KAYS Wealth Management

What KAYS Wealth Management does

KAYS Wealth Management is a Paris-based, privately held French wealth advisory firm structured as a SAS (Société par Actions Simplifiée) under legal name KAYS Wealth Management SAS, operating under the trade names KAYS WM and KAYS W.M. It functions as a "Cabinet de Gestion de Patrimoine 360°," delivering independent, fee-based advisory across financial investment, real estate, tax optimization, retirement, estate planning, and social protection for affluent individuals, families, and business owners in France. The firm is headquartered at 240 Rue de Rivoli, 75001 Paris, with a second administrative address at 3 Rue Tronchet, 75008 Paris, and claims 15+ years of management experience serving approximately 3,000 clients in the Île-de-France region and broader France.

The firm's core offering is human-expert-led advisory with no proprietary technology platform; advice is delivered by accredited Conseillers en Investissements Financiers (CIF) regulated by the AMF and ACPR, supplemented by registrations as Courtier en Assurances, IOBSP, and holder of a Carte T (real estate transaction card), with ORIAS registration 17004288. Distribution rests on an open-architecture network of more than 80 institutional partners spanning asset managers (Amundi, BlackRock, BNP Paribas AM, Carmignac), insurers (AXA, CNP, Generali, SwissLife), SCPI managers (Corum, Sofidy, Praemia REIM), and private equity firms (Apax, Eurazeo, Bpifrance, Edmond de Rothschild). The published product catalogue covers 13 vehicles including assurance-vie, PEA, compte-titres, PER, FCPI, FCPR, contrat de capitalisation, Article 150-0B TER, Girardin Industriel, Loi Pinel, SCPI, LMNP, and LMP.

The business model is professional-services advisory with fee-based CIF remuneration under AMF guidelines (fixed and non-modulable), likely augmented by commission income on insurance and banking product placements via its COA, IOBSP, and broker registrations. Go-to-market is sales-led direct advisory via a website form, free initial wealth audit, and 24-hour response guarantee, layered with content marketing (blog, podcasts, twice-monthly YouTube videos), earned media (BFM Business, BSmart TV, TV Finance, Le Revenu, Forbes), and organic social on LinkedIn, Facebook, and Twitter. Michaël Pachter, Directeur associé, is the public face of the firm. The firm has 11-50 employees and a small registered share capital of €21,450, consistent with a boutique advisory practice rather than a scaled asset manager.

Name

KAYS Wealth Management

Legal name

KAYS Wealth Management SAS

Website

https://kays-wm.com

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

11–50 employees

Short description

KAYS Wealth Management is a Paris-based, privately held French wealth advisory firm (CIF, regulated by the AMF and ACPR) that delivers independent, fee-based 360° wealth management to approximately 3,000 affluent individuals, families, and business owners across France.

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

Registered Investment Advisor (RIA) Wealth Management (FSAEABAA)

akta.pro secondary industries

Insurance-Integrated Wealth Managers (RIA + Insurance Solutions) (FSAAACAI), Financial Planning & Goals-Based Advice (Mass Affluent) (FSAAAAAF)

Keywords

• Wealth management advisory
• Tax optimization services
• Financial investment planning
• Real estate investment advisory
• Estate planning services

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales

Revenue model

1. Financial Advisory and Wealth Management Services: KAYS WM generates revenue through advisory fees charged for personalized wealth management consulting, financial investment advice, and property investment advisory services. As a Conseiller en Investissements Financiers (CIF) regulated by the AMF and ACPR, the firm provides fee-based advisory services without being affiliated to a bank or insurance company, allowing objective product recommendations across its partner network. The firm is also registered as a Courtier en Assurances (insurance broker) and Intermédiaire en Opérations de Banque et Services de Paiement (IOBSP), suggesting additional commission-based revenue from insurance and banking product referrals.

Pricing tiers

Go-to-market motion3 records

Distribution channels2 records

Marketing channels9 records

Core offering

KAYS Wealth Management is a Cabinet de Gestion de Patrimoine 360° providing personalized wealth management advisory services to individuals and business owners. Its core offering spans financial investment advisory (Assurance Vie, PEA, Compte-Titres, FCPI, FCPR, structured products), real estate investment (SCPI, Loi Pinel, LMNP, LMP, Girardin Industriel), tax optimization (Article 150-0B TER, PER), retirement planning, and estate transmission. Advisory is delivered by CIF-accredited wealth management advisors (Conseillers en Gestion de Patrimoine) who conduct a free initial wealth audit and recommend products from an independent partner network of 80+ institutions.

Product overview

KAYS Wealth Management is a full-service wealth management advisory firm (Cabinet de Gestion de Patrimoine 360°) offering a comprehensive portfolio of investment products and services. The firm provides advisory services across real estate investments (Loi Pinel, SCPI, LMNP, LMP), financial products (FCPI, FCPR, Assurance Vie, PEA, Compte-Titres, Contrat de Capitalisation), tax optimization solutions (Article 150-0B TER, Girardin Industriel), and retirement planning (PER). The offering is structured as an advisory platform that matches client profiles with appropriate investment vehicles across multiple asset classes, with no proprietary products, ensuring objective recommendations.

Differentiator

Problem solved

Functional benefit

Products and services

• Personalized Wealth Management Advisory (Gestion de Patrimoine 360°)
• Assurance Vie
• PEA (Plan Épargne Actions)
• Compte-Titres
• PER (Plan Épargne Retraite)
• FCPI (Fonds Commun de Placement dans l'Innovation)
• FCPR (Fonds Commun de Placement à Risque)
• SCPI (Société Civile de Placement Immobilier)
• Loi Pinel
• LMNP (Location Meublée Non Professionnelle)
• LMP (Location Meublée Professionnelle)
• Girardin Industriel
• Article 150-0B TER (Apport-Cession)
• Contrat de Capitalisation

Quantifiable outcome

• 3,000 clients accompanied with 15+ years of experience
• +1 more outcomes

Named customers5 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

16 partnerships are on record, tiered core.

• Amundi Asset ManagementcoreTechnology or IntegrationAmundi is one of Europe's largest asset managers. KAYS WM leverages Amundi's fund range as part of its diversified product offerings for client portfolios.
• BlackRock (Luxembourg)coreTechnology or IntegrationBlackRock, the world's largest asset manager, is included in KAYS WM's partner network, providing access to iShares and other BlackRock investment solutions.
• BNP Paribas Asset Management FrancecoreTechnology or IntegrationBNP Paribas AM is a key partner providing a broad suite of asset management products, including thematic and sustainable investment funds.
• AXA Investment ManagerscoreTechnology or IntegrationAXA IM is part of the KAYS WM partner network, offering insurance and investment management products.
• Carmignac GestioncoreTechnology or IntegrationIndependent French asset manager Carmignac is listed as a partner, offering alternative and traditional investment funds.
• CNP Patrimoine / CNP Patrimoine LuxembourgcoreTechnology or IntegrationCNP Assurances' wealth management arm provides insurance-based savings and retirement products accessible through KAYS WM's advisory.
• Generali Real Estate / Generali Luxembourg / Generali ViecoreTechnology or IntegrationGenerali group entities provide insurance, real estate investment, and wealth management products as part of KAYS WM's partner ecosystem.
• SwissLifecoreTechnology or IntegrationSwissLife is a major life insurance and wealth management group providing retirement and savings products through the KAYS WM advisory network.
• Corum AMcoreTechnology or IntegrationCorum Asset Management is a pioneering SCPI manager known for its international property investments and digital subscription platform. Core SCPI partner.
• SofidycoreTechnology or IntegrationSofidy is one of France's leading SCPI managers with a long track record, providing institutional-quality real estate investment products through KAYS WM.
• Praemia REIMcoreTechnology or IntegrationPraemia REIM (formerly Primonial REIM) is a major European real estate investment manager offering SCPI and other real estate investment vehicles.
• La Française Real Estate ManagerscoreTechnology or IntegrationLa Française group provides SCPI and multi-management real estate solutions as part of KAYS WM's partner offerings.
• PrimonialcoreTechnology or IntegrationPrimonial is a major independent wealth management group in France offering a comprehensive range of financial products including SCPI, insurance, and asset management, distributed through KAYS WM.
• ANACOFIcoreStrategic or Co-development PartnerANACOFI is the French National Association of Financial Advisors, an AMF-licensed association of which KAYS WM is a member. The association provides professional standards, training, and regulatory support.
• ORIAScoreStrategic or Co-development PartnerORIAS (Registre des Intermédiaires en Assurances, Banques et Finances) is the official French registry for financial intermediaries. KAYS WM is registered under number 17004288 as a Courtier en assurance, IOBSP, and CIF.
• MMA IARD (via ADD VALUE)coreTechnology or IntegrationMMA IARD insurance company, administered through ADD VALUE, provides the financial guarantee (garantie financière) required for KAYS WM's regulatory status as a financial intermediary.

Scale indicators4 records

Recent moves6 records

Expansion highlights4 records

Emerging players

• Linxea: Linxea is a French online brokerage and wealth-management distributor specializing in assurance vie, PEA and retirement wrappers. It competes with KAYS by enabling self-directed French investors to assemble their own wealth portfolios from a multi-insurer product shelf at lower cost.
• Nalo: Nalo is a Paris-based digital wealth manager (robo-advisor) that builds and manages tailored portfolios for French retail and affluent investors. It competes with KAYS for the same affluent French segment with a technology-first delivery model that pressures human-advisory fees.

Broad incumbents

• Boursorama Banque: Boursorama is France's largest online bank, offering securities accounts, assurance vie and wealth advisory through digital channels. It is comparable to KAYS as a French wealth-distribution channel for affluent investors, but at much larger scale and with a fully self-service model.
• Indosuez Wealth Management: Indosuez is the wealth management arm of Crédit Agricole, serving HNW/UHNW clients in France and internationally. It is comparable to KAYS as a French wealth advisory provider, but as a broad incumbent with a banking parent and global footprint, it competes for the upper end of KAYS's client base.
• Société Générale Private Banking: Société Générale Private Banking is the HNW/UHNW arm of Société Générale, offering discretionary wealth management, advisory and credit solutions in France. It competes with KAYS for high-end French advisory mandates, but with a fully integrated banking, custody and discretionary portfolio offering.
• Edmond de Rothschild: Edmond de Rothschild is a Swiss-headquartered private banking and asset management group with a sizeable French wealth management franchise. It overlaps with KAYS in serving French-speaking affluent and HNW families with private banking-style advice, but at a much larger scale and with proprietary product capabilities (and is also a KAYS private equity partner).
• Lazard Frères Gestion: Lazard operates a French private asset management and wealth advisory business serving affluent and HNW French clients. It competes with KAYS for advisory mandates at the higher end of the affluent segment, but offers a broader global platform and discretionary portfolio management.

Direct peers

• Cyrus Conseil: Cyrus Conseil is one of the largest French independent wealth management advisory firms (cabinet de gestion de patrimoine), offering 360° advisory to HNW/UHNW clients. It is highly comparable to KAYS because both are independent multi-product advisory firms serving affluent French clients with bank-and-insurer-independent advice and CIF-equivalent credentials.
• Fidroit: Fidroit (formerly Althéis Patrimoine) is a French wealth advisory firm focused on private-client tax optimization, real estate and financial planning. It is directly comparable to KAYS in serving affluent French clients across Article 150-0B TER, SCPI, assurance vie and similar tax-advantaged structures.
• Vega Finance: Vega Finance is an independent French wealth management firm providing financial, real estate and tax-advised advisory to private clients. It is closely comparable to KAYS because it targets the same affluent French segment with a holistic 360° approach and a similar multi-partner, non-captive product shelf.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xtwitter.com/kays_wm
• YouTubeyoutube.com/channel/UCyuFJZjN831C5b-7hEuAPwg
• Facebookfacebook.com/kayswm
• LinkedInfr.linkedin.com/company/kays-wealth-management

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 KAYS Wealth Management