CF Gestion Privée
CF Gestion Privée is a French wealth management advisory firm (cabinet de conseil en gestion de patrimoine) founded in 1993, serving 4,000+ HNW individuals, business owners, and retirees across Nouvelle-Aquitaine, Occitanie, and Île-de-France with holistic legal, fiscal, and financial advisory.
- Company typePrivate
- Founded1993
- HeadquartersBordeaux, France
- Headcount11–50
- GTM typeB2C
- OfferingServices
What CF Gestion Privée does
CF Gestion Privée (legal name: Conseil Finance Gestion de Patrimoine SAS, trade name CFGP) is a French privately-held wealth management advisory firm (cabinet de conseil en gestion de patrimoine) headquartered in Bordeaux with additional offices in Toulouse/Ramonville and Paris, operating since 1993. The firm serves more than 4,000 high-net-worth individuals, pre-retirees, real estate investors, and business owners (dirigeants) across three French regions — Nouvelle-Aquitaine, Occitanie, and Île-de-France — delivering holistic 360° patrimonial advisory spanning legal, fiscal, and financial domains. Its core offering, 'Conseil en Gestion de Patrimoine,' is delivered through a team of 20+ specialized advisors and an Ingénierie Patrimoniale department, supported by a modular product portfolio that includes real estate investment (SCPI, SCI, nue-propriété, rental property), financial investments (assurance vie, AFER contracts, PEA, compte titres, contrat de capitalisation), retirement planning (PER, bilan retraite), tax optimization (IFI, défiscalisation), and family office services.
The firm is registered as a multi-licensed intermediary under ORIAS n°07000921 (insurance broker, non-exclusive banking agent, and CIF), a member of the CNCGP (an AMF-approved association), and is supervised by ACPR. Its go-to-market is sales-led and relationship-driven, structured around a four-step methodology (free discovery meeting, personalized study, bespoke recommendation, continuous accompaniment) executed through in-person advisory at physical offices and supported by a digital intake funnel (free online 'bilan patrimonial' simulation and callback forms), LinkedIn presence, content marketing, and webinars.
Revenue is generated through three primary streams: (1) insurance brokerage commissions from placement of life insurance and protection products as a Category B non-exclusive broker with major French insurers (Allianz, Generali, Swiss Life, Axa Théma, Abeille Assurances) and AFER as correspondent; (2) financial investment advisory fees as a non-independent CIF, remunerated through honoraria or commissions on financial instruments; and (3) hourly consulting fees at €150 HT per hour under a formal mission letter. Administrative middle-office work is subcontracted to a GDPR-compliant partner in Madagascar (Fiduciaire de Madagascar). The firm is part of the broader Groupe CF (Compagnie Fiduciaire) ecosystem, is structured as an SAS with €500,000 capital stock, and is independently operated with no disclosed external investment or private equity ownership.
CF Gestion Privée firmographics
Firmographics- Name
- CF Gestion Privée
- Legal name
- CONSEIL FINANCE GESTION DE PATRIMOINE SAS
- Website
- https://cfgp.fr
- Company type
- Private
- Founded year
- 1993
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- CF Gestion Privée is a French wealth management advisory firm (cabinet de conseil en gestion de patrimoine) founded in 1993, serving 4,000+ HNW individuals, business owners, and retirees across Nouvelle-Aquitaine, Occitanie, and Île-de-France with holistic legal, fiscal, and financial advisory.
- Ownership category
- akta.pro rank
CF Gestion Privée industry classification
Industry- Product category
- Wealth Management Advisory
- NAICS
- Portfolio Management and Investment Advice (523940), Finance and Insurance (52)
- SIC
- Investment Advice (6282), Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Comprehensive/Full-Service RIAs & Independent Wealth Managers (FSAAACAA)
- akta.pro secondary industries
- Financial Planning–Led RIAs (FSAAACAB), Insurance-Integrated Wealth Managers (RIA + Insurance Solutions) (FSAAACAI)
Keywords
Where CF Gestion Privée is headquartered
LocationHeadquarters
- HQ city
- Bordeaux
- HQ country
- France
- HQ region
- Europe
Offices3 records
Markets served
CF Gestion Privée business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Insurance Brokerage Commissions: Commissions received from insurance companies for placing insurance products. Category B broker not exclusively bound to any insurer, offering personalized recommendations based on client needs.
- Financial Investment Advisory Fees: Non-independent CIF advisory services with remuneration through honoraries or commissions on financial instruments. Independent CIF services for sufficiently diversified instruments.
- Hourly Consulting Fees: Hourly rate of 150€ HT for consulting services, defined in mission letter with client acceptance.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Multi-year contract | Non-independent CIF Advisory |
| Transaction based/ take rate | Multi-year contract | Insurance Brokerage |
| Unit Pricing | Pay-as-you-go | Consulting Services |
Go-to-market motion2 records
Distribution channels2 records
Marketing channels5 records
CF Gestion Privée product offering
Product offeringCore offering
CF Gestion Privée provides holistic wealth management advisory services to private individuals and business owners, combining legal, tax, and financial expertise to support wealth construction, protection, growth, and transmission. Offerings include Conseil en Gestion de Patrimoine (generalist advisory), Conseil en Stratégie Patrimoniale, Family Office, real estate investment advisory (Immobilier Locatif, SCPI, SCI, Nue-propriété), financial investment advisory through wrappers such as Assurance Vie, AFER, PEA, Compte Titres and Contrat de Capitalisation, retirement planning via PER and Bilan Retraite, and tax optimization covering IFI, IR, and défiscalisation. The firm also acts as a category B insurance broker and CIF, earning commissions and advisory fees for placing coverage and advising on financial instruments.
Product overview
CF Gestion Privée operates as a generalist wealth management advisory firm offering comprehensive patrimonial services through multiple interconnected modules. The core offering centers on holistic wealth management advice combining legal, fiscal, and financial expertise. The product portfolio includes real estate investment products (Immobilier Locatif, SCI, SCPI, Nue-propriété, Conseil en Investissement Immobilier), financial investment products (Assurance Vie, AFER insurance sub-brand, PEA, Compte Titres, Contrat de Capitalisation, Gestion Financière, Finance Durable), retirement planning solutions (PER, Bilan Retraite), tax optimization services (IFI, Défiscalisation), and specialized Family Office services. The AFER insurance products represent a significant sub-brand offering. The firm's services are structured around the central 'Conseil en Gestion de Patrimoine' and 'Conseil en Stratégie Patrimoniale' offerings, supported by an Ingénierie Patrimoniale department providing specialized expertise.
Differentiator
Problem solved
Functional benefit
Products and services
- Conseil en Gestion de Patrimoine (Wealth Management Advisory) Core generalist wealth management advisory service providing holistic patrimonial strategies encompassing legal, fiscal, and financial expertise. Covers wealth construction, protection, valorization, and transmission planning for individuals and business owners, supported by an Ingénierie Patrimoniale department.
- Family Office Comprehensive Family Office services for high-net-worth families including wealth management, estate planning, philanthropy initiatives, and legal/fiscal organization of family assets.
- Conseil en Stratégie Patrimoniale Patrimonial strategy advisory delivered by the Ingénierie Patrimoniale department, specializing in family law, taxation, and social security matters. Supports complex cross-functional decisions that sit alongside the core wealth management offering.
- Bilan Patrimonial (Patrimonial Assessment) Patrimonial assessment service that establishes the client's financial situation and overall wealth position. Includes a website-hosted simulator enabling prospective clients to obtain a free bilan patrimonial estimate in under one minute.
- Conseil en Investissement Immobilier Real estate investment advisory helping clients select optimal property investments aligned with their overall wealth strategy, including rental property (Immobilier Locatif), SCPI, SCI, and bare-ownership (Nue-propriété) structures.
- Gestion Financière Financial management advisory delivering CIF services for optimal deployment of available capital across financial instruments, including open-market access to multiple asset managers (Financière de l'Echiquier, 123 Investment Managers, Smalt Capital, Sigma Gestion, etc.).
- Finance Durable (Sustainable Finance) Sustainable and responsible finance advisory service integrating ESG criteria into wealth management strategies and financial instrument selection.
- Conseil PER (Plan Épargne Retraite) Personal retirement savings plan (PER) advisory offering tax-deductible contributions and flexible retirement income options, integrated within the firm's retirement planning service line.
- Bilan Retraite (Retirement Assessment) Retirement assessment service projecting the client's financial situation at retirement age, including pension rights calculation and optimization of retirement strategy (régimes de retraite, retraite anticipée, rachat de trimestres, cumul emploi retraite, calcul de la retraite).
- Conseil en Optimisation Fiscale (Tax Optimization Advisory) Tax optimization advisory covering IFI (real estate wealth tax), IR (income tax), and défiscalisation strategies including real estate tax optimization, déficit foncier, and other fiscal incentive programs.
- Courtage d'Assurance (Insurance Brokerage) Non-exclusive insurance brokerage services through which CF Gestion Privée places property/casualty, life, and health insurance products with multiple insurer partners, including AFER life insurance and PER contracts, offering personalized recommendations independent of any single insurer.
- Patrimoine du Dirigeant d'Entreprise (Business Owner Wealth Advisory) Integrated professional and personal wealth management service line for business owners and dirigeants, covering remuneration strategy, social protection, prévoyance/mutuelle santé, excess cash management, employee retention, and business transfer (céder son entreprise).
Quantifiable outcome
- 97% of clients recommend the firm
- +2 more outcomes
Companies that use CF Gestion Privée
Customer profileNamed customers4 records
Segments4 records
Ideal customer profiles4 records
CF Gestion Privée technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature1 record
CF Gestion Privée partnerships and signals
Strategic signalPartnerships
14 partnerships are on record, tiered core and minor.
- AFERcorePremier insurance partner providing life insurance and retirement products. CFGP serves as AFER correspondent offering Afer life insurance contracts, Afer Retraite Individuelle PER products, and full range of Afer contract support options.
- Eiffel Investment GroupminorProduct promoter mentioned in legal mentions as establishment with which CFGP maintains significant commercial relationship for financial products.
- 123 Investment ManagersminorProduct promoter with significant commercial relationship for investment management products.
- CalaominorProduct promoter with significant commercial relationship for financial products distribution.
- Financière de l'EchiquierminorAsset management company as product promoter with significant commercial relationship.
- Sigma GestionminorAsset management firm as product promoter with significant commercial relationship.
- Smalt CapitalminorAsset management company as product promoter with significant commercial relationship.
- Abeille AssurancescoreInsurance partner from which CFGP places insurance products as category B broker, offering personalized recommendations.
- AllianzcoreMajor insurance partner for property and casualty, life insurance products through non-exclusive brokerage.
- Axa ThémacoreInsurance partner for specialized insurance solutions through non-exclusive brokerage arrangement.
- GeneralicoreMajor insurance partner for comprehensive insurance solutions through category B broker arrangement.
- Swiss LifecoreLife insurance and wealth management insurance partner for high-net-worth client solutions.
- LOUNNA SASminorCo-brokerage partnership for commercialization and management of collective provident and health insurance contracts (RCS Paris 831322367, Orias 18000400).
- Fiduciaire de MadagascarminorAdministrative data processing subcontractor located in Madagascar for weekly or bi-monthly Middle Office support under GDPR-compliant partnership agreement with restricted access and traceability.
Scale indicators5 records
Recent moves6 records
Expansion highlights6 records
CF Gestion Privée competitors and assessment
Company assessmentEmerging players
- Ramify: French digital wealth management startup providing online advisory on assurance vie, PEA, and private equity for affluent clients. Emerging digital-native competitor targeting the same client base CFGP serves in the mass-affluent segment.
- Nalo: French robo-advisor and digital wealth management platform offering automated investment advisory, life insurance wrappers, and PEA/compte-titres portfolios at low fees. Competes with CFGP for tech-savvy mass-affluent and entry-HNWI clients.
Direct peers
- Magnacarta Patrimoine: France-based independent wealth management advisory firm providing personalized patrimonial strategy, tax optimization, and investment advisory to private clients. Comparable mid-sized independent CGP with similar service catalogue.
- WFinance: Independent French wealth management advisor (formerly North Capital) serving private clients across France with investment advisory, life insurance, and real estate strategy offerings — directly comparable to CFGP's multi-product CGP model.
- Cholet Dupont: Historic French independent wealth management firm offering personalized asset allocation, advisory mandates, and family-office services to private clients. Comparable in focus on bespoke advisory for affluent and HNWI clients with open product architecture.
- Cyrus Conseil: French independent wealth management advisory firm (CGP) serving HNWIs and business owners with holistic patrimonial strategy, multi-region presence, and similar open-architecture distribution model. Closest direct comparable in size and service mix to CFGP.
Broad incumbents
- BNP Paribas Wealth Management: Large private banking arm of BNP Paribas serving HNWIs in France and internationally with full advisory, investment, lending, and family-office capabilities. Sets the competitive benchmark CFGP must differentiate against.
- UFF (Union Financière de France): BNP Paribas subsidiary offering wealth advisory, financial planning, and life insurance products to French private clients. Larger incumbent with broader scale; overlaps with CFGP's CIF/insurance brokerage and financial planning services.
- Lazard Frères Gestion - Private Wealth: French arm of the Lazard private wealth franchise offering discretionary management, advisory, and family-office services to HNWIs and UHNWIs. Larger and broader portfolio but overlaps with CFGP's HNWI advisory and family-office offerings.
Others
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
CF Gestion Privée social profiles
Digital presenceCF Gestion Privée compliance and trust
Trust signalCompliance4 records
CF Gestion Privée financial estimates
Financial estimateRevenue estimate
Valuation estimate
CF Gestion Privée leadership team
Management profileNumber of profiles
Profiles7 records
CF Gestion Privée funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
CF Gestion Privée M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about CF Gestion Privée
What does CF Gestion Privée do?
CF Gestion Privée provides holistic wealth management advisory services to private individuals and business owners, combining legal, tax, and financial expertise to support wealth construction, protection, growth, and transmission. Offerings include Conseil en Gestion de Patrimoine (generalist advisory), Conseil en Stratégie Patrimoniale, Family Office, real estate investment advisory (Immobilier Locatif, SCPI, SCI, Nue-propriété), financial investment advisory through wrappers such as Assurance Vie, AFER, PEA, Compte Titres and Contrat de Capitalisation, retirement planning via PER and Bilan Retraite, and tax optimization covering IFI, IR, and défiscalisation. The firm also acts as a category B insurance broker and CIF, earning commissions and advisory fees for placing coverage and advising on financial instruments.
Is CF Gestion Privée a public or private company?
CF Gestion Privée is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was CF Gestion Privée founded?
CF Gestion Privée was founded in 1993. It employs 11 to 50 people.
Where is CF Gestion Privée based?
CF Gestion Privée is headquartered in Bordeaux, France, in the Europe region.
How does CF Gestion Privée make money?
Three revenue lines are on record. Insurance Brokerage Commissions are the primary driver. The others are financial Investment Advisory Fees and hourly Consulting Fees.
Who are CF Gestion Privée's main competitors?
Emerging players on record are Ramify and Nalo. Direct peers are Magnacarta Patrimoine, WFinance, Cholet Dupont and Cyrus Conseil. Broad incumbents are BNP Paribas Wealth Management, UFF (Union Financière de France) and Lazard Frères Gestion - Private Wealth. Société Générale Private Banking is listed as an others.
Does CF Gestion Privée have an API?
No public API is recorded for CF Gestion Privée.
What industry is CF Gestion Privée in?
CF Gestion Privée's product category is Wealth Management Advisory. Its primary akta.pro industry code is FSAAACAA, Comprehensive/Full-Service RIAs & Independent Wealth Managers, with a secondary code of FSAAACAB, Financial Planning–Led RIAs. Its NAICS code is 523940 and its SIC code is 6282.