OptiFi

What OptiFi does

OptiFi HFM is a privately-held French wealth management and patrimonial advisory firm founded in 2016 and headquartered at 31 Boulevard Victor Hugo in Nice. The firm delivers personalized "conseil en gestion de patrimoine" — comprehensive 360-degree wealth advisory covering tax optimization, estate and succession planning, real estate investment advice, and broader financial planning — to individual clients across five personas: young professionals (Jeune Actif), corporate employees (Cadre d'entreprise), business owners (Chef d'entreprise), retirees (Retraité), and expatriates (Expatriés). Service delivery is structured as a four-step engagement: audit, proposal, implementation, and ongoing monitoring, anchored by personalized patrimonial studies and estate planning analyses.

The underlying technology footprint is minimal and explicitly non-proprietary: OptiFi does not develop or sell technology products. The firm uses a Calendly integration for direct appointment booking, a bilingual French/English WordPress-style website on HostPapa for content marketing and SEO, and standard email/phone channels. The product surface comprises advisory services plus regulated investment wrappers (Assurance Vie, SCPI, Compte-Titres, FCPR, PEE/PERCO) and tax-incentive schemes (Loi Pinel, Loi Malraux, crowdfunding immobilier), plus a credit brokerage arm (Courtage en Crédit Immobilier, MIOBSP) for mortgage financing.

The revenue model is professional-services advisory fees on personalized wealth and estate studies, with pricing undisclosed publicly and presented to clients only after an initial non-billed consultation. There is no recurring AUM-based fee disclosure, no subscription product, and no enterprise sales motion; client acquisition runs through content marketing, organic search, direct Calendly booking, and referrals. The firm is founder-led by Gary Vigier (Président Optifi), with 1-10 employees, no external funding disclosed, no parent company, and no subsidiary structure.

Name

OptiFi

Legal name

OptiFi HFM

Website

https://optifi-hfm.com

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

1–10 employees

Short description

OptiFi HFM is a Nice-based French wealth management and patrimonial advisory firm serving individual clients — including young professionals, business owners, retirees, and expatriates — with personalized tax, estate, real estate, and investment advisory plus mortgage broking services.

Ownership category

akta.pro rank

Product category

Wealth Management Advisory

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro industry

PRIMARYFSAAACAB

Financial Planning–Led RIAs

Financial & Insurance/Asset & Wealth Management/Registered Investment Advisors (RIAs) & Independent Wealth Managers

SECONDARYFSAEAKAC

Estate Planning & Trust Structuring Advisory

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Fiduciary, Trust & Estate Advisory

SECONDARYFSAEAAAN

Private Client/High-Net-Worth Advisory

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Investment Advisory & Financial Planning

SECONDARYFSAAACAL

Specialized/Niche-Vertical RIAs (e.g., Medical, Tech, Executives, Athletes)

Financial & Insurance/Asset & Wealth Management/Registered Investment Advisors (RIAs) & Independent Wealth Managers

SECONDARYFSAEAKAE

Trust & Estate Tax Planning & Compliance

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Fiduciary, Trust & Estate Advisory

Keywords

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

Headquarters

HQ city

Nice

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Wealth Advisory and Estate Planning Fees: OptiFi generates revenue through professional advisory fees for personalized wealth management studies, estate planning analyses, and financial advisory services. The firm offers initial non-billed consultation appointments to assess client needs before proposing fee-based studies. Study fees are presented after the initial meeting when the scope is defined.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

OptiFi is a personalized wealth management and financial advisory firm (Conseil en Gestion de Patrimoine et Ingénierie Patrimoniale) based in Nice, France. It sells advisory services including 360° patrimonial studies, tax optimization, estate and succession planning, real estate investment advice, and credit brokerage for real estate financing. The firm operates through direct consultation engagements that produce customized investment proposals aligned to client objectives, risk profile, and constraints.

Product overview

OptiFi HFM is a wealth management and financial advisory firm based in Nice, France offering comprehensive patrimonial services. The core offering consists of wealth advisory, tax optimization, real estate advice, and estate planning services. The firm provides mortgage broking through its credit brokerage arm, and offers a range of investment products including SCPI (real estate funds), Assurance Vie (life insurance), Compte-Titres (securities accounts), and various tax-advantaged investment schemes (Loi Pinel, Loi Malraux, FCPR). The firm also supports corporate executives with dedicated services for business owners including PEE and PERCO employee savings plan advisory. All services are personalized through patrimonial studies and estate planning consultations.

Differentiator

Problem solved

Functional benefit

Products and services

• Wealth Advisory / Conseil en Gestion de Patrimoine Comprehensive wealth management and financial advisory service providing personalized patrimonial strategy, including fiscal optimization, investment selection, and overall financial planning for individuals and business owners.
• Tax Advice / Optimisation Fiscale Tax optimization services including defiscalisation strategies, inheritance planning, and tax-efficient investment structures for residents and expatriates.
• Real Estate Advice / Conseil Patrimonial Immobilier Real estate investment advisory covering property acquisition, rental investments, SCPI investments, and financing strategies for residential and commercial properties.
• Estate Planning / Succession Estate planning and inheritance organization services including succession simulations, tax optimization for asset transmission, and business succession planning.
• Credit Brokerage / Courtage en Crédit Immobilier Mortgage broking service operating under MIOBSP intermediary status, providing access to competitive lending rates, loan simulations, and end-to-end support for real estate financing.
• Patrimonial Study / Étude Patrimoniale Comprehensive 360° analysis of existing assets, fiscal situation, and financial goals to construct a personalized wealth strategy aligned with life objectives.
• Successoral Study / Étude Successorale Inheritance planning study evaluating succession costs, protecting family members, and recommending fiscal optimization strategies for asset transmission.
• Investment Proposal / Proposition d'Investissement Personalized investment proposal service constructing recommendations based on client objectives, risk profile, and constraints, with rigorous product selection.
• Corporate Executive Services Specialized advisory for business owners covering executive compensation optimization, corporate structure analysis, and business sale preparation.

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• HostPapaminorOthersHostPapa is the web hosting provider for OptiFi's website (optifi-hfm.com), providing website hosting services from their Frankfurt, Germany data center location.

Recent moves5 records

Expansion highlights4 records

Direct peers

• Fundshop: French online wealth advisory offering personalized investment proposals and life insurance (Assurance Vie) distribution for retail clients. Comparable as a French private-client wealth advisor recommending similar product sets (Assurance Vie, SCPI, securities accounts).
• MeilleurPlacement.com: French wealth advisory platform comparing and distributing Assurance Vie, SCPI, and tax-advantaged investments (Loi Pinel, FCPR) with personalized advisor support. Comparable in product mix and target clientele, particularly for tax-optimized investment mandates.
• Edgar (Conseil en gestion de patrimoine): French CGP network of independent wealth advisors serving individuals with personalized patrimonial studies, tax optimization, and investment selection. Directly comparable as a financial-planning-led advisory serving private clients across life stages.
• Nalo: French fintech offering personalized wealth management and life insurance advisory through a digital platform serving individual investors. Comparable as a France-based wealth advisory targeting individuals with personalized investment proposals, though more product-templated than OptiFi's full patrimonial study model.
• Meilleurtaux Placement: French wealth advisory distributing Assurance Vie, SCPI, and securities accounts with personalized investment proposals for individual clients. Comparable offering mix and target customer (private individuals seeking structured tax-advantaged investments).

Broad incumbents

• Boursorama Banque: Major French online bank offering Assurance Vie, securities accounts, and wealth management tools to a broad retail and affluent client base. Comparable product set (Assurance Vie, Compte-Titres) but delivers via self-service digital channels rather than personalized advisory.
• Société Générale Private Banking: French incumbent private bank offering wealth advisory, estate planning, and investment management to HNW/UHNW clients including cross-border and expatriate solutions. Overlaps with OptiFi's expatriate and estate planning focus but operates at institutional scale.
• BNP Paribas Banque Privée: Large French private bank providing full-service wealth advisory, tax optimization, estate planning, and investment solutions to HNW individuals. Comparable service scope but vastly larger scale and broader product platform than OptiFi's boutique model.
• Fortuneo Banque: French online bank offering Assurance Vie, securities accounts, and brokerage products to retail investors. Comparable in distribution of similar investment wrappers (Assurance Vie, Compte-Titres) but competes on price rather than advisory depth.

Emerging players

• Linxo (Crédit Agricole): French personal finance and wealth aggregation platform, now part of Crédit Agricole, offering portfolio tracking and advisory tools to retail clients. Comparable as a French tech-enabled wealth player targeting younger clients and competing for the same early-career advisory demand.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/MyOptiFi

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 OptiFi