Building Wealth in France as an Expat is Hard. Let Me Help.

Yes, 100%. I lived abroad for 12 years (Australia, New Zealand, Japan, South Korea) and I'm completely fluent in English. All consultations can be conducted entirely in English, and I can explain complex French financial concepts in clear, simple terms.

Absolutely. I specialize in helping expats navigate French property investment. Whether you want a rental apartment, SCPI real estate funds, or your primary residence, I'll guide you through:

• French mortgage applications (yes, expats can get them!)
• Tax-efficient structures (LMNP, SCI, etc.)
• Finding the right property or SCPI fund
• Understanding rental income, charges, and taxes

First consultation is FREE with no obligation. After that, fees depend on what you need:

• One-time advice: Fixed fee discussed upfront
• Investment products: Transparent commission from providers (disclosed)
• Ongoing support: Annual retainer for continuous financial management

Philosophy: I work transparently. You'll know exactly what you're paying and why. No hidden fees, ever.

CGP = Conseiller en Gestion de Patrimoine (Wealth Management Advisor). It's the French equivalent of a financial planner.

I'm fully licensed and regulated:

• CIF (Conseil en Investissement Financier): Investment advice license
• IOBSP: Mortgage broker license
• MIA: Insurance intermediary license
• Registered with AMF (French financial regulator) and ORIAS n°25004390
• Member of CNCEF (professional association)

Your money and your trust are protected by French law.

Yes! Many expats invest in France even if they plan to return home later. Here's why it makes sense:

• Property: You can keep rental income flowing even after you leave
• SCPI: Passive real estate income (5.5-7% yield) that doesn't require you to be in France
• Assurance-vie: Portable investment accounts with tax benefits (fonds euros guaranteed 3-4% with our partner boost rates)
• Diversification: Having assets in multiple countries is smart

We'll build a strategy that works for your timeline — whether it's 2 years or 20 years in France.

Transparent pricing, discussed upfront:

• First consultation: 100% FREE, no obligation
• Advisory fees: Typically 1~2% depending on services (max 4.75% for complex international cases)
• No hidden charges: Everything is explained clearly before we start

My goal is to GROW your wealth far beyond what you pay in fees. If I can't add real value, I'll tell you honestly.

Realistic expectations based on your risk profile:

• Conservative (low risk): Fonds euros (guaranteed capital) = 3-4% annual return with our partner boost rates. Far better than Livret A (1.7%).
• Moderate: SCPI real estate funds = 5.5-7% average annual yield (some reach 8%)
• Growth-oriented: Diversified ETF portfolios = 6-9% long-term average (higher volatility)
• Property investment: Buy-to-let apartments = 4-6% net rental yield + capital appreciation

⚠️ Important: Past performance doesn't guarantee future results. All investments carry risk, including potential loss of capital. We'll build a strategy that matches YOUR risk tolerance and timeline.

Huge difference:

French banks:

• Sell only their own products (limited options)
• Salespeople, not advisors (targets to hit)
• Rarely speak fluent English
• One-size-fits-all approach

Me (independent advisor):

• Access to ALL products on the market (best options for you)
• My only goal: grow YOUR wealth, not sell products
• Fluent English, expat-friendly
• 100% tailored strategy for your situation

Bottom line: I work for YOU, not a bank.

Short answer: Yes, but indirectly.

I'm not a tax accountant, but I:

• Optimize your investments to be tax-efficient in France
• Understand double taxation treaties between France and major countries (UK, USA, Australia, etc.)
• Coordinate with your tax advisor to ensure everything aligns
• Structure investments to minimize tax impact

Recommendation: Work with me for financial strategy + a specialized tax accountant for tax filing. I can recommend trusted English-speaking accountants if needed.

SCPI = Société Civile de Placement Immobilier (Real Estate Investment Fund)

Think of it as: Owning shares of a big portfolio of rental properties without the hassle.

Why expats love SCPIs:

• Passive income: Get quarterly rental income (4-9% annual return)
• No management: No tenants, no repairs, no stress
• Diversification: Your money is spread across 100+ properties
• Accessible: Start from €5,000-10,000
• Portable: Keep earning even if you leave France

Example: Invest €50,000 → earn ~€270-300/month (net after taxes, TMI 11%)

NO. Don't wait. This is the biggest mistake expats make.

Here's the truth:

• Wealth doesn't come from having a lot of money — it comes from having a strategy
• Starting with €100/month at age 25 beats starting with €500/month at age 40
• Time in the market > timing the market

What we can do with small amounts:

• €100-200/month: Assurance-vie (stock market), automatic savings plans
• €5,000-10,000: Start SCPI, Assurance-vie
• €20,000+: Property investment, diversified portfolio

The best time to start was yesterday. The second best time is today.

I'm based in Sautron (near Nantes, Loire-Atlantique), but I work with expats all over France.

Meeting options:

• Video call (Zoom/Google Meet): Most convenient for expats
• In-person (Sautron/Nantes area): Coffee at my office or a café
• Phone call: Quick questions, follow-ups

Most expats prefer video calls — saves time, works from anywhere, still super personal.

Yes, and it's crucial. French inheritance laws are strict and can surprise expats.

What I help with:

• French succession laws: Understand forced heirship rules
• Cross-border estates: Assets in France + your home country
• Life insurance strategies: Protect wealth for heirs (tax-efficient)
• Optimize inheritance tax: Legal ways to minimize tax burden
• Coordinate with notaires: Work with legal professionals

Important for expats: If you're not careful, French inheritance tax can take 30-60% of your estate. Let's plan ahead.

Depends on your goals, but here's realistic timelines:

Immediate (0-6 months):

• Financial clarity & stress relief
• Accounts set up (Assurance-vie, PEA, etc.)
• Strategy in place

Short-term (1-3 years):

• First rental property purchased
• Emergency fund built
• Passive income streams started

Long-term (5-10+ years):

• Significant wealth accumulation
• Multiple income streams
• Financial independence

Key message: Wealth building is a marathon, not a sprint. But you'll feel progress from day one.

That's exactly why I'm here.

French financial system has unique terms:

• Assurance-vie = Life insurance (but it's actually an investment account!)
• PEA = Plan d'Épargne en Actions (tax-efficient stock market account)
• SCPI = Real estate investment fund
• TMI = Your tax bracket
• Prévoyance = Income protection insurance

I translate everything into plain English — no jargon, no confusion. If you don't understand something, I haven't explained it well enough.

We plan for that from the start.

Flexible strategies for mobile expats:

• Keep French investments: SCPIs and property can generate income wherever you live
• Portable accounts: Assurance-vie often works cross-border
• Exit strategy: We build in flexibility for life changes
• Tax considerations: Understand implications before you move

Many expats keep French assets even after leaving — it's smart diversification.

Yes! The rest of this website is in French, but you can easily translate it.

How to translate:

• Chrome: Right-click → Translate to English
• Safari: Click translation icon in address bar
• Firefox: Install Google Translate extension

Recommended pages (in French, but translate them!):

• Investment options guide
• Property investment details
• Define your financial goals

Or just book a call — I'll explain everything in English!