Why call on a wealth manager?
Aimed at individuals with incomes of tens of millions of euros, wealth management establishments offer their clients financial, legal and tax advice. Should we favor the ownership of real estate alone, or should we go through a SCI (Société Civile Immobilière)? What are the advantages ? These experts have answers to all these questions and make the wealth of their customers grow.
What is a wealth manager?
Maximizing the value of your assets can be complicated. To help high incomes to position themselves, there are wealth managers, not to be confused with wealth managers. The former, known as Family offices, limit the number of their clients in order to provide them with in-depth and very personalized advice. These wealth engineers, tax experts, work with lawyers, notaries or financiers and manage very large assets (at least one million euros in financial or real estate assets). Asset managers perform the same missions, for households with slightly lower incomes (from 150,000 to 1 million euros).
The asset manager can either be completely independent or depend on a bank or an insurance company. The difference is important because professionals affiliated with a large network tend to offer their clients financial products from the establishment that employs them. Conversely, the independent asset manager seeks, among a much larger panel, the assets that best suit his clients without his interest in promoting one over another.
Like a family doctor, the asset manager, especially if he is independent, often follows his client throughout his wealth journey. According to the stages of his life. He provides him with the appropriate advice, solutions and strategies to be put in place to diversify his risks and maximize his returns. The remuneration for its interventions can take the form of fees, the terms of which are specified in a letter of engagement or by remuneration linked to the investments.
Alter Family Office by Vaneau Patrimoine: the new solution to manage your assets
Vaneau Patrimoine is one of the major players in independent wealth management with its Alter Family Office solution. This service is intended for people whose financial assets are greater than 1.5 million euros, the managers are limited to 20 portfolios and all have authorization from the Autorité des Marchés Financiers (AMF). To best serve the interests of their client in terms of tax optimization, they work with tax specialists, wealth engineers, accountants and notaries.
Professionals not only advise individuals in their arbitrations according to their objectives, but they are also there to help them build a portfolio of shares. To do this, each manager takes into account the level of return sought and the duration of the investment. As Alter Family Office is completely independent, the financial products presented to clients come from all possible markets, from the stock exchange to vineyards and works of art.
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