Finance Invest - Gestion De Patrimoine

What Finance Invest - Gestion De Patrimoine does

Finance Invest is a French wealth management advisory cabinet (Conseil en Gestion de Patrimoine) headquartered at 32 cours Xavier Arnozan in Bordeaux, founded in 1995 and operating as a SARL (SIREN 399 653 476). The firm serves private individuals, liberal professionals, and business owners across the Nouvelle-Aquitaine region, providing integrated advisory across patrimonial engineering, financial investment placement, and real estate investment — including niche tax-optimization vehicles such as Loi Malraux, Monument Historique, déficit foncier, LMNP, SCPI, PER, and Assurance Vie. It is multi-licensed with ORIAS (07001240) as insurance broker, AMF/CIF via CNCGP membership, IOBSP for banking intermediation, and a CCI Bordeaux real estate card (CPI33012016000014227), with professional liability insurance carried through MMA IARD.

The firm operates a traditional, sales-led, direct-advisory distribution model: a first free consultation precedes a formal engagement letter (lettre de mission), followed by quarterly portfolio reviews and recurring audits. Revenue is generated from advisory fees on patrimonial engagements and from commissions/retrocessions on distributed financial products sourced from partners including Rothschild & Co (via the customized Horusia Global fund), Cardif/BNP Paribas (PER), and Sofidy (SCPI). The technology stack is conventional — third-party financial planning tools, CRM, and portfolio reporting — with no proprietary systems, AI capabilities, apps, or APIs. Acquisition, engagement, and retention rely heavily on an interprofessional "Club Experts" referral network (notaries, lawyers, accountants, real estate agents, mortgage brokers) and on educational content via the #RDVExperts webinar series, video content, the company website, and earned media coverage in Décideurs Magazine (classified EXCELLENT in 2022, 2023, and 2024).

Following the 2019 acquisition by Lionel LAFON from Francis Eyquard, Finance Invest operates in close collaboration with — but legally distinct from — LAFON's separate Marseille-based cabinet Massalia Finance; together the two cabinets serve approximately 850 families with €150M in combined assets under advisory. Total headcount is 7, including 4 advisors plus an engineering pole, an apprentice, and a "happiness officer." The firm is privately held with no institutional investors, no disclosed funding events, and no app/marketplace presence; the business is run as a high-touch regional boutique rather than a scalable platform.

Name

Finance Invest - Gestion De Patrimoine

Legal name

FINANCE INVEST

Website

https://financeinvest.fr

Company type

Private

Founded year

1995

Operating status

Operating

Headcount range

1–10 employees

Short description

Finance Invest is a Bordeaux-based, privately held French wealth management cabinet (CGP) founded in 1995, providing integrated patrimonial, financial, and real estate advisory to private individuals, liberal professionals, and business owners across Nouvelle-Aquitaine. It operates with multi-license regulatory standing and serves roughly half of an 850-family, €150M-AUM book shared with affiliated cabinet Massalia Finance.

Ownership category

akta.pro rank

Product category

Wealth Management Advisory

NAICS

Portfolio Management and Investment Advice (523940), Portfolio Management and Investment Advice (52394)

SIC

Investment Advice (6282), Real Estate Agents & Managers (For Others) (6531)

akta.pro primary industry

Advisory Portfolio Management (Non-Discretionary) (FSAAABAD)

akta.pro secondary industries

Real Estate Investment Advisory (Acquisitions/Dispositions, Capital Allocation) (BPAJANAA), Real Estate Advisory & Consulting (Strategy, Portfolio & Location) (FSAEAJAH)

Keywords

• Wealth management advisory
• Patrimonial engineering services
• Financial investment advisory
• Real estate investment
• Retirement planning services

Headquarters

HQ city

Bordeaux

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. Advisory and Consultation Fees: The firm generates revenue through advisory fees for comprehensive wealth management services, including patrimonial audits, estate planning, financial consulting, and real estate investment advisory. Initial consultations are offered free of charge as a client acquisition strategy.
2. Financial Product Distribution: Revenue is earned through commissions and fees from recommending and distributing financial products including insurance contracts, capitalisation contracts, SCPI (real estate investment funds), PER (retirement savings plans), and other investment products from partner insurance companies, asset management firms, and banks.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels7 records

Core offering

Finance Invest is a Bordeaux-based wealth management advisory cabinet that provides patrimonial engineering, financial advisory, and real estate investment services to private individuals, liberal professionals, and business owners. The firm delivers comprehensive wealth audits (bilan patrimonial), tax-optimized investment placement via Assurance Vie, PER, SCPI, and specialized real-estate fiscal frameworks (Loi Malraux, Monument Historique, déficit foncier, LMNP, nue-propriété), along with retirement and succession planning. Services are delivered through direct, in-person advisory engagements on a fee-and-commission basis, complemented by a free initial consultation.

Product overview

Finance Invest is a comprehensive wealth management cabinet offering integrated services through three core pillars: Patrimonial Engineering (bilan patrimonial, succession planning), Financial Advisory (investment placements, portfolio management), and Real Estate Investment (diverse fiscal frameworks). The firm provides a complete ecosystem of investment products including SCPI, Assurance Vie, PER, LMNP, and specialized real estate tax optimization vehicles (Loi Malraux, Monument Historique, déficit foncier). The product portfolio spans individual advisory services, retirement planning products, employee savings for businesses, and multi-vehicle investment solutions, all supported by quarterly portfolio audits and personalized follow-up.

Differentiator

Problem solved

Functional benefit

Products and services

• Ingénierie Patrimoniale (Patrimonial Engineering) Comprehensive patrimonial engineering service covering complete wealth assessments (bilan patrimonial) that analyze personal and professional situations, with financial, legal, and fiscal recommendations tailored to client objectives. For private individuals, liberal professionals, and business owners in France seeking holistic wealth structuring.
• Conseil Financier (Financial Advisory) Personalized investment placement recommendations aligned to the client's investor profile, expectations, and objectives. For clients seeking ongoing financial advisory and portfolio management across insurance, capitalisation, and managed-fund products.
• Investissement Immobilier (Real Estate Investment Advisory) Real estate investment guidance covering multiple fiscal frameworks including Loi Malraux, Monument Historique, déficit foncier operations, SCPI, LMNP, and nue-propriété. For clients seeking property-based wealth strategies with integrated fiscal optimization.
• Bilan Patrimonial (Wealth Assessment) Comprehensive wealth audit analyzing family situation, professional situation, financial assets, real estate, taxation, and budget to establish a personalized wealth strategy. Delivered under a dedicated mission letter (lettre de mission) with fees scaled to dossier complexity. For clients entering a formal advisory engagement with Finance Invest.
• Étude de Succession (Succession Planning) Succession analysis examining spouse protection, inheritance rights, and optimization strategies for wealth transmission to beneficiaries. Interprofessional coordination with notaries and lawyers is integrated. For clients planning intergenerational wealth transfer.
• Loi Malraux Investment Tax reduction program for the complete restoration of buildings located in remarkable heritage sites, offering 22% or 30% tax reduction on renovation costs up to 400,000€ over four years. For taxpayers seeking heritage-property investment with fiscal optimization.
• Déficit Foncier Investment Tax optimization strategy allowing property owners to deduct renovation costs from rental income and global income, reducing taxation while building real estate assets. For rental property owners seeking to offset income tax through renovation works.
• Monument Historique Investment Investment in classified historical monuments allowing unlimited deduction of renovation costs, interest, and related fees from global income. For highly taxed households seeking tax-efficient heritage-property investment.
• Location Meublée Non Professionnelle (LMNP) Furnished rental activity offering commercial tax treatment with potential 50% micro-BIC abatement or real regime allowing full expense deduction and depreciation. For investors seeking tax-favored rental income strategies.
• SCPI (Société Civile de Placement Immobilier) Distribution Real estate investment company product allowing investors to hold diversified property portfolios (offices, commercial, residential) with professional management and regular income distribution, without direct property ownership. Distributed from partners including Sofidy. For clients seeking hands-off real estate exposure.
• Nue-propriété (Bare Ownership) Investment Split ownership structure allowing purchase of bare property while another party holds usufruct, generating a deferred gain without rental income taxation during the demembrement period. For investors with medium-to-long-term horizons seeking tax-efficient property acquisition.
• Plan Épargne Retraite (PER) Long-term savings plan for retirement providing tax-deductible contributions with flexible exit options as capital or annuity, across multiple investment supports. For clients preparing retirement with a tax-efficient wrapper.
• Assurance Vie (Life Insurance) Savings and transmission contract providing capital accumulation with favorable tax treatment on withdrawals after eight years and special succession tax advantages. For clients seeking tax-efficient long-term savings and wealth transmission.
• Épargne Salariale (Employee Savings) Collective savings schemes including profit-sharing (participation), incentive agreements (intéressement), and employer contributions (abondements) within PEE and PERECO plans. For French business owners seeking to deploy tax-efficient employee savings schemes within their companies.

Quantifiable outcome

• 850 families served across both Finance Invest (Bordeaux) and Massalia Finance (Marseille) cabinets
• +2 more outcomes

Named customers1 record

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Partnerships

Eight partnerships are on record, tiered core and major.

• CNCGP (Chambre Nationale des Conseils en Gestion de Patrimoine)coreStrategic or Co-development PartnerFinance Invest is a member of CNCGP, the National Chamber of Wealth Management Advisors, an association approved by the AMF (Autorité des Marchés Financiers). CNCGP represents 69% of the profession's workforce and provides a quality label based on five pillars: regulatory compliance, knowledge updates, ethical commitment, professional liability insurance, and interprofessional added value.
• Club Experts (Interprofessional Network)coreStrategic or Co-development PartnerFinance Invest participates in an 'Club Experts' comprising notaries, lawyers, accountants, real estate agents, and mortgage brokers. This interprofessional collaboration enables comprehensive client service with specialized expertise from each partner in their respective domain.
• SofidymajorChannel Partner/ Reseller/ DistributorSofidy is a major SCPI (Société Civile de Placement Immobilier) management company. Finance Invest distributes Sofidy's SCPI products including Immorente and Efimmo to clients seeking real estate investment solutions. Christian Cacciuttolo, co-founder of Immorente SCPI, has participated in Finance Invest's #RDVExperts webinar series.
• Cardif (BNP Paribas)majorChannel Partner/ Reseller/ DistributorCardif, the insurance subsidiary of BNP Paribas, partners with Finance Invest for PER (Plan Epargne Retraite) products. Yann Pelard, Cardif's commercial director, has participated in Finance Invest's #RDVExperts webinar to present PER solutions to clients.
• Rothschild & ComajorStrategic or Co-development PartnerRothschild & Co manages the 'Horusia Global' customized fund created by Finance Invest for its clients. Mathieu Six serves as fund manager. This fund represents a unique product developed through collaboration between Finance Invest and Rothschild & Co's asset management expertise, launched at the 2020 annual conference.
• Insurance Companies (Compagnies d'Assurances)majorChannel Partner/ Reseller/ DistributorFinance Invest works with multiple insurance companies for life insurance, capitalisation contracts, and other insurance-based wealth management products. Partner selection is based on product quality and service excellence rather than exclusive relationships, ensuring impartial recommendations.
• Asset Management Companies (Sociétés de Gestion)majorChannel Partner/ Reseller/ DistributorFinance Invest distributes products from multiple asset management companies including SCPI managers, OPC managers, and specialized investment fund providers. The firm maintains relationships with various management companies to offer diversified investment solutions tailored to client needs.
• Banks (Banques)majorChannel Partner/ Reseller/ DistributorFinance Invest collaborates with banking partners to provide financing solutions, treasury management products, and banking-based investment vehicles. These partnerships enable comprehensive wealth management including credit advisory and banking investment products.

Scale indicators4 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Fidroit: French wealth engineering and family office advisory firm providing patrimonial diagnostics, tax optimization, and intergenerational transmission planning. Directly comparable in serving entrepreneurs and HNW families with a similar multi-disciplinary advisory model.
• Cyrus Capital: French independent wealth management firm offering private banking, patrimonial advisory, and family office services to HNW clients. Comparable as a multi-mandate CGP serving business owners and liberal professions with similar product breadth across SCPI, Assurance Vie, and real estate fiscal optimization.

Emerging players

• Nalo: French digital wealth manager offering automated portfolio management (robo-advisory) and life insurance contracts to mass-affluent and HNW clients. Comparable in targeting French individuals seeking optimized wealth allocation, but competing via digital UX rather than face-to-face advisory.
• Ramify: Paris-based digital wealth advisory serving HNW individuals with private equity, SCPI, Assurance Vie and tailored portfolio solutions. Comparable in offering diversified wealth products (including SCPI) to French HNW clients, but with a digital-first delivery model versus Finance Invest's in-person approach.
• Linxo: French personal finance and wealth management platform offering aggregated portfolio tracking and advisory tools. Comparable in serving French individuals seeking consolidated wealth visibility, but operating as a fintech infrastructure layer rather than a full-service CGP.

Broad incumbents

• Primonial: One of France's largest independent wealth management groups offering patrimonial advisory, asset management, SCPI distribution, and insurance solutions. Directly comparable as a multi-license French CGP/asset manager, though operating at significantly greater scale with institutional product manufacturing capability.
• Rothschild & Co Wealth & Asset Management: Global private banking and asset management group and Finance Invest's product partner for the Horusia Global fund. Comparable in serving HNW/UHNW clients with integrated advisory and bespoke fund solutions, though at vastly greater scale and with discretionary capabilities.
• Lazard Frères Gestion: French arm of Lazard providing private wealth management, asset management, and financial advisory to HNW clients and entrepreneurs. Comparable in offering integrated advisory and investment solutions to French business owners and family wealth, with institutional product capabilities.
• BNP Paribas Wealth Management: The private banking arm of BNP Paribas Cardif (also a Finance Invest partner) offering global wealth advisory to HNW/UHNW clients. Comparable as a multi-product wealth advisory provider, but operating at institutional scale with discretionary mandates and international reach.

Regional players

• MieuxPlacer: French online investment platform specializing in SCPI, Assurance Vie, and real estate crowdfunding for individual investors. Comparable in distributing SCPI and Assurance Vie products to French HNW clients, but competing purely on digital accessibility rather than personalized advisory.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/finance-invest

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 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 Finance Invest - Gestion De Patrimoine