Eria Patrimoine

What Eria Patrimoine does

Eria Patrimoine is an independent French wealth management advisory firm (courtier indépendant en gestion de patrimoine) founded in 2007 in Bordeaux, structured as a SARL and operating from its Pessac headquarters with a secondary registered office in Mérignac. The firm serves three client segments — particuliers (individuals), professionnels (self-employed professionals and TNS), and entreprises (businesses) — delivering tax optimization, retirement planning, wealth transmission, social protection, corporate treasury management, employee savings, and business succession advisory through a structured five-step engagement process from discovery meeting through ongoing follow-up.\n\nThe core product offering spans financial investment advisory (life insurance wrappers, PEA, structured products), real estate investment advisory (SCPI, SCI, LMNP, Malraux, nue-propriété), and corporate solutions (collective health, social liability management, employee savings schemes). The firm extends its product surface through a proprietary dedicated ESG fund (INFLUENCE ALLOCATION PRIVILEGE) co-developed with Montaigne Capital, and operates a multi-partner brokerage model accessing 30+ insurance, asset management, and real estate partners including Generali, Swiss Life, Amundi, Edmond de Rothschild, Corum, Primonial, and Novaxia.\n\nThe revenue model combines fee-based advisory (engagement letter pricing for patrimonial audits, recurring subscriptions up to family-office level) with brokerage commissions and retrocessions from product partners, disclosed transparently to clients. Distribution is sales-led and relationship-driven, concentrated in the Nouvelle-Aquitaine region (Bordeaux, Gironde, Landes, Pays-Basque) with national advisory reach, supported by content marketing, client events, and local sponsorship. Following the 2024 acquisition of Garonne Conseil and a wave of senior advisor and partner hires, the firm now operates with 7 wealth management advisors and 3 commercial assistants, maintaining full French regulatory standing under AMF, ORIAS, ACPR, Carte T, and CNCGP.

Name

Eria Patrimoine

Legal name

SARL ERIA PATRIMOINE

Website

https://eriapatrimoine.fr

Company type

Private

Founded year

2007

Operating status

Operating

Headcount range

1–10 employees

Short description

Eria Patrimoine is an independent French wealth management advisory firm founded in 2007 in Bordeaux, serving individuals, self-employed professionals, and businesses across France with tax optimization, retirement planning, real estate advisory, and corporate treasury services through a multi-partner brokerage model.

Ownership category

akta.pro rank

Product category

Wealth Management Advisory

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro primary industry

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

Keywords

• Wealth management advisory
• Tax optimization services
• Retirement planning advisory
• Estate transmission planning
• Investment advisory services

Headquarters

HQ city

Pessac

HQ country

France

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Advisory Fees: Fee-based advisory services calculated on time spent and complexity of the engagement. Initial discovery meeting is complimentary. Audit and patrimonial study services are billed separately. Ongoing family office-style follow-up services available.
2. Brokerage Commissions: Commissions and retrocessions received from insurance partners, financial investment providers, and real estate partners when clients subscribe to products through the firm. The firm maintains objectivity and transparency regarding these commissions.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels5 records

Core offering

Eria Patrimoine is an independent wealth management advisor (courtier en gestion de patrimoine) providing financial investment advisory, real estate investment advisory, tax optimization, retirement planning, estate transmission, and corporate treasury services. The firm serves individuals, self-employed professionals, and businesses through access to over 30 partner institutions and a proprietary ESG dedicated fund. Initial discovery meetings are complimentary, with advisory fees billed based on time spent and engagement complexity.

Product overview

Eria Patrimoine is an independent wealth management firm (Courtier Indépendant en Gestion de Patrimoine) founded in 2007 in Bordeaux, offering a comprehensive platform of wealth management services across three client segments: individuals (particuliers), professionals (professionnels), and businesses (entreprises). The core offering includes financial investment advisory, real estate investment advisory, tax optimization, retirement planning, and heritage transmission planning. For professionals, services encompass income optimization, professional provident insurance (prévoyance), and key person insurance. For enterprises, the firm provides treasury management, collective health insurance, employee savings schemes, social liability management, and business succession advisory. The firm also offers proprietary investment solutions including the INFLUENCE ALLOCATION PRIVILEGE dedicated ESG fund developed with Montaigne Capital, as well as structured products. Eria Patrimoine operates as an independent broker with access to multiple insurance, banking, and financial partners through the ORIAS registration.

Differentiator

Problem solved

Functional benefit

Products and services

• Gestion de Patrimoine pour Particuliers Comprehensive wealth management services for individuals (particuliers) including tax optimization, retirement planning, real estate investment, heritage protection, and asset transmission. Targeted at private individuals in France.
• Gestion de Patrimoine pour Professionnels Wealth management services for self-employed professionals and business owners covering income optimization, social protection, revenue protection, and retirement strategy. Targeted at TNS, entrepreneurs, and liberal professions.
• Gestion de Patrimoine pour Entreprises Corporate wealth management services including treasury optimization, collective health and provident insurance, employee savings schemes, social liability management, and business succession planning. Targeted at companies from creation through transfer.
• Conseil en Investissement Financier Financial investment advisory services with access to a wide range of financial products and investment supports including insurance contracts, capitalisation contracts, and PEA accounts.
• Conseil en Investissement Immobilier Real estate investment advisory covering new and existing properties, property valuation and sales, and access to real estate networks for optimal investment conditions.
• Optimisation des Revenus Professionnels Advisory on professional income optimization including choice between individual business or company structure, analysis of salary versus dividends taxation, and social charge impacts.
• Prévoyance Professionnelle Professional provident insurance covering temporary work incapacity (ITT), disability, and death benefits to protect professionals and their families against unforeseen circumstances.
• Assurance Homme Clé et Homme Associés Key person and partner insurance protecting businesses against loss due to death or incapacity of essential associates or key employees, enabling surviving partners to buy out shares.
• Plan d'Epargne Retraite (PER) Retirement savings plan allowing tax deductions on contributions and capital availability upon retirement, with specific Madelin framework for independent professionals.
• Valorisation de Trésorerie d'Entreprise Corporate treasury management and investment advisory including money market funds, ETFs, bonds, SCPI, structured products, and professional specialized funds.
• Santé et Prévoyance Collective Group health insurance and provident coverage services for businesses, mandatory since 2016, including medical, hospitalization, optical, and dental care coverage.
• Epargne Salariale Employee savings schemes including participation, profit-sharing, and top-up contributions (abondement), with tax and social exemptions and PERCO retirement plans.
• Gestion du Passif Social Social liability management including retirement termination indemnities, redundancy indemnities, and insurance contracts for covering deferred social obligations.
• Cession et Transmission d'Entreprise Business succession and transfer advisory including family transfers, Dutreil regime, LBO transactions, and post-cession asset reorganization and investment strategies.
• Investissement Immobilier (SCI, LMNP, SCPI, Nue-Propriété) Real estate investment solutions including direct ownership, SCI, furnished rentals (LMNP/LMP), SCPI shares, bare ownership (nue-propriété), Malraux, Monument Historique, and deficit foncier schemes.
• Transmission de Patrimoine Heritage transmission planning including donations, SCI structures, life insurance, PER, SARL de Famille, and Dutreil Pact for optimizing succession and limiting inheritance taxes.
• INFLUENCE ALLOCATION PRIVILEGE (Fonds Dédié) Custom dedicated investment fund co-built with Montaigne Capital, classified as European Article 8 ESG, targeting 5% performance with SRI 3/7 risk rating and 5-year investment horizon. Available exclusively to Eria Patrimoine clients.

Quantifiable outcome

• 92% of French people are 'concerned' about the future of the retirement system, highlighting the need for professional advisory services
• +1 more outcomes

Named customers5 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

40 partnerships are on record, tiered core, strategic and minor.

• AbeillecoreOthersInsurance and retirement partner providing life insurance and pension products to clients of Eria Patrimoine.
• ApicilcoreOthersInsurance partner specializing in health and provident insurance solutions for individuals and professionals.
• IntencialcoreOthersInsurance and wealth management partner offering multi-support contract solutions.
• CardiffcoreOthersInsurance partner providing protection and providence solutions.
• GeneralicoreOthersMajor insurance group partner offering comprehensive insurance and wealth management products including Himalia, PER Patrimoine, and PER TNS.
• Swiss LifecoreOthersInternational insurance and wealth management partner offering high-end wealth management solutions.
• PrimonialcoreOthersWealth management partner offering Targe T+ and Serenipierre contracts for comprehensive wealth management.
• CorumcoreOthersReal estate investment partner specializing in SCPI (Real Estate Investment Trusts) products including Corum Life.
• France ValleystrategicOthersPartner specializing in sustainable investment in forest and agricultural land, presented at ERIA's 3rd annual client event for investment education.
• Montaigne CapitalstrategicTechnology or IntegrationAsset management firm that co-constructed the INFLUENCE ALLOCATION PRIVILEGE bespoke fund for Eria Patrimoine clients with ESG integration (Article 8 classification), performance target of 5%, risk rating SRI 3/7, and 5-year investment horizon.
• AmundicoreOthersMajor European asset management company providing investment fund solutions.
• GreshamcoreOthersAsset management partner offering specialized investment solutions.
• Edmond de RothschildcoreOthersPrivate banking and asset management partner with heritage brand offering high-net-worth solutions.
• Oddo BHFcoreOthersFinancial services group partner offering investment banking and asset management services.
• BaloisecoreOthersInsurance partner providing comprehensive insurance solutions.
• LombardcoreOthersInsurance partner specializing in death and invalidity insurance solutions.
• UAFcoreOthersInsurance union partner offering provident and retirement solutions.
• AprilcoreOthersInsurance broker partner offering diverse insurance solutions.
• AlptiscoreOthersInsurance partner offering provident and health insurance solutions.
• EREScoreOthersRetirement and savings partner specializing in employee savings and retirement solutions.
• ExtendamcoreOthersReal estate investment partner specializing in extended-stay and hotel properties.
• Inter InvestcoreOthersTax optimization investment partner specializing in defamation-reduction investments.
• NovaxiacoreOthersReal estate investment partner specializing in transformation and regeneration projects.
• AlderancoreOthersReal estate investment partner specializing in commercial property investments.
• Remake Asset ManagementcoreOthersReal estate investment partner offering regeneration and transformation investment opportunities.
• ArchinvestcoreOthersReal estate investment partner specializing in arch and heritage property investments.
• AltaroccoreOthersReal estate investment partner specializing in office and commercial property investments.
• iSelectioncoreOthersInvestment selection and allocation partner offering curated investment solutions.
• 123IMcoreOthersInvestment advisory partner specializing in defamation-reduction investments (FIP, FCPI).
• Histoire et PatrimoinecoreOthersReal estate investment partner specializing in historic property and défiscalisation solutions.
• AltareacoreOthersReal estate development partner offering property development and investment solutions.
• Groupe LPcoreOthersReal estate investment partner offering property investment solutions.
• SportingcoreOthersReal estate investment partner offering investment property solutions.
• Smart GroupcoreOthersInsurance and investment partner offering diversified financial solutions.
• MMAcoreOthersInsurance partner providing professional liability and business insurance solutions, also providing RCP and financial guarantee coverage for Eria Patrimoine.
• Garonne ConseilcoreStrategic or Co-development PartnerGironde-based wealth management firm acquired in 2024-2025, representing strategic expansion through merger. Combined team now operates under single Eria Patrimoine identity with complementary competencies.
• Les Lionnes de BordeauxminorGTM or Marketing PartnerWomen's rugby team (Stade Bordelais) sponsorship/partnership for the third consecutive year. Eria Patrimoine provides jersey sponsorship and supports the team's activities.
• Les P'tits DoudousminorGTM or Marketing PartnerPhilanthropic partnership supporting hospitalized children through financial sponsorship and message amplification. Association provides comfort items (doudous, tablets) to children undergoing surgery.
• CAB de BèglesminorGTM or Marketing PartnerSports club partnership with basketball team from Bègles.
• Vague d'EspoirminorGTM or Marketing PartnerSurf charity association supporting 1,320 members through water sports activities.

Scale indicators5 records

Recent moves7 records

Expansion highlights6 records

Emerging players

• Sapiendo: Sapiendo is a French retirement advisory specialist providing PER and pension optimization advisory to individuals and professionals. Directly comparable to Eria's TNS retirement planning vertical (PER, Madelin), though delivered primarily via a digital-led model.
• Nalo: Nalo is a French robo-advisor providing automated, personalized wealth management with life-cycle allocation strategies. Targets the same retirement and long-term savings need as Eria but via a fully digital, low-fee model — represents the disruption risk vector.
• Primonial: Primonial is a major French wealth management and asset management group, offering assurance-vie, PER, SCPI, and managed solutions through CGP networks. Listed as an Eria partner for Targe T+ and Serenipierre contracts; comparable as a French wealth platform competing for similar product distribution.
• Goodvest: Goodvest is a French digital wealth manager specializing in ESG-aligned investment solutions for individuals. Competes for the same sustainability-conscious HNW and mass-affluent segment Eria addresses, with the INFLUENCE ALLOCATION PRIVILEGE ESG fund as its analog.

Direct peers

• Cyrus Capital: Cyrus (Groupe Cyrus) is a major independent French wealth management group with a network of CGPs serving HNW individuals, families, and entrepreneurs. Closely comparable to Eria in independent positioning and full-service offering, but at materially larger scale.
• Meilleurtaux Placement: Meilleurtaux Placement is the wealth advisory arm of the Meilleurtaux comparison platform, offering PER, assurance-vie, and SCPI advisory through a multi-advisor CGP network. Comparable as a French independent wealth advisory competing for the same retail and mass-affluent clients with similar product menus.
• Optimind: Optimind is an independent French wealth management advisory firm (CGP) providing tax optimization, retirement, and real estate planning for individuals and business owners. Highly comparable to Eria in client segments, regulatory positioning (independent courtier), and service catalog.
• Myria Conseil: Myria Conseil is a French independent wealth management firm (CGP) serving individuals and professionals with tax, retirement, and inheritance advisory. Closely aligned with Eria in size, service mix, and independent courtier positioning.

Broad incumbents

• Rothschild & Co (Rothschild Martin Maurel): Rothschild & Co is a leading global private bank with deep French wealth management operations, serving HNW and UHNW families and entrepreneurs. Comparable service mix to Eria (estate, tax, investment advisory) but at premium-tier scale with broader asset and corporate finance capabilities.
• Lazard Frères Gestion: Lazard is a global private bank and asset manager with a substantial French wealth management practice serving HNW and UHNW clients. Comparable to Eria in advisory services and AMF-regulated positioning, but operating at vastly larger scale with broader product capabilities.

Market position

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/eria-patrimoine

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 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 Eria Patrimoine