Cofipa

What Cofipa does

Cofipa (legally Cabinet COFIPA) is a privately-held French wealth management advisory firm (Conseiller en Gestion de Patrimoine) headquartered at 11 rue de Robien, Rennes, with a satellite office in Redon. Founded in 2001 and registered under RCS 423 297 852 Rennes with €40,000 share capital, the firm operates in open architecture — meaning it is not tied to any single financial institution — and distributes products from partners including SwissLife, Generali, and Suravenir. Cofipa is ORIAS-registered (n°07001274) as Courtier en assurance and Conseiller en Investissement Financier, AMF-approved, and a member of the CNCGP and the CGP Entrepreneurs network of independent cabinets.

The firm offers six core advisory service lines: Audit Patrimonial (preliminary wealth assessment), Placements Financiers (financial investments such as life insurance, PEA, FIP, FCPI, capitalization contracts), Assurance-Vie (life insurance), Investissements Immobiliers (real estate investments with tax-optimization schemes including Pinel, Malraux, Loueur en Meublé, Girardin, Monuments Historiques, and déficits fonciers), Transmission de Patrimoine (heritage and estate planning), and Services aux Professionnels (corporate treasury, employee savings, retirement, health, death benefits, and business transmission). A supplementary suite of formula-based online simulators (compound interest, loan, lease, break-even, mileage, transport contribution) is available on cabinetcofipa.fr as a top-of-funnel content tool.

Cofipa generates revenue through commissions paid by financial institutions on intermediated products and fees for specific advisory missions. The go-to-market is sales-led and relationship-driven: face-to-face and phone consultations at the Rennes and Redon offices, complemented by referral flow through the CGP Entrepreneurs network, a bi-monthly newsletter, and the corporate website. Cofipa has no proprietary technology platform; its competitive position rests on regulatory credentials, advisor relationships, and impartial open-architecture product selection. Leadership comprises Thomas Ferez (Gérant, diploma from ESC Bretagne-Brest) and Grégory BRETAL (Associé, diploma from IAE Nantes), with 1–10 total employees.

Name

Cofipa

Legal name

Cabinet COFIPA

Website

https://cabinetcofipa.fr

Company type

Private

Founded year

2001

Operating status

Operating

Headcount range

1–10 employees

Short description

Cabinet COFIPA is a Rennes-based, privately-held French wealth management advisory firm (CGP) serving individual private clients and business owners in Bretagne with open-architecture advisory across financial investments, life insurance, real estate, heritage transmission, and corporate treasury.

Ownership category

akta.pro rank

Headquarters

HQ city

Rennes

HQ country

France

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Others

Revenue model

1. Commission-based intermediation fees: COFIPA's primary revenue comes from commissions paid by financial institutions (banks, insurance companies) with whom they have established contracts for clients. This is a standard model for French wealth management advisors (Conseillers en Gestion de Patrimoine).
2. Advisory fees for specific missions: The firm also charges fees for specific advisory missions, providing customized wealth management consulting engagements beyond standard product intermediation.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

Cofipa is a French wealth management advisory firm (Cabinet de Conseil en Gestion de Patrimoine) that provides personalized consultation services across financial investments, life insurance, real estate investments, heritage transmission planning, tax optimization, and retirement planning. Operating with an open architecture model, the firm selects products from across the market and earns revenue through commissions from partner financial institutions plus advisory fees for specific consulting engagements.

Product overview

Cofipa is a wealth management advisory firm (Cabinet de Conseil en Gestion de Patrimoine) operating in open architecture, offering personalized financial and heritage advisory services. The portfolio comprises six core service offerings: Audit Patrimonial (preliminary wealth assessment), Placements Financiers (financial investments including PEA, FIP, FCPI, and capitalisation contracts), Assurance-Vie (life insurance), Investissements Immobiliers (real estate investments with tax optimization schemes), Transmission de Patrimoine (heritage planning), and Services aux Professionnels (corporate wealth management). The firm also provides a supplementary suite of financial simulators (calculators) for client use. Cofipa is not a software platform but a traditional advisory service that works with major financial partners including SwissLife, Generali, and Suravenir.

Differentiator

Problem solved

Functional benefit

Products and services

• Audit Patrimonial A preliminary wealth assessment service that analyzes the client's civil, family, professional, budgetary, fiscal, and provident situation to build a comprehensive wealth architecture strategy. Targeted at private individuals seeking to optimize their personal wealth.
• Placements Financiers Financial investment advisory covering life insurance, PEA (equity savings plan), FIP (regional investment fund), FCPI (innovation investment fund), and capitalisation contracts, operating in open architecture with major asset management companies. For private individuals seeking diversified investment solutions.
• Assurance-Vie Life insurance advisory representing over 40% of French financial assets, offering flexible savings solutions with favorable tax treatment for savings, supplementary income, retirement preparation, and family protection. Targeted at private individuals.
• Investissements Immobiliers Real estate investment advisory including rental property investments, leveraging credit effects for primary/residence and yield properties, with tax optimization through Pinel, Malraux, Loueur en Meublé, Girardin, Monuments Historiques, and déficits fonciers schemes. For private individuals seeking real estate wealth solutions.
• Transmission de Patrimoine Heritage transmission planning addressing family situations, multiple heirs, lifetime donations, and post-death transmission, including spousal donations, donation-partage, matrimonial advantages, change of matrimonial regime, civil companies, and wills. For private individuals planning intergenerational wealth transfer.
• Services aux Professionnels Professional services including treasury management optimization, capitalization, individual and collective provident insurance, retirement savings (art 83, art 39, Perp, Perco, PEI, Madelin law), health insurance, death benefits, business transmission, and activity interruption guarantees. Targeted at business owners and professionals.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Eight partnerships are on record, tiered minor and core.

• SwissLifeminorChannel Partner/ Reseller/ DistributorOne of several first-tier financial institutions with whom COFIPA works. SwissLife provides insurance and wealth management products distributed through COFIPA advisory services.
• GeneraliminorChannel Partner/ Reseller/ DistributorMajor insurance company partner providing products for distribution through COFIPA advisory services.
• SuravenirminorChannel Partner/ Reseller/ DistributorFinancial institution partner for insurance and savings products distributed through COFIPA.
• MMA IARDminorOthersInsurance company providing financial guarantee coverage for COFIPA's professional activities (carte professionnelle CTI). Address: 160 rue Henri Champion, 72030 LE MANS Cedex 09.
• CGP EntrepreneurscoreStrategic or Co-development PartnerNetwork/groupement of wealth management cabinets (Conseillers en Gestion de Patrimoine) providing shared resources, credibility, and professional network while maintaining independence in partner selection.
• AMF (Autorité des Marchés Financiers)coreOthersFrench financial markets regulator. COFIPA is agréé (approved) by AMF for financial investment advisory activities.
• CNCGP (Chambre Nationale des Conseils en Gestion de Patrimoine)coreOthersNational chamber for wealth management advisors. COFIPA is a member, providing professional representation and credibility.
• ORIAS (Organisme pour le Registre des Intermédiaires d'Assurances)coreOthersOfficial registry for insurance intermediaries in France. COFIPA registered under n° 07001274 as Courtier en assurance and Conseiller en Investissement Financier.

Scale indicators3 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Groupe Crystal: Independent French wealth management advisory network offering similar CGP services to individual and professional clients across France. Comparable to COFIPA as both operate under an independent open-architecture model, though Groupe Crystal is significantly larger and nationally distributed.
• Cyrus Conseil: French independent wealth management advisory firm serving private clients with a similar comprehensive offering across financial investments, real estate, and heritage transmission. Directly comparable to COFIPA as a mid-sized independent CGP targeting the same high-net-worth and professional client segments.
• Patrimoines et Privés: French wealth management advisory firm offering patrimonial advisory, financial investment, and estate planning services to private clients. Operates as an independent CGP comparable to COFIPA in business model and target market.

Emerging players

• Nalo: French online wealth management platform providing automated, algorithm-driven investment advisory for individual clients. Represents the digital-first model that competes with traditional CGPs like COFIPA for the mass-affluent and younger HNW segments.
• Yomoni: French robo-advisor offering automated wealth management and life insurance advisory through a digital platform. Targets individual savers with a low-fee, tech-enabled model that increasingly overlaps with the discretionary mandates of traditional CGPs like COFIPA.
• Ramify: French wealth management platform offering digital advisory on life insurance, PEA, and real estate investments for individual clients. Comparable to COFIPA in product scope but differentiated by its digital-first, subscription-based delivery model.

Broad incumbents

• Primonial: Major French wealth management group offering asset management, life insurance distribution, and real estate investment solutions through both B2B and advisor networks. A large-scale incumbent whose product shelf and partner network overlaps with what COFIPA offers to its clients.
• Boursorama Banque: France's leading online bank (Société Générale subsidiary) offering brokerage, life insurance, and wealth management products to mass-affluent and HNW clients. Represents a broad incumbent alternative to traditional CGPs for clients willing to self-serve on a digital platform.
• BNP Paribas Wealth Management: Wealth management division of one of France's largest banks, serving HNW and UHNW clients with comprehensive advisory, investment, and estate planning services. Competes with COFIPA for the same high-net-worth client segment, but with substantially greater resources and product breadth.

Others

• La Financière de l'Échiquier: French independent asset management company providing investment funds (Sicav, FCP) that COFIPA can select for client portfolios under its open-architecture model. Functions as an upstream product provider/partner in the COFIPA value chain rather than a direct competitor.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/cofipa-conseil-finance-patrimoine

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 Cofipa