CO Conseils
CO Conseils is an independent French wealth management advisory firm (CGP) serving individuals, professionals, and SMEs from Bordeaux and La Réunion with tax optimization, retirement planning, and open-architecture investment distribution across 50+ product partners.
- Company typePrivate
- Founded2010
- HeadquartersMérignac, France
- Headcount1–10
- GTM typeB2B and B2C
- OfferingServices
What CO Conseils does
CO Conseils is a French independent wealth management advisory firm (Conseiller en Gestion de Patrimoine) founded in 2010 and headquartered in Mérignac, near Bordeaux, with regular field presence on La Réunion island. The firm serves individuals, self-employed professionals, and business owners across metropolitan France via direct advisory meetings, field visits, and video conferencing, providing services across wealth structuring, tax optimization, retirement planning, and wealth transmission. Its core offerings include a comprehensive bilan patrimonial (360° wealth assessment), tax declaration assistance, and distribution of regulated financial and real estate products: life insurance (assurance vie), PER retirement plans, SCPI (including bare ownership variants), Girardin overseas tax-reduction schemes, Pinel, LMNP, forestry investments, private equity, structured products, tontines, and contrats de capitalisation for corporate treasury. The firm operates under an open architecture model accessing 50+ partners (Abeille Assurances, UAF Life, Intencial, APICIL, Iroko, Inter Gestion, Sogenial, Atland Voisin, France Valley, My Money Bank, STAR INVEST, Equitim, Silex, Epsicap), and holds the full French regulatory stack: CIF (AMF), IAS, IOBSP, Carte T, ORIAS #11063981, and CNCGP membership.
The firm earns revenue through a hybrid model: hourly advisory fees (€150 ex-VAT), tiered real estate transaction fees (3-8% declining by property value bracket), commissions/retrocessions on financial product distribution (insurance, asset management), Girardin investment fees (1% with €150 minimum), and tax declaration assistance fees (€250-€425). Acquisition is overwhelmingly referral-driven, with 90% of new clients attributed to existing client recommendations; the firm supplements this with content marketing, a self-service online booking platform, and personal advisor follow-up. The company is privately held as a SARL with €6,000 capital, managed by co-gérants Clément and Léa OUDARD, with no external investors, no public revenue disclosure, and no proprietary technology beyond a standard appointment booking and client portal.
CO Conseils firmographics
Firmographics- Name
- CO Conseils
- Legal name
- CO Conseils
- Website
- https://coconseils.fr
- Company type
- Private
- Founded year
- 2010
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- CO Conseils is an independent French wealth management advisory firm (CGP) serving individuals, professionals, and SMEs from Bordeaux and La Réunion with tax optimization, retirement planning, and open-architecture investment distribution across 50+ product partners.
- Ownership category
- akta.pro rank
CO Conseils industry classification
Industry- Product category
- Wealth Management Advisory
- NAICS
- Insurance Agencies and Brokerages (524210), Accounting, Tax Preparation, Bookkeeping, and Payroll Services (54121)
- SIC
- Insurance Agents, Brokers & Service (6411), Real Estate Agents & Managers (For Others) (6531)
- akta.pro primary industry
- Family Wealth & Multi-Generational Planning RIAs (HNW/UHNW-lite) (FSAAACAH)
Keywords
Where CO Conseils is headquartered
LocationHeadquarters
- HQ city
- Mérignac
- HQ country
- France
- HQ region
- Europe
Offices3 records
Markets served
CO Conseils business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Operations, Technology or R&D, Others
Revenue model
- Advisory Fees: Hourly-based advisory fees at 150€ HT (180€ TTC) as stated in mentions légales.
- Real Estate Transaction Fees: Commission on property transactions ranging from 3% to 8% depending on property value bracket. Also charges 2-5% for property search/hunting services.
- Commissions on Financial Products: Retrocessions from insurance providers, asset management companies, and product distributors. The firm operates under non-independent investment advisory model with both fees and commissions on financial instruments.
- Girardin Investment Fees: 1% of investment amount (minimum 150€ per subscription) for Girardin tax reduction investments, plus partner commissions.
- Tax Declaration Assistance: Tax assistance services: 250€ (simple) and 425€ (complex) declarations with 50% tax credit applicable.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Real estate transaction fees on property value |
| Transaction based/ take rate | Pay-as-you-go | Property search/hunting fees on property value |
| Transaction based/ take rate | Pay-as-you-go | Simple tax declaration assistance |
| Transaction based/ take rate | Pay-as-you-go | Complex tax declaration assistance |
| Transaction based/ take rate | Pay-as-you-go | Simple tax declaration rectification |
| Transaction based/ take rate | Pay-as-you-go | Complex tax declaration rectification |
| Other | Pay-as-you-go | General advisory hourly rate |
| Transaction based/ take rate | Pay-as-you-go | Girardin investment accompaniment fee |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels4 records
CO Conseils product offering
Product offeringCore offering
CO Conseils is an independent French wealth management advisory firm (Conseiller en Gestion de Patrimoine) that produces bilan patrimonial assessments and distributes tax-optimized financial and real-estate products — assurance-vie, PER, SCPI, tontine, and incentive schemes such as Loi Pinel, Loi Girardin, and LMNP — to individuals, self-employed professionals, and SMEs. For corporate clients it advises on épargne salariale (employee savings), corporate treasury optimization, and key-person insurance, leveraging an open-architecture model with 50+ product partners.
Product overview
CO Conseils is an independent wealth management firm (CGP - Conseiller en Gestion de Patrimoine) operating from Bordeaux-Mérignac with services spanning comprehensive financial heritage assessment, tax optimization, and investment management. The core offering includes Bilan Patrimonial for personalized wealth analysis, Assistance Fiscale for declaration and optimization, and diverse financial products including Assurance Vie, SCPI (with bare ownership options), PER retirement savings, Tontine, Private Equity, Produits Structurés, Contrats de Capitalisation for businesses, and Investissement Forestier. Tax optimization products include Loi Pinel, Loi Girardin (overseas investments with 10-20% yields), and LMNP status. Real estate services cover new property investment across Bordeaux and overseas territories, Club Deal Immobilier co-investments, and professional transaction/chasse services. The firm operates under open architecture, accessing the entire French and European market through 50+ partners.
Differentiator
Problem solved
Functional benefit
Products and services
- Bilan Patrimonial (Wealth Assessment) Comprehensive review of an individual or professional client's assets, liabilities, income, and tax situation to produce a structured wealth diagnostic and recommendations. Targeted at Particuliers and Professionnels seeking a consolidated view of their financial situation.
- Conseil en Investissement (Investment Advisory) Personalized investment recommendations drawing on the firm's open-architecture access to 50+ product partners. Targeted at individuals and professionals allocating across assurance-vie, PER, SCPI, and other vehicles.
- Optimisation Fiscale (Tax Optimization) Tax planning service recommending strategies and vehicles to reduce income and wealth tax exposure within French law. Targeted at Particuliers, Professionnels, and Entreprises with significant taxable income or complex situations.
- Assurance-Vie Distribution Distribution and advisory around French life insurance contracts as long-term savings and transmission vehicles. Targeted at individual investors and professionals seeking tax-efficient accumulation and estate planning.
- PER (Plan d'Épargne Retraite) Distribution Advisory and distribution of individual retirement savings plans (PER) for tax-deductible contributions and pension accumulation. Targeted at Particuliers and self-employed Professionnels preparing retirement.
- SCPI (Pierre-Papier Real Estate) Distribution Distribution and advisory on paper-stone real estate collective investment vehicles for diversified property exposure without direct ownership. Targeted at individual and professional investors seeking real estate allocation with managed liquidity.
- Loi Pinel Investment Advisory Advisory on rental property investments under the Pinel regime to obtain income-tax reductions in exchange for commitment durations and rent caps. Targeted at individual taxpayers seeking tax-incentivized real estate.
- Loi Girardin and Défiscalisation Outre-mer Advisory Tax-incentivized investment advisory covering Girardin-law schemes and broader Overseas-France défiscalisation, leveraging the firm's La Réunion presence. Targeted at individual and corporate investors seeking reduced tax exposure via Outre-mer vehicles.
- LMNP (Loueur en Meublé Non Professionnel) Advisory Advisory on furnished rental status to optimize amortization, VAT treatment, and income categorization for individual landlords. Targeted at self-employed professionals and individual investors building rental property portfolios.
- Tontine Advisory Advisory on tontine savings wrappers as long-horizon accumulation and inheritance vehicles. Targeted at individuals seeking intergenerational wealth transfer solutions.
- Crédit (Financing) Advisory Advisory and brokerage for personal and investment-property credit, including mortgage structuring. Targeted at individuals and professionals financing real estate or other investment acquisitions.
- Assurance (Personal and Professional Protection) Advisory and distribution of insurance products covering personal risks (home, health, savings) and professional risks (key-person, business protection). Targeted at Particuliers, Professionnels, and corporate clients.
- Épargne Salariale (Employee Savings) Advisory Design, implementation, and advisory on corporate employee savings schemes (PEE, PERCO/PER Collectif, etc.) to support retention, incentive, and tax-advantaged saving. Targeted at French SMEs deploying employee benefits.
- Trésorerie d'Entreprise (Corporate Treasury) Advisory Advisory on placing and optimizing corporate cash balances via suitable short-term and structured products. Targeted at French SMEs with idle treasury seeking yield and liquidity.
- Protection Dirigeant / Key-Person Insurance Design and distribution of key-person and executive protection insurance policies covering the loss of a critical employee or shareholder. Targeted at SMEs, their shareholders, and self-employed professionals.
Quantifiable outcome
- 90% of clients come via recommendation
- +1 more outcomes
Companies that use CO Conseils
Customer profileNamed customers4 records
Segments4 records
Ideal customer profiles3 records
CO Conseils technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
CO Conseils partnerships and signals
Strategic signalPartnerships
15 partnerships are on record, tiered core and secondary.
- Abeille AssurancescoreHistorical insurance partner offering life insurance and wealth management products. Abeille Assurances (formerly Aviva France) is a 160-year-old company and AXA subsidiary. CO Conseils offers their insurance-vie and capitalisation products.
- UAF Life PatrimoinecoreInsurance partner offering PER and capitalisation products. Distributes Spirica Capi 2 and Version Absolue Retraite products through CO Conseils.
- IntencialcorePremium insurance partner offering high-end wealth management products including INTENCIAL Libéralys Retraite, INTENCIAL Libéralys Capi, and INTENCIAL Gestion Privée II Capi. Features Luxembourg supervision.
- EpsicapsecondarySCPI management company offering Epsilon 360° product through CO Conseils.
- My Money BanksecondaryBanking partner offering financing solutions and savings products.
- France ValleysecondaryForestry investment partner offering GFV (Groupement Forestier) and Champagne Foncière products.
- IrokosecondarySCPI management company offering Iroko Zen product with 7.16% distribution rate.
- Inter GestionsecondarySCPI management company offering Cristal Rente and Cristal Life products. Over 30 years of experience with 850M€ under management.
- EquitimsecondaryFinancial partner offering structured products and specialized investment solutions.
- SilexsecondaryInvestment partner offering specialized financial products.
- APICILcoreInsurance group partner through APICIL Life subsidiary, offering The OneLife Company products with Luxembourg supervision.
- STAR INVESTcoreLeading overseas tax reduction operator with over 25 years experience, 400+ fiscal approvals, €2.5B+ investments managed. Operates in French overseas territories through subsidiaries ALCYOM, ORYOM, PHARLSBOURG GESTION, and YSIDIS.
- Sogenial ImmobiliersecondarySCPI management company offering Cœur de Régions (with ISR label), Cœur de Ville, Cœur d'Europe, and Cœur d'Avenir products.
- Atland VoisinsecondaryAsset management company since 1968 managing €3B, 65,000 clients, offering Épargne Pierre (with ISR label), Épargne Pierre Europe, Immo Placement, and Foncière Rémusat SCPI products.
- CNCGPcoreChambre Nationale des Conseils en Gestion de Patrimoine - Professional association established 1978, approved by AMF. CO Conseils is a member adhering to professional code of ethics.
Scale indicators7 records
Recent moves10 records
Expansion highlights5 records
CO Conseils competitors and assessment
Company assessmentDirect peers
- Cyrus Capital: French family-run independent wealth advisor with multi-office presence serving HNW clients across tax optimization, transmission, and real estate investment. Directly comparable in target client, product mix, and independent-architecture positioning.
- Compagnie de Trésorerie Wealth: French independent wealth management advisory firm (CGP) offering similar services: tax optimization, life insurance, SCPI, and real estate investment advice to individuals and professionals. Comparable size and open-architecture positioning make it a close boutique competitor.
- Kets Advisors: Independent French wealth management firm offering open-architecture advisory, tax optimization, and financial engineering for individuals and business owners. Similar CNCGP-affiliated boutique positioning.
Broad incumbents
- La Française Group: Major French asset and wealth management group offering multi-affiliate advisory, SCPI, and structured products to institutional and private clients. Overlapping product catalog in SCPI, life insurance, and structured solutions.
- Primonial: One of the largest independent French wealth and asset management groups (€50B+ AUM) offering SCPI, life insurance, and advisory across institutional and HNW clients. Represents the scaled incumbent benchmark for the same product universe CO Conseils distributes.
- Natixis Wealth Management: BPCE group-affiliated wealth manager serving HNW/UHNW French clients with private banking, life insurance, and advisory. Comparable product breadth but tied to a banking parent — the contrast illustrates CO Conseils' independent value proposition.
Emerging players
- Goodvest: French digital wealth advisor specializing in ESG/sustainable investing via life insurance and PEA wrappers. Targets the same HNW-lite segment as CO Conseils with a sustainable-investment angle and lower fees.
- Nalo: French robo-advisor providing algorithm-driven wealth management and life insurance allocation for mass-affluent and younger HNW clients digitally. Threatens the entry-level end of CO Conseils' target market with lower fees and automated advice.
- Yomoni: French online wealth management and life insurance robo-advisor serving mass-affluent clients with low-cost passive portfolios. Comparable product category (life insurance, UC allocation) but delivered via a pure digital channel versus CO Conseils' in-person advisory.
Others
- Harvest: French fintech providing wealth management software and APIs to CGPs and financial advisors. Relevant as enabling infrastructure that could help CO Conseils digitize operations and compete with robo-advisors.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
CO Conseils social profiles
Digital presenceCO Conseils compliance and trust
Trust signalCompliance8 records
CO Conseils financial estimates
Financial estimateRevenue estimate
Valuation estimate
CO Conseils leadership team
Management profileNumber of profiles
Profiles2 records
CO Conseils funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
CO Conseils 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 CO Conseils
What does CO Conseils do?
CO Conseils is an independent French wealth management advisory firm (Conseiller en Gestion de Patrimoine) that produces bilan patrimonial assessments and distributes tax-optimized financial and real-estate products — assurance-vie, PER, SCPI, tontine, and incentive schemes such as Loi Pinel, Loi Girardin, and LMNP — to individuals, self-employed professionals, and SMEs. For corporate clients it advises on épargne salariale (employee savings), corporate treasury optimization, and key-person insurance, leveraging an open-architecture model with 50+ product partners.
Is CO Conseils a public or private company?
CO Conseils is a private company. It is classified as family owned and is currently operating.
When was CO Conseils founded?
CO Conseils was founded in 2010. It employs 1 to 10 people.
Where is CO Conseils based?
CO Conseils is headquartered in Mérignac, France, in the Europe region.
How does CO Conseils make money?
Five revenue lines are on record. Advisory Fees are the primary driver. The others are real Estate Transaction Fees, commissions on Financial Products, girardin Investment Fees and tax Declaration Assistance.
Who are CO Conseils's main competitors?
Direct peers on record are Cyrus Capital, Compagnie de Trésorerie Wealth and Kets Advisors. Broad incumbents are La Française Group, Primonial and Natixis Wealth Management. Emerging players are Goodvest, Nalo and Yomoni. Harvest is listed as an others.
Does CO Conseils have an API?
No public API is recorded for CO Conseils.
What industry is CO Conseils in?
CO Conseils's product category is Wealth Management Advisory. Its primary akta.pro industry code is FSAAACAH, Family Wealth & Multi-Generational Planning RIAs (HNW/UHNW-lite). Its NAICS code is 524210 and its SIC code is 6411.