Institut du Patrimoine

What Institut du Patrimoine does

Institut du Patrimoine is an independent French wealth management advisory firm headquartered in Paris at 41 Rue de Prony, operating as a subsidiary of Groupe Patrimmofi. Founded in 2005, the firm serves private clients across France through a six-step advisory methodology spanning patrimonial discovery, diagnosis, personalized strategy, solution identification, product research, and subscription supervision. The client base is segmented into HNW families (financial assets >€250K, primary segment), UHNW families (>€3M), small savers, and business owners/liberal professionals, with regional advisors covering Île-de-France, Nord de la France, Rhône-Alpes, Normandie, and Picardie.

The firm's service portfolio is organized into seven areas: Gestion de patrimoine (core wealth engineering), Gestion privée (>€250K tier), Gestion de fortune (>€3M tier), Gestion d'actifs (asset allocation including ESG), Immobilier patrimonial (heritage real estate including SCPI and club deals), Assurance et prévoyance, and Œuvre d'Art (art investment). Underlying the advisory practice is a proprietary real-time consolidated wealth reporting platform that provides clients with a unified view across financial, real estate, and professional assets. The firm does not disclose algorithmic or AI-driven capabilities; its differentiation rests on human advisory expertise, regulatory credentials, and partner-network depth.

Institut du Patrimoine is regulated by the AMF (via ANACOFI-CIF, n° E001595) and ACPR, registered with ORIAS (n° 08045723) for CIF, insurance brokerage (category B), and banking operations, and holds a real estate transaction card (CPI 7501 2016 000 009 584). Revenue is generated primarily through commission retrocessions from financial product providers (up to 9% subscription, up to 1% management), insurance partners (up to 5% subscription, up to 1% management, up to 2% arbitration), banking partners (up to 1% financing), and real estate partners (up to 10% referral). Secondary revenue streams include subscription tiers (Premium €360, Titane €1,440, Elite €4,200), hourly consulting (€190/hour), fixed-fee audits (€2,000), and a 5% transaction fee on intermediated real estate sales. The firm distributes through 25+ channel partnerships with Tier-1 French institutions including Primonial, Spirica, Cardif, Generali, Edmond de Rothschild, SwissLife, La Financière de l'Echiquier, Icade, Pichet, and Altarea. Group-level scale includes €3.5B in AUM, €355M in annual fund inflows, 120 professionals, and a 30% year-over-year AUM growth rate.

Name

Institut du Patrimoine

Legal name

Institut du Patrimoine

Website

https://institut-patrimoine.com

Company type

Private

Founded year

2005

Operating status

Operating

Headcount range

11–50 employees

Short description

Institut du Patrimoine is an independent French wealth management advisory firm, serving HNW (>€250K), UHNW (>€3M), small savers, and business owners across France with a six-step advisory methodology, operating under the Groupe Patrimmofi umbrella.

Ownership category

akta.pro rank

Product category

Wealth Management Advisory

NAICS

Portfolio Management and Investment Advice (52394), Portfolio Management and Investment Advice (523940), Miscellaneous Intermediation (52391)

SIC

Investment Advice (6282)

akta.pro primary industry

Comprehensive/Full-Service RIAs & Independent Wealth Managers (FSAAACAA)

akta.pro secondary industries

Registered Investment Advisor (RIA) Wealth Management (FSAEABAA), Insurance-Integrated Wealth Managers (RIA + Insurance Solutions) (FSAAACAI), Family Office Advisory & Outsourced CIO (OCIO) (FSAAADAC)

Keywords

• Wealth management advisory
• Financial investment advisory
• Estate planning services
• Private banking advisory
• Real estate investment consulting

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Commission retrocessions from financial organisms: Institut du Patrimoine receives retrocessions on subscription fees (up to 9% of invested amount) and management fees (up to 1% of existing assets under management at end of reference period) from financial product providers including Primonial Partenaires, Spirica, Cardif, Alpheys partenaires, Generali, La Financière de l'Echiquier, and Gresham Banque.
2. Commission retrocessions from insurance organisms: Retrocessions on subscription fees (up to 5%), management fees (up to 1% of assets under management), and arbitration fees (up to 2% of arbitrated amount) from insurance partners including Edmond De Rothschild Assurances, Nortia Life, UAF Life, Cardif Lux Vie, Oradea Vie, Suravenir, and SwissLife.
3. Commission retrocessions from banking organisms: Retrocessions on financing (up to 1% of financed amount) from banking and payment partners.
4. Commission retrocessions from real estate partners: Retrocessions on referral commissions (up to 10% of invested amount) from real estate partners including Catella, LB2S Asset Management, Fidexi, Icade Promotion, Coffim, Capelli, Ogic, Nafilyan & Partners, Pichet, Kacius, Altarea Partenaires, AM Patrimoine, Angelys Group, and Crystal Group.
5. Professional service fees and subscriptions: Fee-based consulting including hourly consultations (190€/hour), full heritage audits (2,000€ + 1,000€ for complementary objectives), retirement balance (1,500€), estate planning (1,000€), stock-options/RSU study (500€), capital gains calculations (2,000€), real estate capital gains (600€), and operational consulting (750€). Subscription tiers: Premium at 360€, Titane at 1,440€, and Elite at 4,200€.
6. Real estate transaction fees: 5% fee on the sale price of real estate assets when the firm acts as an intermediary in property transactions.

Pricing tiers

Go-to-market motion2 records

Distribution channels1 record

Marketing channels5 records

Core offering

Institut du Patrimoine is an independent wealth management advisory firm serving high-net-worth individuals and families across France. It delivers personalized wealth strategies spanning financial investments, real estate, insurance, art, tax optimization, and estate transmission through a structured 6-step advisory methodology. The firm operates without affiliation to any bank or insurer, distributing products and solutions through a curated network of institutional partners.

Product overview

Institut du Patrimoine offers a comprehensive suite of wealth management services organized as a multi-tiered advisory platform. The core offering includes Gestion de patrimoine (wealth management), supplemented by specialized services: Gestion privée (private management for assets over 250K€), Gestion de fortune (fortune management for assets over 3M€), Gestion d'actifs (asset management), Immobilier patrimonial (heritage real estate), Assurance et prévoyance (insurance), and Œuvre d'Art (art investment). The company also provides digital reporting and real-time analysis tools to support client portfolio visibility. Services are accessed through a structured 6-step accompaniment process and are offered independently without ties to any financial institution, positioning the firm as an independent wealth management advisor within the Patrimmofi Group.

Differentiator

Problem solved

Functional benefit

Products and services

• Gestion de patrimoine Comprehensive wealth management service including Patrimonial Engineering (analysis of personal, professional and wealth situation), financial investments (funds, structured products, private equity, bonds, shares), real estate investment, financing strategies, and tax optimization for inheritance transmission. Designed for clients seeking integrated, multi-asset wealth advisory.
• Gestion privée Private wealth management for families with financial assets exceeding €250,000, offering customized strategies, diversified investments (funds, insurance, private equity, structured products), tax optimization, and regular follow-up with dedicated advisors.
• Gestion de fortune Ultra-personalized fortune management for families with financial assets exceeding €3 million, featuring exclusive investment solutions (specific funds, club deals, private equity, real assets), complex wealth structuring (holdings, trusts, family office), and cross-border estate planning.
• Gestion d'actifs Asset management service providing strategic allocation based on risk profiles, financial product selection (investment funds, bonds, structured products), socially responsible investing (ESG criteria), and continuous performance monitoring and reporting.
• Immobilier patrimonial Heritage real estate service including investment strategy aligned with wealth and tax objectives, access to exceptional properties, SCPI and club deals, optimized financing structures, and proactive property management.
• Assurance et prévoyance Insurance and provident services for executives and liberal professionals, including social protection, insurance contract optimization (life insurance, retirement, provident), and structuring for inheritance and beneficiary protection.
• Œuvre d'Art Art investment and diversification service, including acquisition of artworks as heritage assets, tax structuring for ownership and transmission, access to expert network, galleries and auction houses, and art preservation management.

Quantifiable outcome

• 3.5 billion euros in assets under management, growing at 30% per year
• +3 more outcomes

Named customers7 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

25 partnerships are on record, tiered core and minor.

• Primonial PartenairescoreChannel Partner/ Reseller/ DistributorPrimonial Partenaires serves as both a financial organism partner (distribution of investment products) and a real estate partner under convention de distribution and convention de partenariat agreements. Institut du Patrimoine receives retrocessions on subscription fees (up to 9%) and management fees (up to 1%) from Primonial Partenaires.
• SpiricacoreChannel Partner/ Reseller/ DistributorSpirica is a financial organism partner offering savings and investment products. Institut du Patrimoine earns retrocessions on subscription and management fees for Spirica products distributed to clients.
• CardifcoreChannel Partner/ Reseller/ DistributorCardif operates as both a financial organism and insurance partner, providing credit protection, life insurance, and investment products. Institut du Patrimoine receives retrocessions from Cardif on subscription and management fees.
• Alpheys PartenairesminorChannel Partner/ Reseller/ DistributorAlpheys Partenaires is a financial partner providing investment and savings solutions, with which Institut du Patrimoine has a distribution convention.
• GeneralicoreChannel Partner/ Reseller/ DistributorGenerali is an insurance organism partner. Institut du Patrimoine acts as a broker (courtier) placing insurance products, earning retrocessions on subscription and management fees.
• Edmond de Rothschild Assurances et ConseilscoreChannel Partner/ Reseller/ DistributorEdmond de Rothschild Assurances et Conseils is a premium insurance partner providing high-end wealth insurance solutions. Institut du Patrimoine earns retrocessions on insurance products placed through this partner.
• Nortia LifecoreChannel Partner/ Reseller/ DistributorNortia Life is an insurance organism specializing in life insurance and wealth management products, with a brokerage agreement providing Institut du Patrimoine retrocessions on subscription and management fees.
• SuravenircoreChannel Partner/ Reseller/ DistributorSuravenir is an insurance partner specializing in retirement and savings insurance products. Institut du Patrimoine receives retrocessions on fees for Suravenir insurance products.
• SwissLifecoreChannel Partner/ Reseller/ DistributorSwissLife is a premium insurance partner providing life insurance and wealth management solutions. Institut du Patrimoine earns retrocessions on SwissLife insurance products distributed to clients.
• La Financière de l'EchiquiercoreChannel Partner/ Reseller/ DistributorLa Financière de l'Echiquier is a financial management partner providing investment fund solutions. Institut du Patrimoine distributes these funds and earns retrocessions on subscription and management fees.
• Gresham BanqueminorChannel Partner/ Reseller/ DistributorGresham Banque is a banking partner providing financial products and services. Institut du Patrimoine receives retrocessions on financing operations through Gresham Banque.
• CatellacoreChannel Partner/ Reseller/ DistributorCatella is a real estate partner providing access to real estate investment products and services. Institut du Patrimoine receives retrocessions on referral commissions from Catella for real estate investments brought to clients.
• Icade PromotioncoreChannel Partner/ Reseller/ DistributorIcade Promotion is a major real estate development partner offering investment opportunities in new-build properties. Institut du Patrimoine earns referral commissions on Icade Promotion projects introduced to clients.
• CoffimminorChannel Partner/ Reseller/ DistributorCoffim is a real estate partner providing property investment opportunities. Institut du Patrimoine receives referral commissions on investments sourced through Coffim.
• CapelliminorChannel Partner/ Reseller/ DistributorCapelli is a real estate development partner. Institut du Patrimoine earns referral commissions on Capelli properties introduced to clients under a partnership convention.
• PichetcoreChannel Partner/ Reseller/ DistributorPichet is a well-known French real estate developer and property investment partner. Institut du Patrimoine receives referral commissions on Pichet investment properties sourced for clients.
• Nafilyan & PartnersminorChannel Partner/ Reseller/ DistributorNafilyan & Partners is a real estate partner providing property investment opportunities. Institut du Patrimoine earns referral commissions on investments sourced through this partner.
• Altarea PartenairescoreChannel Partner/ Reseller/ DistributorAltarea Partenaires is a major real estate partner offering a range of property investment solutions. Institut du Patrimoine earns referral commissions on real estate transactions through Altarea Partenaires.
• LB2S Asset ManagementminorChannel Partner/ Reseller/ DistributorLB2S Asset Management is a financial partner providing asset management solutions. Institut du Patrimoine distributes LB2S products and earns retrocessions on management and subscription fees.
• FideximinorChannel Partner/ Reseller/ DistributorFidexi is a real estate partner providing investment property solutions. Institut du Patrimoine receives referral commissions on Fidexi property investments introduced to clients.
• OgicminorChannel Partner/ Reseller/ DistributorOgic is a real estate development partner. Institut du Patrimoine earns referral commissions on Ogic real estate investments placed with clients.
• KaciusminorChannel Partner/ Reseller/ DistributorKacius is a real estate partner providing property investment opportunities. Institut du Patrimoine receives referral commissions on Kacius investments sourced for clients.
• AM PatrimoineminorChannel Partner/ Reseller/ DistributorAM Patrimoine is a real estate partner. Institut du Patrimoine earns referral commissions on real estate investments sourced through AM Patrimoine.
• Angelys GroupminorChannel Partner/ Reseller/ DistributorAngelys Group is a real estate partner providing property investment solutions. Institut du Patrimoine receives referral commissions on Angelys Group investments introduced to clients.
• Crystal GroupminorChannel Partner/ Reseller/ DistributorCrystal Group is a real estate partner providing property investment opportunities. Institut du Patrimoine earns referral commissions on Crystal Group real estate investments.

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Emerging players

• Nalo: French digital wealth management platform offering automated, goal-based portfolio management for mass-affluent and HNW clients; an emerging alternative that competes for the lower-tier client base through lower-fee, technology-driven advisory.
• Ramify: French WealthTech offering private investment access (private equity, real estate, structured products) and wealth advisory via a digital platform; competes for HNW clients seeking access to alternative assets through a lighter, more scalable model.

Direct peers

• Crystal Finance: Independent French wealth advisory network aggregating regional advisors under a national brand; directly comparable multi-advisor independent distribution model serving mass-affluent to HNW clients, and an existing business partner referenced in the data.
• Cyrus Conseil: Paris-based independent wealth management and family office advisory firm serving HNW/UHNW clients across France with a comparable multi-advisor regional model, independent product access, and similar Gestion de Patrimoine / Gestion Privée / Gestion de Fortune segmentation.
• Éres (Fidéo Éres): French independent advisory firm offering wealth engineering, financial investment, real estate, and insurance solutions to entrepreneurs and executives; directly comparable in independent positioning, fee structure, and target clientele.

Broad incumbents

• BNP Paribas Wealth Management: Private banking arm of BNP Paribas serving French and international HNW/UHNW clients; competes for the same client base but as part of a much broader banking, custody, and asset management franchise rather than as an independent specialist.
• Lazard Frères Banque: French private banking and asset management arm of Lazard providing wealth advisory and discretionary management to HNW/UHNW clients; comparable at the UHNW tier but bundled within a broader investment banking franchise.
• Rothschild & Co Wealth & Asset Management: Global wealth and asset management arm of the Rothschild group offering advisory, family office, and discretionary management to UHNW families; overlaps at the >€3M Gestion de Fortune tier but operates at significantly larger scale internationally.
• Société Générale Private Banking: Private banking division of Société Générale providing wealth advisory, financial engineering, and investment solutions to HNW clients in France and internationally; a broader incumbent counterpart rather than a specialized independent advisor.
• BPE (Banque Privée d'Escompte): French private bank focused on HNW clientele offering wealth advisory, financing, and investment solutions; overlaps in the private wealth management segment within a banking structure rather than as an independent advisor.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/ippatrimoine

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 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 Institut du Patrimoine