Stratégie Patrimoine

What Stratégie Patrimoine does

Stratégie Patrimoine is an independent French wealth management advisory firm (cabinet de gestion de patrimoine) founded in 2007 and headquartered in Caen, Normandy. The firm operates across three physical offices in Caen, Vannes, and Rennes (Cesson-Sévigné), serving the Grand Ouest region of France and offering remote video conference consultations nationwide. It addresses roughly 550 families — primarily private individuals and business owners/liberal professionals — through personalized advisory services spanning investments, tax optimization, retirement planning, protection/insurance, succession planning, and corporate asset management.

The firm's core technology is the proprietary MoneyPitch digital platform, which provides clients with consolidated portfolio views, external account aggregation, an encrypted document vault, and financial simulators for tax, retirement, and investment planning. MoneyPitch is offered across three annual subscription tiers (Starter, Plus, Premium). The advisory layer is delivered by a team of 15 collaborators including wealth management advisors, patrimonical engineers, and in-house legal counsel (juristes), with eight specialized audit products (Audit 360 Patrimoine, Audit 360 Dirigeant, Audit Fiscalité, Audit Retraite, Audit Transmission, Audit Social, and others). The subsidiary Stratégie Patrimoine Conseil, created in 2023, provides specialized legal patrimonial advisory and personalized audits.

The business model combines two revenue streams: direct fees (honoraires) from clients for audits, analyses, and recommendations formalized through engagement letters ('lettre de mission'), and retrocessions (commissions) from a network of 40 financial product partners. The firm is regulated by the AMF (Autorité des Marchés Financiers) and is a member of the CNCGP; all advisors hold the AMF Sustainable Finance certification. In 2024, Stratégie Patrimoine completed a rapprochement with AMH Patrimoine, expanding its capabilities and footprint. The company is privately held (SAS form), founder/management-owned with capital of €87,320, and has no external investors or parent company.

Name

Stratégie Patrimoine

Legal name

Stratégie Patrimoine

Website

https://strategie-patrimoine.fr

Company type

Private

Founded year

2007

Operating status

Operating

Headcount range

11–50 employees

Short description

Stratégie Patrimoine is an independent French wealth management advisory firm founded in 2007, headquartered in Caen with offices in Vannes and Rennes. It serves approximately 550 families and business owners across the Grand Ouest region through personalized patrimony advisory, eight specialized audit services, and the proprietary MoneyPitch digital platform.

Ownership category

akta.pro rank

Product category

Wealth Management Advisory

SIC

Finance Services (6199)

akta.pro primary industry

Digital/Hybrid Robo-Wealth & Retirement Advisory (FSAEABAK)

akta.pro secondary industry

Robo-Advisors & Digital Wealth Managers (FSAAAAAD)

Keywords

• Wealth management advisory
• Patrimony management services
• Tax optimization advisory
• Retirement planning consulting
• Investment advisory services

Headquarters

HQ city

Caen

HQ country

France

HQ region

Europe

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Honoraires/Abonnements (Fees): Fees charged directly to clients for services such as patrimonial audits, situation analyses, and recommendations, formalized through a 'lettre de mission' (engagement letter)
2. Retrocessions (Commissions): Commissions paid by financial partners on certain financial products, ensuring sustainable follow-up of client contracts. Clearly explained and justified to clients

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

Stratégie Patrimoine is an independent wealth management advisory firm that delivers 360° patrimonial audits, personalized investment, tax, retirement, protection, and succession strategies to private individuals and business owners across Grand Ouest France. Services are issued under formal mission letters and supported by the proprietary MoneyPitch digital platform, which clients access via Starter, Plus, or Premium annual subscriptions.

Product overview

Stratégie Patrimoine operates as a unified wealth management advisory group offering both digital and human-delivered services. The core offering consists of personalized wealth management consulting delivered through three physical offices in Caen, Rennes, and Vannes (Grand Ouest, France), plus remote videoconference support. Key offerings include the MoneyPitch digital platform (web-based wealth management tool with account aggregation, document vault, and financial simulators across Starter/Plus/Premium tiers) and a comprehensive audit methodology covering strategic, corporate, tax, investment, and retirement planning domains. Stratégie Patrimoine Conseil (created 2023) provides specialized legal patrimonial advice and in-depth audit services. The group manages relationships with 40 financial partners and currently serves 550 families through a team of 15 collaborators.

Differentiator

Problem solved

Functional benefit

Brands

• Money Pitch: Plateforme patrimoniale digitale pour consultation de portefeuille, agrégation de comptes et simulateurs
• Stratégie Patrimoine Conseil

Products and services

• Audit 360 Patrimoine Comprehensive global wealth audit analyzing personal, family, civil, social, legal, fiscal, budgetary, and professional situations to identify strengths and improvement areas, offered to private individuals and business owners.
• Audit Construction du Patrimoine Strategic audit for building and constructing a wealth portfolio from the ground up, for clients starting their wealth planning journey.
• Audit 360 Dirigeant Comprehensive audit designed specifically for business leaders and executives covering intertwined professional and personal wealth considerations.
• Audit Fiscalité Tax optimization audit identifying reduction opportunities and strategies for minimizing the client's tax burden.
• Audit Retraite Retirement planning audit projecting future pension, identifying income needs, and recommending savings strategies for clients approaching retirement.
• Audit Transmission de l'entreprise Business succession audit preparing company transfer to successors or third parties with optimal tax structuring.
• Audit Social de l'entreprise Corporate social audit covering employee benefits, retirement schemes, and social security optimization for businesses.
• Conseil en Gestion de Patrimoine Privé Personal wealth management advisory covering savings investment, real estate projects, tax optimization, retirement preparation, family protection, and succession planning for private individuals.
• Conseil en Gestion de Patrimoine Professionnel Professional wealth management advisory for business owners and liberal professionals covering strategic decisions, corporate asset management, activity protection, and business succession.
• Conseil en Investissement Patrimonial Investment advisory services including financial products (insurance, PEA, private equity), real estate investments (SCPI, rental properties), and tax optimization strategies (Malraux, Girardin).
• MoneyPitch Platform Digital wealth management platform providing consolidated portfolio views, external account aggregation, secure document storage, and financial simulators for tax, retirement, and investment planning. Accessible via three annual subscription tiers (Starter, Plus, Premium).
• Stratégie Patrimoine Conseil Legal patrimonial advisory and personalized audit subsidiary entity established in 2023, offering specialized legal advice and in-depth audit services.

Quantifiable outcome

• Independent advisory since 2007 with 550 families accompanied
• +1 more outcomes

Named customers1 record

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Seven partnerships are on record, tiered minor and core.

• Caen Basket CalvadosminorOthersLocal sports sponsorship partnership supporting basketball team in Caen, aligning with company values of solidarity, responsibility, and team spirit. Part of broader community engagement initiative.
• Rugby Club VannesminorOthersPartnership supporting rugby club in Vannes, demonstrating commitment to local sports and community values of performance and teamwork.
• Stade Caennais Rugby ClubminorOthersSports partnership supporting rugby club in Caen region, reinforcing local presence and community engagement.
• Institut du Cerveau (ICM)minorOthersPartnership with brain research institute supporting health sector, reflecting company's commitment to social responsibility beyond financial services.
• CPME NationaleminorOthersPartnership with national SME confederation supporting small and medium business community, aligning with company's focus on serving business owners and entrepreneurs.
• SNSM (Société Nationale de Sauvetage en Mer)minorOthersSupport for maritime rescue organization demonstrating commitment to safety and public service values.
• Financial Product PartnerscoreOthersNetwork of 40 financial partners providing financial products (insurance, investment funds, real estate) through retrocession commissions. These partnerships are essential to the company's service delivery and revenue model.

Scale indicators8 records

Recent moves10 records

Expansion highlights6 records

Direct peers

• Placement Direct: French online broker specializing in life insurance and savings products with subscription-style digital offerings. Comparable as a digital-first wealth product distributor serving similar French retail and mass-affluent clients.
• Linxea: Leading French online broker for life insurance, PEA, and retirement savings products. Directly comparable as a digital-first wealth distribution and advisory competitor serving French retail and mass-affluent clients with subscription-style offerings.
• Groupe Cyrus: France's largest independent wealth management advisory group with national office coverage. Closely comparable as an independent CGPI operating a hybrid human advisory plus digital tooling model, but at materially larger scale than Stratégie Patrimoine.
• Nortia: French wealth advisory platform connecting private clients with independent CGPI advisors. Comparable as an alternative distribution channel for personalized wealth advisory in France, competing for the same private-individual segment.

Broad incumbents

• La Banque Postale: French retail and commercial bank with wealth management offerings including life insurance and advisory. Broad incumbent offering wealth services to mass-affluent and HNW French clients across a national branch network.
• Société Générale Private Banking: Private banking arm of Société Générale offering wealth advisory, investment, and estate services. Broad incumbent in the same French HNW wealth advisory space with significantly broader geographic and product reach.
• BNP Paribas Banque Privée: Private banking arm of France's largest bank, serving HNW clients with wealth advisory, investment, and estate services. Broad incumbent competing for the same French private wealth market from a much larger scale.
• SwissLife Banque Privée: Private banking arm of SwissLife in France offering wealth advisory, life insurance, and asset management. Broad incumbent competing in the French wealth advisory market with deep insurance-product integration.
• BoursoBank (Boursorama): France's leading online bank offering wealth management, brokerage, and investment products. Broad incumbent competing for the same French retail and mass-affluent wealth advisory market with a digital-first model.

Others

• Harvest: Major French fintech providing wealth management and advisory software to CGPIs. Comparable as an enabler of the same CGPI ecosystem and a potential technology alternative or complement to Stratégie Patrimoine's in-house MoneyPitch platform.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/strat%C3%A9gie-patrimoine/?viewAsMember=true
• Facebookfacebook.com/StrategiePatrimoine

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles14 records

Subsidiaries1 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 Stratégie Patrimoine