Carat Capital

What Carat Capital does

Carat Capital is a French independent wealth management advisory firm (Conseil en Gestion de Patrimoine) founded in 2006 and headquartered at 85 boulevard Haussmann, Paris, with additional regional offices in Toulouse, Montélimar, and Lyon. The firm is registered with ORIAS under number 07026597 as a Conseiller en Investissements Financiers (CIF), adherent of the CNCGP association approved by the AMF, and additionally operates as a Courtier en Opérations d'Assurances, Intermédiaire en Opérations de Banque, and holder of a real estate transaction carte professionnelle (CPI 7501 2016 000 012 086). Its core offering, "Solutions Patrimoniales Sur-Mesure," delivers bespoke, multi-disciplinary advice across financial investment, real estate, insurance, tax optimization, estate/succession planning, and business ownership transitions, while its "Finance à Impact" pillar serves clients seeking sustainable, impact, and philanthropic outcomes. The firm also productizes three proprietary allocation wrappers — Signature Allocation Balanced, Moderate, and Dynamic — with public reporting cycles. There is no proprietary software platform; technology consists of standard professional tools for financial analysis, portfolio reporting, and client communication.

The business model rests on a combination of advisory fees (CIF mandates and personalized estate planning mandates) plus transaction/commission revenue from insurance and banking product placement and real estate transaction advisory. Client acquisition is relationship-driven, relying on direct advisor engagement across the four offices and on referrals from an ecosystem of notaries, lawyers, accountants, and institutional partners including Utmost Patrimoine, Cedrus & Partners, and Axa Thema. Carat also sits within the Allen Group ecosystem, which provides international reach — extended concretely via a November 2025 partnership with Patrimolink to serve French expatriates in Hong Kong, Singapore, and the UAE. Day-to-day operations are led by founder/CEO Sandrine Genet, with Deputy CEO Alexandra Passos Vardasca heading internal leadership, supported by a Director of Private Clientele (Nicolas Cretet), a CFO/Financial Engineering lead (Jérôme Livran, CFA), and a management team drawn from BNP Paribas Wealth Management, notarial practices, and other leading French advisory houses.

The firm serves primarily affluent and high-net-worth individuals and families in France, with secondary segments covering business owners/corporate executives navigating succession, capital gains, and private equity allocation, and impact-oriented investors. Governance is founder-/partner-led under a SAS legal entity (CARAT CAPITAL, RCS Paris); the firm is private, has not raised disclosed external capital, and operates on a registered share capital of €36,180. Headcount is approximately 24 professionals as listed on the public team page.

Name

Carat Capital

Legal name

CARAT CAPITAL

Website

https://caratcapital.fr

Company type

Private

Founded year

2006

Operating status

Operating

Headcount range

11–50 employees

Short description

Carat Capital is an ORIAS-registered French independent wealth management advisory firm serving HNW individuals and families across four offices with bespoke financial, real estate, tax, insurance, succession, and impact investing solutions.

Ownership category

akta.pro rank

Product category

Wealth Management Advisory

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro primary industry

Portfolio Construction & Asset Allocation Advisory (FSAEAAAC)

akta.pro secondary industries

Target-Risk / Risk-Profile Model Portfolios (FSAAAJAD), Real Estate Advisory & Consulting (Strategy, Portfolio & Location) (FSAEAJAH), Estate, Gift & Trust Valuation (BPAHANAL)

Keywords

• Wealth management advisory
• Estate planning services
• Financial investment advisory
• Tax optimization
• Impact investing

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices4 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Infrastructure, Others

Revenue model

1. Financial Investment Advisory (CIF): Carat Capital operates as a Conseiller en Investissements Financiers (CIF), registered with ORIAS under number 07026597, and is an adherent of CNCGP association agréée auprès de l'AMF. Revenue is generated through advisory fees for financial investment advice provided to private clients on asset allocation, portfolio construction, and financial markets.
2. Insurance Brokerage: As a Courtier en Opérations d'Assurances, Intermédiaire en Opérations de Banque et Services de Paiement, Carat Capital earns commissions on insurance and banking products placed for clients, including life insurance (assurance vie), property & casualty insurance, and prévoyance (protection/insurance) solutions.
3. Real Estate Transaction Advisory: Carat Capital holds a carte professionnelle n° CPI 7501 2016 000 012 086 for real estate transactions on immeubles et fonds de commerce (real estate and business asset transactions), generating advisory fees on property sales, purchases, and restructuring.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

Carat Capital provides bespoke wealth management advisory to private clients, covering financial investment advisory (CIF), insurance brokerage, real estate transaction advisory, estate and succession planning, tax optimization, and impact investing. The firm also offers three proprietary Signature Allocation funds (Balanced, Moderate, Dynamic) and serves clients through four French offices plus an expatriate partnership covering Hong Kong, Singapore, and the UAE.

Product overview

Carat Capital is a wealth management advisory firm (Conseil en Gestion de Patrimoine) offering custom-tailored solutions structured around two main offerings: Solutions Patrimoniales Sur-Mesure (covering wealth transmission, cessions, income, protection, and international services) and Finance à Impact (sustainable and impact investing across three pillars: sustainable management, impact investing, and philanthropy). The firm also manages three proprietary fund products under the Signature Allocation range (Balanced, Moderate, and Dynamic) for diversified client portfolios.

Differentiator

Problem solved

Functional benefit

Products and services

• Solutions Patrimoniales Sur-Mesure Custom wealth management solutions covering transmission (wealth transfer), sales/exits (cessions), new life transitions, construction, income, protection, impact investing, and expatriate services, tailored for private clients and business owners.
• Finance à Impact Sustainable and impact investing services structured around three pillars: sustainable management, impact investing, and philanthropy, targeting energy transition, health and wellness, and transforming industries; for clients seeking ESG-aligned portfolios and SFDR Article 8/9 fund allocation.
• Fonds Signature Allocation Balanced Balanced allocation proprietary fund offering diversified investment across multiple asset classes for private clients with moderate risk-return profiles.
• Fonds Signature Allocation Moderate Moderate allocation proprietary fund designed for balanced risk-return profiles within multi-asset portfolios.
• Fonds Signature Allocation Dynamic Dynamic allocation proprietary fund targeting higher growth potential with increased market exposure for clients with higher risk tolerance.
• Financial Investment Advisory (CIF) Conseil en Investissements Financiers (CIF) advisory service registered with ORIAS under number 07026597 and adherent of CNCGP association approved by AMF, providing financial investment advice on asset allocation, portfolio construction, and financial markets to private clients.
• Insurance Brokerage Insurance brokerage and banking intermediary services (Courtier en Opérations d'Assurances, Intermédiaire en Opérations de Banque et Services de Paiement) placing life insurance (assurance vie), property & casualty insurance, prévoyance, and banking products for private clients.
• Real Estate Transaction Advisory Real estate transaction advisory under carte professionnelle n° CPI 7501 2016 000 012 086, providing advisory on property sales, purchases, and restructuring for immeubles et fonds de commerce (real estate and business assets).

Named customers4 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Six partnerships are on record, tiered strategic, core and flagship.

• PatrimolinkstrategicGTM or Marketing Partner · 1 November 2025Carat Capital and Patrimolink announced a strategic partnership in November 2025 to serve French expatriates in Hong Kong, Singapore, and the United Arab Emirates with French real estate investment advisory services. Patrimolink specializes in French property investment for expatriates, complementing Carat's wealth management expertise.
• Utmost PatrimoinecoreStrategic or Co-development PartnerUtmost Patrimoine is a long-standing strategic partner of Carat Capital. The partnership is described as founded on trust, expertise, know-how, and quality of exchanges. President Mathieu Duballet cites Carat as an essential player in the wealth management sector.
• Cedrus & PartnerscoreStrategic or Co-development PartnerCedrus & Partners partnered with Carat Capital to work on unlisted asset allocations for Carat's private clients. General Director Sébastien Roca describes Carat as 'technicians exigeants' (exacting technicians) who place client interests at the center.
• Axa ThemacoreChannel Partner/ Reseller/ DistributorAxa Thema partnered with Carat Capital on partnerships, reflecting shared values and quality standards. Director Cédric Hebinger describes Carat as a reliable and engaged partner.
• Allen Group (Allen Ecosystem)flagshipStrategic or Co-development PartnerCarat Capital is part of the Allen ecosystem, which strengthens its operational capacity while preserving its distinctive agility. The synergy provides access to exceptional international resources, expertise, and networks to serve client interests.
• Notaries, Lawyers, and Accountants NetworkcoreOthersCarat Capital collaborates closely with a network of expert partners — notaries, lawyers, accountants — sharing the same vision: transforming wealth complexity into concrete action levers.

Scale indicators2 records

Recent moves7 records

Expansion highlights5 records

Broad incumbents

• Indosuez Wealth Management: Private banking arm of Crédit Agricole CIB serving HNW clients in France, Europe and Asia with investment advisory and wealth structuring. Directly comparable in cross-border HNW advisory, including expat French client coverage in Asia.
• BNP Paribas Wealth Management: Large French bulge-bracket private bank serving HNW and UHNW clients globally with integrated investment, real estate and estate advisory. Sets the competitive ceiling on integrated cross-border HNW advice that Carat aspires to compete against at smaller scale.
• Rothschild & Co Wealth Management: Global private banking and wealth advisory firm with strong French heritage serving HNW/UHNW families. Comparable on integrated cross-disciplinary advisory (financial, estate, philanthropic) targeting wealthy French families.
• Lombard Odier: Swiss-headquartered European private bank with strong French HNW franchise and integrated investment, estate and impact advisory. Comparable on private-banking service model and cross-border HNW coverage.
• UFF (Union Financière de France): BNP Paribas-owned French wealth advisory firm (conseil en gestion de patrimoine) targeting mass-affluent and HNW clients across France. Comparable as a scaled regulated advisory competitor in the same CIF/insurance category.
• Primonial (Group Primonial): One of the largest independent French wealth and asset management groups, serving HNW clients across advisory, life insurance wrappers and asset management. Comparable as a benchmark for what scaled-up independent French wealth advisory looks like.
• Lazard Frères Gestion (Wealth Management): French-rooted global advisory and private wealth manager serving HNW families in France and internationally. Comparable in cross-disciplinary HNW advisory with a strong French institutional pedigree.

Emerging players

• Nalo: French digital wealth advisory platform offering automated model portfolios (similar risk-profile tiers to Carat's Signature Allocation range). Comparable on risk-tiered model portfolio offerings but competes at lower fee point and digital UX.

Direct peers

• Cyrus Capital: French independent wealth management advisory firm offering multi-disciplinary CIF/insurance/real estate advisory to HNW families. Closely comparable in size, regulatory positioning and integrated advisory model to Carat Capital.
• Homa Capital: French independent wealth advisory firm specialized in serving French expatriate clients. Closely comparable in cross-border French-expat focus to Carat's recent Patrimolink partnership.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCyCrzVMku47ybVDHICbDHVw/featured
• LinkedInlinkedin.com/company/carat-capital
• Xx.com/CaratCapital
• Facebookfacebook.com/CaratCapital

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles13 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Carat Capital