial, civil, tax, and accommodation agreements... Optimisation of social welfare: welfare, health, retirement. At this stage, we do not hesitate to get in contact with your usual professional advisors, notary, lawyer, accountant, in order to enrich our analysis and benefit from our reciprocal guidance. II INVESTMENT CONSULTING Depending on your objectives and constraints, defined above, we develop a customized and scalable strategy. Financial investments according to your risk profile, which we determine together: Multi-management life insurance Banking products: super livrets or comptes à terme Stock investment Growth Capital contracts... Real estate investments directly or indirectly Old or new Residential or commercial Tourism residence, EPHAD, student residence... Optimization of tax devices: Robien, Borloo, Girardin, Malraux, (*French laws) Historical monuments, furnished rentals Accompaniment and negotiation in the financing stages. Our selection of products meets very strict requirements for quality, sustainability and performance. It is always the need of the client which guides our approach. We are particularly careful to keep a complete freedom of choice in this area. This is how we can always offer you the best solution. A personalized and long-term follow-up allows us to tailor-make the solutions implemented to the natural evolution of your wealth situation, as well as to the ever-changing economic and legal environment.

4 III A SPECIFIC APPROACH FOR FOREIGN INVESTORS Because each country has its specific constraints, its own taxes, its culture, our firm is dedicated to accompanying foreign investors in their projects, while respecting their own personal objectives. Accompanying you in your real estate investments in France: Selection of real estate projects tailored to your needs Networking between you and the various stakeholders of the project (Realtor, banker, French administration, notary...) Complementary service to represent you on-sitein the monitoring and the management of the assets Wealth and tax follow-up: the impact of your investment on your tax regime in France, according to international tax treaties. Investments in France Stock investments Controlled rate investments Dedicated funds Investment in art Investment in vines Investment Overseas (French territory overseas) Forestry investment Investment in photovoltaic. Investments proposed recently : French Riviera, Chamonix, castles and vineyards, SICAV... Tracking custom duration allows us to tailor the solutions implemented to natural heritage situation and permanent changes in economic, tax and legal environment. OUR FEES An overall volume of fees is determined for each mission, based on its complexity, and on the time required for its successful realization. Prior to each mission, a letter of engagement is written to clearly determine the details of our strategy. You will also be offered a subscription for wealth management consultancy, to ensure the management of your investments.

5 A SPECIFIC APPROACH TO COMPANIES Because many of our customers are business owners or managers, our firm is careful to jointly address the decision-maker and his company, as the company itself is an essential component of the wealth. Indeed, it is rare not to see oneself identify to one s company. This is true in an emotional manner, but also in a very pragmatic manner: - on the one hand, the company is often the centre-piece of one s wealth - on the other hand, it is the main source of growth of this same wealth -Finally, a business or a professional activity always comprises specificities and constraints, but it also comprises advantages that can be maximized. SOLUTIONS FOR THE COMPANY An audit for a comprehensive social protection of the company Optimization of the head of company s earnings Accompaniment in the negotiation of professional credits Advice on financial sustainability of the company: safeguards human key guarantees between Associates, compatibility between the matrimonial regime of the leader and his or her status... Preparation and optimization of the transmission of the company: support in the economic and financial diagnosis networking with trained professionals reorganization of the wealth in vue of the assignment preparation of strategies for the future use of the funds tax optimisation of capital gains and income.

6 OUR PARTNERS Our independence gives you the freedom to choose the best products from the best companies on the market. We have concluded agreements with the largest insurance companies, the most prestigious asset managers, as well as with sustainable banks, and reliable realtors, in order to be able to advise you freely, and safely: Banking and financial investments: Generali heritage, AXA, Riviera heritage, Swiss Life, NOC heritage, Skandia, UAF, April heritage, Cardif, banks, financial of the Exchequer, Fidelity, DNCA, Axa Bank, Carmignac Gestion, MMA, Oddo Asset Management, Lazare Frères Gestion, AGEAS, GE Money Bank Foresight : Axa, Vauban Humanis, Générali Vie, AIG, Alptis, Cipres vie, April Assurance, Cardif, Aviva Crédit : Crédit Agricole, Crédit Foncier, BNP Paribas, CIC, Cetelem, Crédit Immobilier de France, Banque Privée d Investissement, Caisse d épargne, Banque Populaire, Barclays, Banque Patrimoine et Immobilier Real Estate: François 1er Finances, Cerenicimo, GDP Vendôme, PERL, Groupe Enéade, Bama, Groupe Alain Crenn, Primonial, Groupe NEW-IM et de nombreux promoteurs locaux THE CHOICE OF A MULTIDISCIPLINARY PROFESSION We have made, as a company, an instrumental choice, to be multidisciplinary, in order to address issues in depth, and in their different dimensions. Our partners in these areas, accountants, lawyers, notaries, specialists in the assignment of businesses, are selected for their competence, their proximity and their reactivity. We also collaborate with experts on a national or even European level, in their respective fields, to deal with more specific or complex cases. This choice allows us to keep control of each case in a global approach, whilst retaining the specific expertise of each professional involved.