H&D Patrimoine
H&D Patrimoine is a founder-led French wealth management advisory firm founded in 2020, offering personalized retirement, tax optimization, real estate, and estate planning services to individual and small-business clients across metropolitan France and DOM-TOM, distributed through a network of 60+ financial product partners.
- Company typePrivate
- Founded2020
- HeadquartersParis, France
- Headcount11–50
- GTM typeB2C
- OfferingServices
What H&D Patrimoine does
H&D Patrimoine is a privately held French wealth management advisory firm founded in 2020 by Christophe Denoyelle and Samy Halilou, both former managers at Solyda France. Structured as a SARL Unipersonnelle and headquartered at 149 Avenue du Maine in Paris (14th arrondissement), the firm serves individual and small-business clients across metropolitan France and the French overseas territories (DOM-TOM). The company reports managing over €35 million in client assets with a client base of 1,000+ and a 95% recommendation rate.
The firm's product offering spans four primary domains: retirement planning (income projections and Plan Épargne Retraite), tax optimization (SCI structures, Girardin Industriel, Loi Malraux, Monuments Historiques), real estate investment (LMNP, direct property, Nue-Propriété opportunities), and estate/succession planning (Assurance Vie, succession cost estimation). Distribution is enabled through a partner ecosystem of more than 60 financial product providers including Swiss Life, Rothschild & Co, Corum, Groupama, and Kaufman & Broad. The firm uses a free personalized wealth audit as its primary customer acquisition touchpoint, supported by SEO/content marketing, Google reviews (143 Excellent-rated), LinkedIn presence, and Calendly online booking.
H&D Patrimoine operates a traditional advisory model with no proprietary technology platform disclosed. Revenue derives from advisory fees and product commissions across insurance, real estate investment, and tax-advantaged vehicles. The firm is entirely founder-owned with no institutional investment, funding rounds, or M&A activity disclosed. Service delivery is highly personalized, with named advisors (Sacha, Dyhia, Clovis, and the founders) serving as the primary client relationship layer, making advisor capacity the principal operational scaling constraint.
H&D Patrimoine firmographics
Firmographics- Name
- H&D Patrimoine
- Legal name
- H&D Patrimoine
- Website
- https://hdpatrimoine.fr
- Company type
- Private
- Founded year
- 2020
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- H&D Patrimoine is a founder-led French wealth management advisory firm founded in 2020, offering personalized retirement, tax optimization, real estate, and estate planning services to individual and small-business clients across metropolitan France and DOM-TOM, distributed through a network of 60+ financial product partners.
- Ownership category
- akta.pro rank
H&D Patrimoine industry classification
Industry- Product category
- Wealth Management Advisory
- NAICS
- Portfolio Management and Investment Advice (523940), Trusts, Estates, and Agency Accounts (52592)
- SIC
- Investment Advice (6282)
- akta.pro primary industry
- Private Client/High-Net-Worth Advisory (FSAEAAAN)
- akta.pro secondary industries
- Private Wealth Planning (Tax, Estate & Succession) (FSAAABAE), Family Wealth & Multi-Generational Planning RIAs (HNW/UHNW-lite) (FSAAACAH)
Keywords
Where H&D Patrimoine is headquartered
LocationHeadquarters
- HQ city
- Paris
- HQ country
- France
- HQ region
- Europe
Offices1 record
Markets served
H&D Patrimoine business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Financial Advisory and Wealth Management Services: H&D Patrimoine generates revenue through financial advisory fees for wealth management services including retirement planning, tax optimization, real estate investment advisory, estate planning, and insurance products. The company emphasizes a 'low-fee' policy on contracts, suggesting fee-based or commission-based revenue from financial product distribution.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | Free personalized financial audit as initial consultation |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels4 records
H&D Patrimoine product offering
Product offeringCore offering
H&D Patrimoine is a Paris-based wealth management advisory firm that provides personalized financial planning and investment guidance to French individuals and families. Its core offering centers on a free personalized wealth audit followed by advisory services covering retirement planning, tax optimization (PER, Girardin Industriel, Loi Malraux, Monuments Historiques), real estate investment (SCI, LMNP, Nue-Propriété, direct property), capital growth (Assurance Vie), and estate/succession planning, executed through a network of more than 60 partner financial product providers.
Product overview
H&D Patrimoine is a wealth management advisory firm offering a comprehensive suite of financial planning and investment services. The core offering consists of retirement planning products (retirement income projections and PER savings plans), real estate investment solutions (SCI structures, LMNP furnished rentals, direct property investment), tax optimization vehicles (Girardin Industriel, Loi Malraux, Monuments Historiques), and estate planning services (succession cost estimation, life insurance). The company also provides personalized wealth audits and access to exclusive investment opportunities. The portfolio includes advisory services for Nue-Propriété investments, insurance (life insurance, loan insurance, mutual/provident insurance), and general financial guidance, all supported by a network of over 60 partner financial institutions. The business model emphasizes low-fee contracts and personalized client service delivered by founding partners Christophe Denoyelle and Samy Halilou.
Differentiator
Problem solved
Functional benefit
Products and services
- Connaître son revenu à la retraite (Retirement Income Projection) A retirement income projection service that provides personalized projections of future retirement income based on the client's financial situation, with a tailored retirement plan to give peace of mind. Targeted at French individuals and families planning retirement.
- Plan Épargne Retraite (PER)
- La Société Civile Immobilière (SCI)
- Girardin Industriel
- Loi Malraux
- Monuments Historiques
- Loueur Meublé Non Professionnel (LMNP)
- Assurance Vie
- Estimer mes frais de succession (Succession Cost Estimation)
- Investir dans l'immobilier (Real Estate Investment Advisory)
- Audit personnalisé (Personalized Wealth Audit)
- Opportunités d'investissement (Exclusive Investment Opportunities)
Quantifiable outcome
- 35M+ in total assets managed
- +2 more outcomes
Companies that use H&D Patrimoine
Customer profileNamed customers9 records
Segments1 record
Ideal customer profiles1 record
H&D Patrimoine technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
H&D Patrimoine partnerships and signals
Strategic signalPartnerships
Eight partnerships are on record, tiered core and minor.
- Swiss LifecoreInsurance and wealth management partner providing life insurance and prévoyance products distributed through H&D Patrimoine advisory services
- Rothschild & CocorePrestigious financial institution partner for wealth management and investment products
- CorumcoreReal estate investment company providing SCPI and investment property products
- GroupamacoreInsurance group partner providing insurance and prévoyance products
- Kaufman & BroadminorReal estate developer partner for new property investments
- H&P (Habitation et Patrimoine)minorReal estate and heritage management partner
- François 1erminorFinancial services partner, brand identity not fully disclosed in source
- ColocatèreminorReal estate investment partner for rental property investments
Scale indicators6 records
Recent moves5 records
Expansion highlights4 records
H&D Patrimoine competitors and assessment
Company assessmentDirect peers
- Nalo: France-based online wealth management/advisory platform providing portfolio management and life-insurance wrappers to individuals. Comparable in target customer (French retail HNW) and retirement/wealth-planning proposition, though more digitally native than H&D Patrimoine.
- Magnifica Patrimoine: Independent French wealth management advisory firm offering retirement, tax optimisation (PER, Girardin, Malraux), and estate planning. Closely comparable niche product set and founder-led advisory motion to H&D Patrimoine.
- Linxea: Leading French online life-insurance and savings-product broker/distributor for individual investors. Comparable distribution model (low-cost intermediary curating partner products) and overlap with H&D Patrimoine on assurance vie and savings advisory.
- Lucya Cardif: French wealth advisory firm (backed by BNP Paribas Cardif) providing personalised financial planning, tax optimisation, and life-insurance advisory to individuals. Comparable customer profile and product breadth (assurance vie, PER, real estate).
- Ramify: French wealth advisory and asset management firm offering personalised investment and tax-optimisation advisory to individuals and families. Comparable to H&D Patrimoine on customer base, advisory-led distribution, and focus on private wealth in France.
Broad incumbents
- Boursorama Banque: Major French online bank and brokerage serving retail investors with savings, brokerage, and life-insurance products. Overlaps with H&D Patrimoine on retail wealth distribution and assurance vie but as part of a much broader retail-banking portfolio.
- Rothschild & Co (Private Wealth): Global private banking and wealth management group; also a partner of H&D Patrimoine. Comparable wealth-management proposition at the UHNW end, far larger scale, and serves as both a competitor and a product partner to H&D Patrimoine.
- Fortuneo Banque: French online bank offering brokerage, savings, and life-insurance to retail clients. Comparable distribution channel and assurance vie offering but with broader banking services and lower personal advisory intensity than H&D Patrimoine.
Emerging players
- Yomoni: French robo-advisor and life-insurance wrapper manager for retail/HNW individuals. Comparable target market and life-insurance savings offering; competes with H&D Patrimoine primarily through lower-cost digital delivery rather than full-service advisory.
Others
- Swiss Life France: Major French life-insurance and wealth-management insurer and a stated H&D Patrimoine partner. Comparable product offerings (assurance vie, prévoyance, retirement) but operates as a product manufacturer rather than an independent advisor like H&D Patrimoine.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
H&D Patrimoine social profiles
Digital presenceH&D Patrimoine financial estimates
Financial estimateRevenue estimate
Valuation estimate
H&D Patrimoine leadership team
Management profileNumber of profiles
Profiles2 records
H&D Patrimoine funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
H&D Patrimoine 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 H&D Patrimoine
What does H&D Patrimoine do?
H&D Patrimoine is a Paris-based wealth management advisory firm that provides personalized financial planning and investment guidance to French individuals and families. Its core offering centers on a free personalized wealth audit followed by advisory services covering retirement planning, tax optimization (PER, Girardin Industriel, Loi Malraux, Monuments Historiques), real estate investment (SCI, LMNP, Nue-Propriété, direct property), capital growth (Assurance Vie), and estate/succession planning, executed through a network of more than 60 partner financial product providers.
Is H&D Patrimoine a public or private company?
H&D Patrimoine is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was H&D Patrimoine founded?
H&D Patrimoine was founded in 2020. It employs 11 to 50 people.
Where is H&D Patrimoine based?
H&D Patrimoine is headquartered in Paris, France, in the Europe region.
How does H&D Patrimoine make money?
One revenue line is on record: financial Advisory and Wealth Management Services.
Who are H&D Patrimoine's main competitors?
Direct peers on record are Nalo, Magnifica Patrimoine, Linxea, Lucya Cardif and Ramify. Broad incumbents are Boursorama Banque, Rothschild & Co (Private Wealth) and Fortuneo Banque. Yomoni is listed as an emerging player. Swiss Life France is listed as an others.
Does H&D Patrimoine have an API?
No public API is recorded for H&D Patrimoine.
What industry is H&D Patrimoine in?
H&D Patrimoine's product category is Wealth Management Advisory. Its primary akta.pro industry code is FSAEAAAN, Private Client/High-Net-Worth Advisory, with a secondary code of FSAAABAE, Private Wealth Planning (Tax, Estate & Succession). Its NAICS code is 523940 and its SIC code is 6282.