UPF
UPF Patrimoine is a French independent wealth management advisory firm (CGP) founded in 2002 in Le Havre, serving 2,500+ families, entrepreneurs, and professionals across France with financial, real estate, tax, credit, and estate planning services through multiple regulated sub-brands.
- Company typePrivate
- Founded2002
- HeadquartersLe Havre, France
- Headcount1–10
- GTM typeB2C
- OfferingServices
What UPF does
UPF (Union de Placement Financier), operating under the brand UPF Patrimoine, is a French independent wealth management advisory firm (CGP) founded in 2002 in Le Havre by Xavier and Julia Lascialfari. The firm provides comprehensive wealth advisory services to over 2,500 families, entrepreneurs, liberal professionals, and high-level athletes across France, organized through sub-brands covering financial advisory (UPF Patrimoine), insurance brokerage (UPF Courtage), credit brokerage (UPF Crédit), real estate (UPF Immo), advisory (UPF Conseils), and insurance products (UPF Assurance). Service offerings span assurance-vie, PEA, PER, private equity, structured products, real estate investment (Pinel, Malraux, LMNP/LMP, viager), tax optimization, credit brokerage, heritage protection, and business owner solutions (Dutreil, IFC-IL). The firm is regulated under CNCGP membership, ORIAS registration #07002489, AMF compliance, and holds a CCI Le Havre real estate transaction card, with professional liability insurance through MMA.
UPF operates a sales-led, relationship-based go-to-market model through two physical offices (Le Havre HQ and Paris regional office), event-driven client engagement (galas, conferences with speakers like Alain Juillet), and remote advisory services nationwide. Revenue is generated through advisory fees, product placement commissions on financial products (UPF can receive up to 50% of management fees per AMF regulations), insurance brokerage commissions with multiple insurers (Generali, Swiss Life, Aviva, Allianz, Primonial), and credit brokerage commissions with partner banks (BNP Paribas, Société Générale, Crédit Mutuel, CIC, LCL). The firm has developed YourNumbers, a proprietary digital client portal for CGP workflows including compliance tracking and personalized client follow-up.
The firm has 14-15 employees including founders, wealth advisors, back-office staff, and real estate specialists, many with Master II degrees in wealth management (AUREP, EMN Normandie). UPF operates as a family-controlled SAS with €100,000 share capital, no external parent or PE backing, and has demonstrated 23+ years of continuous operation. The client base is highly distributed across individuals and families with no enterprise-level concentration, and the firm is currently expanding nationally under dedicated development leadership (Alexandre Segonds and Fanny Patey).
UPF firmographics
Firmographics- Name
- UPF
- Legal name
- UPF Patrimoine
- Website
- https://upfpatrimoine.com
- Company type
- Private
- Founded year
- 2002
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- UPF Patrimoine is a French independent wealth management advisory firm (CGP) founded in 2002 in Le Havre, serving 2,500+ families, entrepreneurs, and professionals across France with financial, real estate, tax, credit, and estate planning services through multiple regulated sub-brands.
- Ownership category
- akta.pro rank
UPF industry classification
Industry- Product category
- Wealth Management Advisory
- NAICS
- Portfolio Management and Investment Advice (523940)
- SIC
- Investment Advice (6282)
- akta.pro primary industry
- Private Banking & UHNW Wealth Advisory (FSAEABAC)
- akta.pro secondary industry
- Family Office Advisory & Outsourced CIO (OCIO) (FSAAADAC)
Keywords
Where UPF is headquartered
LocationHeadquarters
- HQ city
- Le Havre
- HQ country
- France
- HQ region
- Europe
Offices2 records
Markets served
UPF business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Others
Revenue model
- Financial Advisory and Wealth Management Fees: UPF acts as an independent financial advisor registered with AMF/CNCGP, providing personalized wealth management advice across investments, insurance, real estate, tax optimization, and estate planning. Revenue is generated through advisory fees, commissions on financial products (insurance, funds, structured products), and management fees from mandates.
- Insurance Brokerage Commissions: Registered insurance broker (ORIAS #07002489, category B), UPF earns commissions on life insurance (assurance-vie), capitalisation contracts, and protection products placed with partner insurers including Generali, Swiss Life, Aviva, Allianz, Primonial, and others.
- Credit Broking: Credit brokerage services (courtage de crédit) for real estate financing, generating commissions from partner banks including BNP Paribas, Société Générale, Crédit Mutuel, CIC, LCL, Crédit Foncier, BRED, BPI, and others.
- Real Estate Transaction Fees: Property transaction services on real estate and commercial assets, registered with CCI du Havre (CPI 7605 2016 000 006 759). Covers buying, selling, and investing in residential and commercial properties.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Multi-year contract | Personalized wealth advisory - quote-based |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels7 records
UPF product offering
Product offeringCore offering
UPF Patrimoine is an independent French wealth management advisory firm providing personalized financial investment, real estate investment, tax optimization, credit brokerage, heritage protection, and business owner advisory services. The firm serves affluent individuals, families, entrepreneurs, business owners, liberal professionals, and high-level athletes across France from offices in Le Havre and Paris. Their offering encompasses assurance-vie, PEA, PER, private equity, structured products, real estate schemes (Pinel, Malraux, LMNP/LMP, viager), tax reduction strategies, credit brokerage, and estate planning, supported by their proprietary YourNumbers digital client portal.
Product overview
UPF (Union de Placement Financier) is a French wealth management group founded in 2002, offering a multi-brand portfolio of advisory services. The core offering centers on UPF Patrimoine, complemented by specialized sub-brands including UPF Courtage (insurance brokerage), UPF Crédit (mortgage brokerage), UPF Immo (real estate investments), UPF Conseils (advisory), and UPF Assurance (insurance products). The service portfolio spans financial investments (life insurance, PEA, PER, Private Equity, structured products), real estate investments (Pinel, Malraux, furnished rentals, viager), tax optimization, credit brokerage, heritage protection, and business owner solutions. UPF has also developed YourNumbers, a proprietary digital platform for client portfolio management and advisor support.
Differentiator
Problem solved
Functional benefit
Brands
- YourNumbers: Proprietary digital tool for wealth management advisors developed by UPF to provide more responsive, rigorous compliance and effective personalized client follow-up.
Products and services
- UPF Patrimoine Wealth Management Advisory Comprehensive independent wealth management advisory service for affluent individuals, families, entrepreneurs, business owners, liberal professionals, and high-level athletes across France, covering financial investments, real estate, tax optimization, credit, and heritage protection.
- UPF Immo Real Estate Investment Real estate investment advisory and transactions under the UPF Immo sub-brand, providing access to private real estate offerings including Pinel, Malraux, furnished rentals (LMNP/LMP), and viager programs for wealth structuring and tax optimization.
- UPF Courtage / UPF Crédit Mortgage and Credit Brokerage Credit brokerage service comparing and arranging mortgage and other loan offers from a network of partner banks (BNP Paribas, Société Générale, Crédit Mutuel, CIC, LCL, Crédit Foncier, BRED, GE Money Bank, BPI, Caisse d'Épargne) for UPF clients and prospects.
- Financial Investments (Assurance-Vie, PEA, PER, Structured Products, Private Equity) Curated financial investment solutions spanning life insurance and capitalisation contracts (assurance-vie), equity savings plans (PEA), retirement savings plans (PER, PEE, PERCO), structured products (with providers such as ODDO and SwissLife), and private equity opportunities (Skytech, Biolog-id, Powidian, ALZPROTECT) sourced via UPF's partner network.
- Real Estate Investment Programs (Pinel, Malraux, LMNP/LMP, Viager) Specialized real estate investment programs for tax efficiency and yield, including Pinel/Pinel+, Malraux/Monument Historique, furnished rentals (LMNP/LMP), and viager (lifetime annuity) products.
- Tax Reduction and Optimization Tax optimization strategies including investments in forests, real estate-based tax reduction schemes, and IFI (Wealth Tax on Real Estate) planning for affluent individuals and families.
- Heritage Protection and Transmission Heritage protection and estate transmission services including life insurance co-adhesion, matrimonial regime planning, donations, démembrement (ownership splitting), and broader estate planning.
- Business Owner Solutions (Chef d'Entreprise) Integrated wealth advisory for business owners covering company status optimization (SARL, SAS, SA), prévoyance (welfare/protection), corporate treasury management, end-of-career indemnity contracts (IFC-IL), and business sale/succession planning including Dutreil structures.
- Complementary Income Planning (UPF Pyramid) Complementary income planning service that uses the UPF Pyramid methodology to structure retirement and supplementary income from various financial, real estate, and tax-advantaged assets.
- UPF Assurance Insurance Brokerage Insurance brokerage and product placement across life insurance, capitalisation, and protection products from multiple partner insurers including Generali, Swiss Life, Aviva, Allianz, Primonial, Nortia, Cardif, and Generali Vie.
Quantifiable outcome
- Over 2,500 families accompanied in wealth structuring, optimization, and transmission
- +1 more outcomes
Companies that use UPF
Customer profileNamed customers2 records
Segments4 records
Ideal customer profiles4 records
UPF technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature1 record
UPF partnerships and signals
Strategic signalPartnerships
17 partnerships are on record, tiered core and minor.
- ODDO BHFcoreODDO BHF Asset Management is a key strategic partner of UPF, providing fund management solutions and investment products. Mathieu Minaud of ODDO BHF spoke at UPF's conference with Alain Juillet in September 2025. UPF distributes ODDO Avenir funds and structured products linked to gold. The firm is listed as a commercial relationship under AMF disclosure requirements.
- Gay-Lussac Gestion (ONYX solution)coreGay-Lussac Gestion, represented by Joël Mergui, presented the ONYX investment solution at UPF's September 2025 conference. ONYX is offered as part of UPF's diversified product shelf to clients seeking performance-oriented investment management.
- La Financière de l'EchiquiercoreLa Financière de l'Echiquier manages the Echiquier Artificial Intelligence and Echiquier Positive Impact Europe funds distributed by UPF. Rolando Grandi, fund manager, has appeared in UPF video content. Listed as a commercial partner under AMF disclosure requirements.
- Swiss LifecoreSwiss Life is a key insurance partner providing life insurance and capitalisation products distributed by UPF. A SwissLife structured product (Renault-linked) yielding 13% was offered to UPF clients in early 2026.
- Carmignac GestioncoreCarmignac Gestion is listed as a commercial relationship under AMF disclosure requirements. UPF distributes Carmignac fund products as part of its investment shelf.
- JPMorgan Asset ManagementcoreJPMorgan AM is listed as a commercial partner under AMF disclosure requirements. UPF distributes JPMorgan fund products as part of its investment shelf.
- Franklin TempletoncoreFranklin Templeton is listed as a commercial partner under AMF disclosure requirements. UPF distributes Franklin Templeton fund products as part of its investment shelf.
- LCF RothschildcoreLCF Rothschild (Rothschild & Co) is listed as a commercial partner under AMF disclosure requirements. UPF offers Rothschild wealth management mandates to clients in a favorable tax framework.
- Edmond de Rothschild GestioncoreEdmond de Rothschild Gestion presented investment convictions at UPF's 20th anniversary event in 2022. The firm is a key strategic partner providing investment management expertise shared with UPF's client base.
- Xerys InvestcoreXerys Invest was a partner at UPF's 20th anniversary in 2022, presenting investment solutions. Xerys is a private equity firm whose portfolio company Biolog-id was listed on NASDAQ with UPF's client investment support.
- Pictet Asset ManagementcorePictet AM is listed as a partner providing fund selection for UPF clients. UPF features Pictet's Global Environmental Opportunities (GEO) fund in its investment recommendations.
- Generali, Aviva, Allianz, Primonial, and other insurerscoreUPF is registered as an insurance broker with ORIAS and distributes products from multiple insurers including Generali, Swiss Life, Aviva, Allianz, Primonial, Nortia, Cardif, and Generali Vie. These relationships enable a broad product shelf for life insurance and capitalisation.
- BNP Paribas, Société Générale, Crédit Mutuel, CIC, LCL, and other bankscoreUPF's credit brokerage service works with a network of partner banks including BNP Paribas, Société Générale, Crédit Mutuel, CIC, LCL, Crédit Foncier, BRED, GE Money Bank, BPI, and Caisse d'Épargne for mortgage and credit facilitation.
- Biolog-idminorBiolog-id is a portfolio company of Xerys that UPF clients invested in. Biolog-id became the first Xerys company listed on NASDAQ through a merger with Genesis Growth Tech Acquisition Corp. UPF highlighted this as a success story for private equity investors.
- SKYTECHminorSKYTECH, a company specializing in regenerated plastic production, was introduced to UPF clients as a private equity investment opportunity. After inaugurating its Normandy site at Val d'Hazey in May 2022, SKYTECH pursued Euronext Growth Paris listing with AMF approval. UPF accompanied the company's IPO journey and shared the CEO interview.
- POWIDIANminorPOWIDIAN is presented by UPF as a pioneering company in hydrogen technology for ecological transition. UPF clients can invest in this company through private equity, supporting sustainable technology development.
- ALZPROTECTminorALZPROTECT is a biotech company featured in UPF's private equity investment presentations. UPF showcases this investment opportunity to clients seeking non-correlated, high-potential returns in healthcare innovation.
Scale indicators6 records
Recent moves8 records
Expansion highlights6 records
UPF competitors and assessment
Company assessmentEmerging players
- Nalo: Nalo is a French digital wealth manager/robo-advisor offering automated portfolio management with life insurance wrappers — competing with UPF for the same affluent French retail client with a tech-led, lower-cost delivery model rather than human advisory.
- Linxea: Linxea is a French online savings and assurance-vie distributor offering wrappers and unit-linked contracts to affluent retail savers — competes in the same assurance-vie/capitalisation placement segment that drives significant commission revenue at UPF.
- Lucya: Lucya is a French online life insurance and wealth advisory platform offering assurance-vie contracts and managed mandates to HNW retail — overlapping UPF's assurance-vie distribution and credit/insurance brokerage with a primarily digital go-to-market.
Broad incumbents
- Lazard Frères Gestion: Lazard is a global advisory and asset management firm with a sizeable French private wealth and gestion privée arm serving HNW/UHNW clients — overlapping UPF's family wealth advisory and multi-product offering, but as part of a broader investment-banking portfolio.
- Edmond de Rothschild: Edmond de Rothschild is a Swiss/French private bank and asset manager serving UHNW and family-office clients with discretionary mandates, advisory, and wealth planning — overlaps with UPF's HNW family wealth proposition but at a significantly higher AUM and UHNW tier.
- BNP Paribas Wealth Management: BNP Paribas Wealth Management is the largest private bank in France and a core UPF credit-brokerage partner — competing for the same business-owner/entrepreneurial HNW segment in France with the scale advantages of a universal bank.
- Indosuez Wealth Management: Indosuez is the Crédit Agricole group's wealth management arm serving French and European HNW/UHNW families with advisory, asset management, and structured products — competes in the same discretionary and advisory mandates UPF targets, with deeper institutional infrastructure.
Direct peers
- Primonial Ingénierie Patrimoniale: Primonial is one of France's largest independent wealth management groups offering financial engineering, asset management, and advisory across assurance-vie, real estate, and pensions — comparable to UPF in serving HNW French clients with a multi-product, fee-based advisory approach.
- Netinvestissement: Netinvestissement is a French independent wealth advisory network/media platform that provides CGP advisory, product comparison, and content to HNW retail clients — directly comparable to UPF in target segment, French CGP value proposition, and cross-product placements.
- Cyrus: Cyrus is a leading French independent wealth management and family office group with multi-disciplinary advisory (financial, real estate, tax, corporate) — closely mirroring UPF's one-stop-shop, fee-and-commission revenue model serving HNW individuals and business owners in France.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
UPF social profiles
Digital presenceUPF compliance and trust
Trust signalCompliance6 records
UPF financial estimates
Financial estimateRevenue estimate
Valuation estimate
UPF leadership team
Management profileNumber of profiles
Profiles15 records
UPF subsidiaries and ownership
Company hierarchySubsidiaries5 records
UPF funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
UPF 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 UPF
What does UPF do?
UPF Patrimoine is an independent French wealth management advisory firm providing personalized financial investment, real estate investment, tax optimization, credit brokerage, heritage protection, and business owner advisory services. The firm serves affluent individuals, families, entrepreneurs, business owners, liberal professionals, and high-level athletes across France from offices in Le Havre and Paris. Their offering encompasses assurance-vie, PEA, PER, private equity, structured products, real estate schemes (Pinel, Malraux, LMNP/LMP, viager), tax reduction strategies, credit brokerage, and estate planning, supported by their proprietary YourNumbers digital client portal.
Is UPF a public or private company?
UPF is a private company. It is classified as family owned and is currently operating.
When was UPF founded?
UPF was founded in 2002. It employs 1 to 10 people.
Where is UPF based?
UPF is headquartered in Le Havre, France, in the Europe region.
How does UPF make money?
Four revenue lines are on record. Financial Advisory and Wealth Management Fees are the primary driver. The others are insurance Brokerage Commissions, credit Broking and real Estate Transaction Fees.
Who are UPF's main competitors?
Emerging players on record are Nalo, Linxea and Lucya. Broad incumbents are Lazard Frères Gestion, Edmond de Rothschild, BNP Paribas Wealth Management and Indosuez Wealth Management. Direct peers are Primonial Ingénierie Patrimoniale, Netinvestissement and Cyrus.
Does UPF have an API?
No public API is recorded for UPF.
What industry is UPF in?
UPF's product category is Wealth Management Advisory. Its primary akta.pro industry code is FSAEABAC, Private Banking & UHNW Wealth Advisory, with a secondary code of FSAAADAC, Family Office Advisory & Outsourced CIO (OCIO). Its NAICS code is 523940 and its SIC code is 6282.