Optia Finance Group

What Optia Finance Group does

Optia Finance Group is a privately held French wealth management and advisory firm headquartered at 87 Quai Colbert, Le Havre, founded in 2001 (originally as OPTIMUM CONSEIL, later rebranded OPTIA CONSEIL). The group operates through two main entities: Optia Conseil, providing wealth management, financial advisory, tax optimization, retirement planning, and estate transmission services; and Progressia Immobilier, a wholly-owned real estate transaction subsidiary handling new and existing property sales, viager transactions, and rental management in the Normandy region.

The business is built on a tiered subscription advisory model with three core products — Essentiel Silver (from €59.99/month), Essentiel Silver for Liberal Professionals (from €89.99/month), and Essentiel Pro (€480/month) — alongside revenue from insurance intermediation commissions, banking brokerage fees (up to 3% of financed amount), and real estate transaction fees. The firm holds ORIAS registration 07002104 covering CIF, COA type B, and COBSP broker statuses under ANACOFI membership and AMF supervision, and distributes through a 20+ partner network spanning AXA, Generali, Swiss Life, Primonial, Sofidy, CORUM, and others. With 19-22 employees — including 10 AUREP-certified wealth advisors — the firm manages over €250M in assets under management, processes 550 annual income tax declarations, and completes approximately 80 new real estate transactions per year, serving primarily HNW individuals, business owners, liberal professionals, and real estate investors in Le Havre and the broader Normandy region via offices in Le Havre and Rouen (opened 2022).

Name

Optia Finance Group

Legal name

OPTIA CONSEIL

Website

https://groupe-optia.fr

Company type

Private

Founded year

2001

Operating status

Operating

Headcount range

11–50 employees

Short description

Optia Finance Group is a French wealth management and advisory firm founded in 2001, headquartered in Le Havre, serving HNW individuals, business owners, and liberal professionals in Normandy through subscription-based financial advisory, tax optimization, and real estate transaction services via its Optia Conseil and Progressia Immobilier entities.

Ownership category

akta.pro rank

Product category

Wealth Management

NAICS

Portfolio Management and Investment Advice (523940), Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Investment Advice (6282), Insurance Agents, Brokers & Service (6411), Real Estate Agents & Managers (For Others) (6531)

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), Investment Management Advisory (RIA) (FSAEAAAB)

Keywords

• Wealth management services
• Financial advisory services
• Real estate transactions
• Investment advisory
• Tax optimization services

Headquarters

HQ city

Le Havre

HQ country

France

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations

Revenue model

1. Wealth Management Advisory Fees: Monthly subscription fees for ongoing wealth management and advisory services including financial planning, tax optimization, retirement planning, and investment management.
2. Insurance Intermediation: As an insurance broker (Courtier d'Assurance), Optia Conseil receives commissions from insurance products, specifically a portion of entry fees plus a fraction of management fees (up to 50%) and arbitration fees.
3. Banking Intermediation: As a non-exclusive bank and payment services broker, fees can go up to 3% of the financed amount, with additional referral commissions from partner establishments.
4. Real Estate Transactions: Through Progressia Immobilier subsidiary, generates revenue from real estate transactions in new and existing properties.
5. Financial Investment Advisory: For non-independent financial investment advisory (CIF), compensation comes from client fees detailed in mission letters, plus commissions from product promoters based on fees initially charged.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Optia Finance Group provides subscription-based wealth management, financial advisory, tax optimization, retirement planning, insurance intermediation, and banking intermediation services through Optia Conseil, complemented by real estate transaction services (new and existing properties, viager, commercial premises) through its Progressia Immobilier subsidiary. The firm also offers rental property management and real estate advisory, serving individuals, business owners, liberal professionals, and real estate investors primarily in the Normandy region.

Product overview

Optia Finance Group operates as a unified wealth management and real estate advisory platform comprising two main entities: Optia Conseil (wealth management and financial advisory) and Progressia Immobilier (real estate transactions). The group offers subscription-based advisory services under the Essentiel product line (Silver, Silver Prof. Libérales & EI, and Pro tiers), complemented by dedicated real estate services including property management, new property programs, and transaction support. The portfolio spans from comprehensive patrimony strategy and tax optimization to real estate sales and rental management across Le Havre and Normandy.

Differentiator

Problem solved

Functional benefit

Products and services

• Optia Conseil Wealth management and financial advisory service offering personalized patrimony strategy, investment recommendations, tax optimization, retirement planning, and business owner advisory for individuals, entrepreneurs, and liberal professionals.
• Progressia Immobilier Real estate transaction specialist operating in Le Havre and Normandy, handling new and existing property sales, property valuation, commercial premises, and viager (lifetime annuity) sales for individual and investor clients.
• Essentiel Silver Monthly subscription service starting from €59.99 TTC/month (6-year commitment) providing portfolio optimization, annual tax return assistance, civil law analysis (matrimonial regime, estate transmission), fiscal updates, financing analysis, retirement planning, and real estate accompaniment for individual clients.
• Essentiel Silver Prof. Libérales & EI Monthly subscription service starting from €89.99 TTC/month for liberal professionals and sole traders, covering legal structure analysis, director remuneration optimization, corporate treasury management, professional and personal investments, retirement planning, and business owner protection.
• Essentiel Pro Premium monthly subscription at €480 TTC/month for business owners, including company legal status analysis, director remuneration optimization, corporate treasury, employee retirement schemes, professional investments (real estate, financial, holding creation), business protection (insurance, key person coverage), and business succession/transmission planning, with a minimum of two meetings per year and an annual wealth assessment.
• Optia Gestion Immobilière Rental property management service specializing in rental property search and ongoing management for property owners and investors.
• Optia Conseil Immobilier Real estate advisory services including new property programs, investment analysis, and property transaction support for individual and investor clients.

Quantifiable outcome

• +250M€ assets under management
• +2 more outcomes

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

19 partnerships are on record, tiered core and minor.

• ANACOFIcoreStrategic or Co-development PartnerProfessional association approved by AMF (Autorité des Marchés Financiers). OPTIA CONSEIL is a member under number E002538. ANACOFI CIF is an association approved by AMF. Also provides mediation services for dispute resolution.
• AUREPcoreStrategic or Co-development PartnerLeading French training organization in wealth management. OPTIA has 10 collaborators trained through AUREP Expert en Gestion de Patrimoine certification. Training covers wealth advisory, asset allocation, and estate planning.
• DomitysminorOthersSenior living residence operator. Partnership for referring clients interested in senior living investments.
• Monceau GroupeminorOthersReal estate developer partner for property investments.
• Consultim GroupeminorOthersReal estate investment and development group partner.
• AdequityminorOthersFinancial services partner for wealth management and investment solutions.
• AestiamminorOthersAsset management company partner for investment products.
• AFI ESCAminorOthersInsurance and financial services partner.
• AXAminorOthersInsurance company partner for protection and insurance products.
• GeneraliminorOthersInsurance company partner for insurance and protection products.
• Swiss LifeminorOthersInsurance and wealth management partner for life insurance and savings products.
• MMAminorOthersInsurance company providing professional liability and business insurance. OPTIA CONSEIL's civil liability and financial guarantee policy is with MMA IARD.
• PrimonialminorOthersAsset management partner specializing in savings and retirement solutions.
• SofidyminorOthersSCPI (Real Estate Investment Trust) management company partner.
• CORUMminorOthersReal estate investment company offering SCPI and investment solutions.
• La Financière de l'ÉchiquierminorOthersAsset management firm partner for discretionary management and funds.
• La FrançaiseminorOthersAsset management partner for investment solutions.
• CARDIFminorOthersInsurance partner specializing in protection and credit insurance.
• MetLifeminorOthersInsurance partner for life and health insurance products.

Scale indicators4 records

Recent moves7 records

Expansion highlights5 records

Emerging players

• Nalo: French digital wealth manager offering automated, goal-based portfolio management to retail and mass-affluent clients. An emerging digital-native peer that competes for the same retail wealth and investment-advisory wallet with a much lower-cost technology model.

Direct peers

• IAD France: France's largest decentralized real estate transaction network. Comparable to Optia's Progressia Immobilier subsidiary as a real estate transaction platform serving regional French markets, though IAD operates nationally and is a pure-play real estate model.
• Herez: French independent multi-family office and wealth management firm offering investment advisory, tax/estate planning, and family-office services. Closely comparable to Optia's comprehensive patrimony-engineering proposition and is a frequent reference point for independent CGP platforms in France.
• Meeschaert: Independent French family-owned wealth management and asset management firm with discretionary management, advisory, and family-office capabilities. Comparable to Optia in being independent, multi-generational, and combining wealth advisory with product manufacturing.
• Crystal Finance: Established French CGP and private bank offering wealth advisory, asset management, and insurance intermediation to individuals and business owners. Comparable in service mix and target client (HNW individuals, entrepreneurs) to Optia Conseil.
• Cyrus Conseil: One of France's largest independent wealth management (gestion de patrimoine) networks, offering multi-advisor CIF, insurance brokerage, and real estate advisory services. Highly comparable to Optia's full-service RIA + insurance + real estate model, but at materially greater national scale.
• Mon Partenaire Patrimoine: French independent wealth management advisor (CGP) focused on individual and business-owner clients with tax optimization, investment, and real estate advisory. Closely comparable size, target segment, and integrated service offering to Optia Finance Group.
• Advenis: French wealth management and real estate services group serving private clients with investment, tax, and property advisory. Comparable to Optia in its combined wealth + real estate orientation and HNW/entrepreneur client focus.

Broad incumbents

• UFF (Union Financière de France): BNP Paribas group's dedicated wealth management subsidiary, providing advisory and discretionary management to French households. Operates as a broad incumbent in the same RIA/wealth advisory space, but with national distribution, proprietary products, and far larger AUM.
• Boursorama Banque: Société Générale's online bank and brokerage, offering investment, savings, and wealth-adjacent services to French retail clients. A broad incumbent that competes for mass-affluent and DIY-investor clients in Optia's broader addressable market.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/optia-finance

Revenue estimate

Valuation estimate

Number of profiles

Profiles12 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 Optia Finance Group