PER Consulting

What PER Consulting does

P&R Consulting is an independent Multi-Family Office (MFO) headquartered in Montanay in the Lyon metropolitan area of France, founded in 2018. The firm provides comprehensive wealth management advisory to French high-net-worth individuals across three primary client segments: business owners preparing for exit or seeking holding structure optimization, French expatriates living abroad who retain French assets, and multi-generational families managing succession and governance. The firm operates on a fee-only basis, explicitly receiving no retrocessions or commissions from financial institutions, insurers, or property developers — a structural choice that distinguishes it from traditional wealth management advisors (CGPs) who distribute third-party products.

P&R Consulting delivers services through six interconnected modules: Ingénierie Patrimoniale (global wealth structuring using holdings, SCI, life insurance, and PER), Stratégie Dirigeant (executive compensation and holding setup), Cession d'Entreprise (business sale advisory with Article 150-0 B ter apport-cession mechanisms), Transmission (multi-generational succession planning with Pacte Dutreil and démembrement), Immobilier (real estate structuring), and Expatriation (international fiscal optimization). Service delivery follows a four-step methodology: comprehensive diagnostic, custom strategy design, expert coordination through a curated network of notaries, tax lawyers, accountants, private bankers, and M&A advisors, and annual strategy review. The firm has no proprietary technology platform; competitive differentiation derives entirely from human expertise, structural independence, and the curated specialist network.

The firm is compensated through two fee structures: forfait annuel (fixed annual retainer for ongoing mandates) and honoraires à la mission (project-based fees for specific engagements). P&R Consulting is the core entity of a broader P&R Group that includes three wholly-owned sub-brands: P&R Immobilier (real estate expertise), P&R Golf (exclusive networking for HNW clients), and P&R Formation (educational seminars). The firm holds ORIAS registration 18005569 as CIF, COA, and COBSP/MIOBSP, a Carte T real estate professional card, and maintains €3 million in professional liability insurance per claim through MMA IARD. Leadership comprises Julien PUPIER as Président and Directeur Général and Armand ROLDAN as Directeur Général.

Name

PER Consulting

Legal name

SAS P&R Consulting

Website

https://perconsulting.pro

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

1–10 employees

Short description

P&R Consulting is an independent French Multi-Family Office founded in 2018, providing fee-only wealth management advisory to high-net-worth business owners, French expatriates, and multi-generational families across six service modules including holding structuring, transmission, and international fiscal optimization.

Ownership category

akta.pro rank

Product category

Wealth Management Advisory

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282), Services-Management Consulting Services (8742)

akta.pro primary industry

Family Business & Succession Advisory (FSAAADAL)

Keywords

• Multi-family office services
• Wealth management advisory
• Estate planning consulting
• Business succession advisory
• Expatriate tax planning

Headquarters

HQ city

Lyon

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Advisory Fees (Honoraires): P&R Consulting is compensated exclusively through transparent client-paid honoraires (fees). The firm uses two fee structures: (1) Forfait annuel — a fixed annual retainer for ongoing advisory mandates, and (2) Honoraires à la mission — project-based fees for specific engagements (e.g., business sale preparation, estate planning, expatriation audit). The firm explicitly states it receives zero retrocessions or commissions from financial institutions, insurers, or property developers. This fee-only model eliminates conflicts of interest inherent in product-distribution advisory firms.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels5 records

Core offering

P&R Consulting is an independent Multi-Family Office delivering comprehensive wealth management advisory for high-net-worth individuals, business owners, French expatriates, and multi-generational wealthy families. Services span six dimensions — Ingénierie Patrimoniale, Stratégie Dirigeant, Cession d'Entreprise, Transmission, Immobilier, and Expatriation — delivered via a 4-step methodology of diagnostic, structuring, implementation, and annual review. The firm is compensated exclusively through client-paid fees (annual retainer or per-mission), with no retrocessions from financial institutions.

Product overview

PER Consulting (P&R Consulting) operates as an independent Multi-Family Office offering a unified wealth management platform. The core offering centers on P&R Consulting, providing comprehensive patrimony advisory across six interconnected service modules: Ingénierie Patrimoniale (wealth engineering), Stratégie Dirigeant (executive strategy), Cession d'Entreprise (business sale), Transmission (wealth transfer), Immobilier (real estate), and Expatriation (international advisory). These services are delivered through a 4-step methodology: diagnosis, structuring, implementation, and annual monitoring. The group ecosystem includes three sub-brands—P&R Immobilier (real estate), P&R Golf (networking), and P&R Formation (education)—that provide complementary services accessible to P&R Consulting clients. Appointment types include Diagnostic Patrimonial (90 min), Audit Stratégique Dirigeant (2 hours), and Diagnostic Expatrié (1 hour).

Differentiator

Problem solved

Functional benefit

Brands

• P&R Immobilier: Expertise in professional and prestige real estate; property acquisition, management, legal structuring, and financing.
• P&R Golf
• P&R Formation

Products and services

• P&R Consulting Multi-Family Office Independent Multi-Family Office providing comprehensive wealth management services encompassing financial, legal, tax, and real estate advisory. Acts as the client's family CFO, coordinating all dimensions of their patrimonial life.
• Ingénierie Patrimoniale (Wealth Engineering)
• Stratégie Dirigeant (Executive Strategy) Business leader wealth strategy service addressing executive compensation optimization, holding structure setup, employee savings plans, provident insurance, and exit preparation.
• Cession d'Entreprise (Business Sale Advisory) Business sale advisory service with fiscal anticipation, pre-sale structuring, valuation, and M&A negotiation support, including the article 150-0 B ter contribution-sale (apport-cession) mechanism.
• Transmission (Estate Transfer Advisory) Patrimonial transmission service including Dutreil Pact (75% succession tax exemption), donation-share, property splitting, life insurance transmission optimization, and multi-generational governance strategies.
• Immobilier (Real Estate Advisory) Real estate advisory covering SCI and SCPI structuring, prestige property acquisition, optimized rental investment (LMNP, Pinel, Malraux), structured financing, and patrimony arbitration.
• Expatriation (International Advisory) International expatriation advisory including fiscal residence optimization, bilateral convention analysis, French asset management, international succession planning, and repatriation of funds.
• Diagnostic Patrimonial 90-minute comprehensive patrimony assessment providing a complete overview of assets, liabilities, fiscal structure, objectives, and life horizon. Confidential and without commitment.
• Audit Stratégique Dirigeant 2-hour strategic audit analyzing the specific situation of business leaders including 360-degree patrimony, tax, and legal assessment.
• Diagnostic Expatrié 60-minute analysis of international fiscal situation for expatriates covering tax residence, bilateral conventions, and French asset optimization.

Quantifiable outcome

• Pacte Dutreil can reduce business succession taxes by 75%, e.g., reducing succession duty on a €5M business from ~€1.6M to ~€400,000.
• +2 more outcomes

Named customers4 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Eleven partnerships are on record, tiered core and minor.

• Cabinets M&A / Banques d'affairescoreStrategic or Co-development PartnerP&R Consulting partners with leading mid-market M&A advisory firms and investment banks for business sale, acquisition, and OBO transactions. Partners include Banques d'affaires, Corporate Finance firms, and specialized M&A boutiques. No exclusive relationship — the best advisor is selected for each client's situation.
• Notaires (Notaries)coreImplementation/ SI/ Consulting PartnerNetwork of notaries specializing in estate transmission, family law, and complex real estate transactions. Includes prestigious Paris-based offices (offices parisiens de premier rang) and international notaries. Notaries are coordinated by P&R Consulting for SCI formation, donation-partage, Pacte Dutreil, and estate settlement.
• Avocats fiscalistes (Tax Lawyers)coreImplementation/ SI/ Consulting PartnerPartner tax law firms covering corporate taxation, wealth optimization, and tax litigation. Includes Cabinets de fiscalité internationale, Avocats en droit des sociétés, and Fiscalistes patrimoniaux. Activated for complex tax structuring, business sale structuring, and international expatriation mandates.
• Experts-comptables (Accountants)minorImplementation/ SI/ Consulting PartnerAccounting firms specializing in business owner advisory, group consolidation, and payroll optimization. Includes mid-market cabinets, social management experts, and group consolidators. Coordinated for holding structuring, social optimization, and financial reporting.
• Banques privées (Private Banks)coreImplementation/ SI/ Consulting PartnerCollaboration with leading French and international private banks without exclusive affiliation. Includes Banques privées françaises, Banques suisses, and Family offices bancaires. P&R Consulting acts as client advocate — selecting the best private bank for each client's needs rather than being tied to a single institution.
• Assureurs et courtiers d'assurances (Insurers & Insurance Brokers)coreImplementation/ SI/ Consulting PartnerSelection of top-tier life insurers for high-end life insurance contracts, personal protection, and professional liability. Includes Assureurs vie haut de gamme, Courtiers spécialisés, and Assureurs luxembourgeois (for Luxembourgish life insurance for expatriates). No exclusive tied-agent relationship — best insurer selected per client profile.
• P&R ImmobiliercoreStrategic or Co-development PartnerP&R Group entity providing real estate expertise: prestige property acquisition, investment property, SCI and SCPI structuring, and structured financing. Clients of P&R Consulting receive privileged access to P&R Immobilier services with seamless coordination between wealth management and real estate strategy.
• P&R GolfminorGTM or Marketing PartnerP&R Group networking club for clients and partners of the P&R ecosystem. Hosts exclusive tournaments, private events, and business networking. Serves as a client retention and referral mechanism within the HNW community.
• P&R FormationminorGTM or Marketing PartnerP&R Group entity providing seminars and training in wealth strategy for business owners and wealth management professionals. Positions P&R Consulting experts as thought leaders and generates qualified leads through educational content.
• La Compagnie des CGPIminorOthersP&R Consulting is a member of La Compagnie des Conseillers en Gestion de Patrimoine Indépendants (member F000562), an AMF-agréée professional association. Membership provides regulatory standing, peer network, and professional credibility as an independent CIF.
• MMA IARD Assurances Mutuelles / MMA IARD (Professional Liability Insurer)minorOthersProfessional liability insurance provider for P&R Consulting. Covers: wealth management/CIF advisory (€3M per claim/year), insurance intermediation (€3M), IOBSP/COBSP activities (€3M), and financial guarantee for real estate (€110,000/year). Policy No. 150258091, underwritten at 160 rue Henri Champion, Le Mans.

Scale indicators5 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Bessemer Trust: US-headquartered independent multi-family office serving ultra-HNW families with multi-generational wealth planning, investment advisory, and family governance — comparable independent, fee-based MFO model with multi-generational focus.
• Cyrus Conseil: One of France's leading independent multi-family offices serving HNW entrepreneurs and families with comprehensive patrimonial advisory — fee-only independence, multi-generational horizons, and a coordinating 'family CFO' role make it the closest directly comparable peer.
• Stonehage Fleming: International independent multi-family office with global HNW and entrepreneur client base; offers coordinated wealth structuring, tax, and intergenerational planning — directly comparable independent MFO model at international scale.

Broad incumbents

• BNP Paribas Wealth Management: BNP Paribas's private banking franchise serves French and international HNW clients with comprehensive wealth, tax, and succession advisory as part of a much broader retail and corporate bank.
• Lazard: Global advisory and asset management firm with dedicated French wealth management practice serving HNW families and entrepreneurs; competes in wealth structuring and business sale advisory from a broader financial advisory platform.
• Société Générale Private Banking: Société Générale's private banking division provides wealth structuring, investment advisory, and succession services to French entrepreneurs and HNW families — broader incumbent competing for the same core client segments.
• Indosuez Wealth Management: Crédit Agricole's wealth management arm providing private banking and HNW advisory across jurisdictions including France; competes for the same entrepreneur and family client base with broader product capabilities.
• KPMG Family Office & Private Client: Big Four firm offering dedicated family office and HNW advisory practices in France including tax structuring, succession, and cross-border services; broader incumbent competing for HNW wealth mandates with cross-functional capacity.
• Edmond de Rothschild (Banque Privée): Swiss-headquartered private bank with dedicated French family office and wealth advisory franchise; broader portfolio of investment products partially overlaps P&R's MFO scope, but as a broader private bank incumbent.
• Pictet Group: Swiss private bank and asset manager with wealth management services for international HNW families; significant overlap in tax structuring, real estate, and intergenerational advisory as a broader incumbent.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/per_consulting
• Facebookfacebook.com/perconsulting.pro
• LinkedInlinkedin.com/company/consultingper

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries3 records

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 PER Consulting