Mon Partenaire Patrimoine

What Mon Partenaire Patrimoine does

Mon Partenaire Patrimoine SAS is a French digital wealth management advisory platform (Conseiller en Gestion de Patrimoine en ligne) founded in 2020 and headquartered in Paris at 88 rue de Courcelles, 75008. It operates as a subsidiary of the IRH Group and is associated with the personal finance media property ToutSurMesFinances.com and the financial analysis firm IDMidCaps. The company offers a hybrid CGP-and-digital-platform model that combines a free online portfolio simulator, Zoho-powered advisor booking, Bluefiles secure document exchange, and human advisor support delivered by phone, email, and in-person, with advisory missions starting from €45 and a 30-day satisfaction guarantee. Regulated under ORIAS #20006381 (CIF, COA, COBSP) and a member of CNCGP and PLANÈTE CSCA, MPP is positioned to distribute a broad product shelf that includes standard and Luxembourg life insurance (with a proprietary Generali Vie-backed Mon Partenaire Assurance Vie), PER retirement plans, Compte Titres/PEA, SCPI (60+ funds from 25 management companies), real estate crowdfunding, LMNP, bare-ownership via Monetivia, and forest investment (GFI), as well as a B2B Pack Entreprise layer for PME-ETI that delivers PEE/PERECO employee savings through Eres, corporate securities accounts via NORTIA/Crédit Agricole Titres, and key-person and partner guarantees.

Name

Mon Partenaire Patrimoine

Legal name

Mon Partenaire Patrimoine SAS

Website

https://monpartenairepatrimoine.com

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

1–10 employees

Short description

Mon Partenaire Patrimoine is a French digital wealth management advisory platform serving individual consumers and PME-ETI businesses with hybrid online-plus-advisor access to life insurance, retirement plans, SCPI real estate, securities accounts, and corporate employee savings solutions, operating as an IRH Group subsidiary under ORIAS #20006381.

Ownership category

akta.pro rank

Product category

Wealth Management Advisory Services

NAICS

Insurance and Employee Benefit Funds (5251), Trusts, Estates, and Agency Accounts (525920)

SIC

Finance Services (6199)

akta.pro primary industry

Private Banking & UHNW Wealth Advisory (FSAEABAC)

Keywords

• Wealth management advisory
• Life insurance products
• Retirement planning services
• Real estate investment
• Employee savings schemes

Headquarters

HQ city

Châteaudun

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Revenue model

1. Advisory Consulting Fees: Fees for personalized wealth management advisory missions, starting from €45 for basic consultation packages with satisfaction guarantee.
2. Financial Product Commissions: Commissions from insurance and investment product providers including life insurance (assurance vie), PER, SCPI, real estate crowdfunding, and securities accounts.
3. Corporate Treasury Management: Advisory and management fees for company treasury accounts, securities accounts for businesses, and employee savings plan administration.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels7 records

Core offering

Mon Partenaire Patrimoine is a digital wealth management advisory platform that sells and intermediates financial products (life insurance, PER, PEA, SCPI, securities accounts) to individual consumers and businesses, paired with personalized advisory missions. It generates revenue through advisory fees (starting at €45) and commissions from curated third-party financial product partners including Generali, Eres, NORTIA, and major asset managers. The firm also offers a B2B2C 3-in-1 corporate pack (employee savings, director benefits, and corporate treasury).

Product overview

Mon Partenaire Patrimoine operates as a multi-channel wealth management advisory platform positioning itself between traditional independent financial advisors (CGPs) and digital savings platforms. The core offering is structured as a comprehensive wealth management ecosystem comprising: (1) Individual savings products including life insurance (Assurance Vie in standard and Luxembourg versions, including the Generali-backed Mon Partenaire Assurance Vie), retirement planning (PER), securities accounts (Compte Titres & PEA), and sustainable investment options (Valeurs Durables); (2) Real estate investment products covering SCPI funds, crowdfunding, furnished rentals (LMNP), and bare ownership structures (Nue-propriété Monetivia); (3) Forest investment (GFI); (4) Corporate solutions including employee savings (PEE/PERECO), corporate securities accounts, and treasury management; (5) Executive services including key person insurance, partner guarantees, and succession planning; (6) Advisory packs for donations, real estate organization, and family support; and (7) Educational content through the Mon Podcast Patrimoine. The company acts as an intermediary/broker connecting clients to third-party financial products from partners including Eres, NORTIA, Generali, and others, while providing personalized advisory services starting from 45€.

Differentiator

Problem solved

Functional benefit

Brands

• Mon Partenaire Assurance Vie: A life insurance contract insured by Generali Vie, offering managed investment that prioritizes investment in the local economy.
• Mon Podcast Patrimoine
• Macro Micro

Products and services

• Mon Partenaire Assurance Vie A life insurance contract insured by Generali Vie featuring managed portfolios focused on investment in the local economy, offered to individual clients seeking tax-advantaged long-term savings.
• Assurance Vie Luxembourgeoise Luxembourg-based life insurance product offering additional European regulatory protections and investment flexibility for eligible individual clients with larger patrimonies.
• PER (Plan d'Épargne Retraite) Personal pension savings plan with tax advantages available from €50 per month, providing income tax reductions and retirement preparation for individual clients.
• Compte Titres & PEA Securities account and Equity Savings Plan for individual clients to invest in stock markets, diversify holdings, and access tax-advantaged capital gains exposure.
• Immobilier SCPI Real estate investment through SCPI funds offering rental property yields without direct management responsibilities, with access to over 60 funds from 25 management companies.
• Crowdfunding Immobilier Participatory real estate investment through crowdfunding platforms, allowing individual clients to invest in property development projects.
• Immobilier Locatif LMNP Non-professional furnished rental property investment (Loueur Meublé Non Professionnel) for building real estate assets in optimized tax frameworks for individual clients.
• Nue-propriété Monetivia Bare ownership investment through the Monetivia partner, allowing property acquisition at reduced prices with future full ownership for individual clients.
• Investissement Forestier (GFI) Forest investment (Groupement Forestier d'Investissement) supporting forestry heritage while diversifying savings in a tax-advantaged framework.
• Prévoyance Personal protection insurance covering death, loss of autonomy, and other risks to protect loved ones and household lifestyle for individual clients.
• PEE (Plan d'Épargne Entreprise) Company savings plan for businesses to invest participation, profit-sharing, and voluntary contributions with employer matching in a tax-advantaged framework.
• PERECO (PER d'Entreprise Collectif) Collective company pension plan with three compartments for retirement savings, combining employee and employer contributions for corporate clients.
• Compte à Terme Short-term bank deposit account offering fully secure, guaranteed returns for corporate treasury management of business clients.
• Compte Titres Entreprise Corporate securities account for investing company cash reserves in diversified financial products including funds, stocks, bonds, and structured products, with preferential management fees.
• Garantie Homme Clé Key person insurance protecting the company against financial or operational harm caused by the death or incapacity of a critical executive.
• Garantie Entre Associés Cross-purchase or entity redemption agreement ensuring business continuity if an associate dies or becomes incapacitated.
• Pack Transmission Entreprise Business succession planning advisory service helping entrepreneurs prepare and optimize the transfer of their company with tax-efficient structures.
• Pack Entreprise MPP 3-in-1 corporate solution combining employee savings (épargne salariale), employee benefits, and director protection and advisory services for SMEs and their executives.
• Pack Donation Advisory service for optimizing gifts to loved ones through various donation strategies and tax optimization techniques for individual clients.
• Pack Patrimoine Immobilier Advisory service for organizing and optimizing real estate holdings and property-related decisions for individual clients.
• Pack Aider ses Enfants Advisory service helping parents financially support children through strategic savings and investment planning.
• Advisory Missions (Offres de conseil MPP) Personalized wealth management advisory missions starting at €45 with a 'satisfied or refunded' 30-day guarantee, democratizing access to professional wealth management advice for individual clients.

Quantifiable outcome

• Accessible advisory services starting from €45 with satisfaction guarantee
• +2 more outcomes

Named customers7 records

Segments3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

Feature2 records

Partnerships

Six partnerships are on record, tiered core, flagship and minor.

• Groupe IRHcoreOthersParent company of Mon Partenaire Patrimoine. IRH France is an independent group providing structural support and group synergies for the wealth management advisory platform.
• ToutSurMesFinances.comcoreStrategic or Co-development PartnerDigital finance media platform providing expertise and brand credibility. Jérôme Dedeyan is associated partner of both ToutSurMesFinances.com and Mon Partenaire Patrimoine.
• IDMidCapscoreTechnology or IntegrationRecognized financial analysis company providing analysis and research support for investment recommendations and portfolio management.
• EresflagshipTechnology or IntegrationPartner for employee savings (épargne salariale) solutions providing PEE and PERECO platforms. Mon Partenaire Patrimoine offers management access to 60+ FCPE funds from 30+ asset managers through Eres partnership.
• NORTIAflagshipTechnology or Integration30-year specialist in wealth savings solutions. Provides complete online product and service offering with underlying custody through Crédit Agricole Titres for corporate securities accounts.
• FideximinorChannel Partner/ Reseller/ DistributorDistribution partner for SCPI and real estate investment products.

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Primonial: One of France's largest dedicated wealth management groups (multi-brand CGP network). Overlaps with MPP across the full wealth product palette but operates at much larger advisor scale and broader geographic coverage.
• Boursorama Banque: Leading French online bank (Société Générale subsidiary) offering assurance vie, PEA, securities accounts and now PER — competes for the same end customers as MPP but bundles wealth services free with checking relationships, giving it major distribution scale.
• Meilleurtaux: Major French financial advisory and comparison platform (and CGP via its MieuxPlacer brand) covering assurance vie, PER, SCPI and lending. Competes with MPP for the same inbound French retail client but on a much larger marketing footprint.
• Fortuneo Banque: Major French online bank (Arkéa group) offering assurance vie, PEA and securities directly to retail clients. Competes with MPP by offering wealth products as a free add-on to its banking base — broader portfolio, no advisory focus.

Direct peers

• Ramify: French hybrid wealth advisory platform founded in Paris with a digital + human advisor model offering assurance vie, PER, SCPI and securities to mass-affluent clients. Almost identical positioning to Mon Partenaire Patrimoine as a digital-first CGP targeting retail rather than UHNW clients.
• Fundshop: French online wealth advisory and comparison platform offering multi-provider access to assurance vie, PER and securities accounts, with a digital subscriber journey overlapping MPP's D2C funnel.
• Nalo: French digital wealth management / robo-advisor targeting the same mass-affluent segment with assurance vie, PER and PEA products. More automated than MPP, but competes for the same customer profile and product wallet in the French retail wealth advisory market.
• BienPrévoir: Established French life insurance and wealth-product broker distributing assurance vie and savings products from multiple providers — same intermediary/broker model as MPP for insurance and savings, competing for the same retail savers.
• Patrimalin: French multi-product CGP offering assurance vie, PER, SCPI, securities and retirement planning to individuals. Same CGP regulatory scope as MPP (ORIAS/CIF-equivalent) and similar mid-market advisory positioning.

Others

• Harvest: Leading French B2B software and compliance platform serving CGPs and wealth advisors. Functionally adjacent rather than competitive — Harvest supplies the back-office technology that many CGPs (including peers of MPP) rely on.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@MonPartenairePatrimoine
• Facebookfacebook.com/monpartenairepatrimoine
• LinkedInlinkedin.com/company/monpartenairepatrimoine
• Instagraminstagram.com/monpartenairepatrimoine
• TikToktiktok.com/@monpartenairepatrimoine
• Xx.com/mpartenairep

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

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 Mon Partenaire Patrimoine