Master Conseil

What Master Conseil does

Master Conseil is an independent French wealth management advisory firm (Conseiller en Gestion de Patrimoine) headquartered in Aix-en-Provence, founded in 2011 through the merger of two cabinets established in 1999 and 2000 by current managing partners Stéphane VOSS and Olivier JANIN. The firm operates under open architecture, holding CIF (ANACOFI E002561), ORIAS 11 061 742, IOBSP, IAS, and Hoguet Law registrations under AMF and ACPR supervision, with no captive products or affiliations to any bank or insurer. Its advisory offering is built around five core expertises — Girardin Industriel, Plan d'Épargne Retraite (PER), Assurance-vie, SARL Famille + LMNP, and Produits Structurés — unified by a proprietary "Approche Patrimoniale Globale" methodology that integrates tax, retirement, transmission, real estate, liquidity, and protection levers, supplemented by nine additional solutions including SCPI, Loi Malraux, deficit foncier, SCI, démembrement, prévoyance, and credit optimization.

The firm runs a hybrid technology stack comprising the Master Conseil Business mobile application (developed by Wimmov, available on iOS and Android), the O2S (Harvest) wealth management and compliance suite, and standard SaaS tools (Folk CRM, Brevo emailing). It serves 1,000+ families across metropolitan France (PACA, Île-de-France, Auvergne-Rhône-Alpes), French overseas territories (La Réunion, Antilles, Polynésie), and internationally (Brussels, Geneva, Montreal, Singapore), with no minimum asset requirement. The team comprises 5 core professionals plus a network of approximately 10 partner advisors and is expanding through an independent mandataire CGP channel with France-wide rollout planned for 2027.

Revenue is generated through four streams: retrocessions from partner product providers (up to 100% of entry fees on certain OPCVM and up to 10% of annual management fees, per AMF Article 325-6), one-off advisory fees (€750 HT for an audit patrimonial, €150 HT minimum for special research), optional annual forfaits (Courtage and Gestion de Patrimoine), and business referrer commissions (€500–€5,000 per completed file). The go-to-market is sales-led, anchored on a free 1-hour initial bilan patrimonial offered in-person or via video, followed by a personalized strategy proposal and annual follow-up, with primary demand generation through word-of-mouth, Google reviews (4.9/5 across 122 verified reviews), and a structured apporteurs d'affaires program targeting allied professionals. The wholly-owned Qualiopi-certified training subsidiary Master Formation extends the firm's footprint into professional education.

Name

Master Conseil

Legal name

SARL Master Conseil

Website

https://master-conseil.fr

Company type

Private

Founded year

2011

Operating status

Operating

Headcount range

11–50 employees

Short description

Master Conseil is an independent French wealth management firm (CGP) founded in 2011 in Aix-en-Provence, offering open-architecture advisory services across tax optimization, retirement, real estate, and transmission to 1,000+ families across France and internationally under multi-license AMF/ACPR regulation.

Ownership category

akta.pro rank

Product category

Wealth Management Advisory

NAICS

Portfolio Management and Investment Advice (523940)

akta.pro primary industry

Financial Planning–Led RIAs (FSAAACAB)

akta.pro secondary industry

Estate Administration & Probate Services (FSAAANAE)

Keywords

• Wealth management advisory
• Tax optimization services
• Retirement planning solutions
• Estate transmission advisory
• Real estate investment consulting

Headquarters

HQ city

Venelles

HQ country

France

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Retrocessions from Partners: The firm receives retrocession commissions from selected partners (insurers, banks, fund managers, property developers) based on investment decisions made by clients. Commissions are calculated as a percentage of entry fees (up to 100% of entry fees for certain OPCVM) and management fees (up to 10% of annual management fees), in compliance with AMF Article 325-6 RGAMF. No exclusive contractual obligations with any single provider — selection is based on objective criteria.
2. Consulting Fees: For certain specific mandates (e.g., a full audit of a client's wealth situation), Master Conseil charges advisory fees. The pricing document references an 'Audit patrimonial' at 750€ HT and hourly writing fees of 150€ HT minimum. Written proposals and adequacy reports are provided free of charge for standard mandates but billed for special research requests.
3. Annual Service Forfaits: Two annual forfaits are proposed: 'Courtage' and 'Gestion de Patrimoine', each covering different levels of ongoing service, document management, and annual review. Subscription is optional — clients may choose not to subscribe but then do not benefit from the associated services.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels6 records

Core offering

Master Conseil is a private wealth management advisory firm (Conseiller en Gestion de Patrimoine) operating under an open-architecture model. It delivers integrated, personalized wealth strategies covering tax optimization, retirement planning, real estate investment, and estate transmission, anchored on five core expertise areas (Girardin Industriel, PER, Assurance-vie, SARL Famille + LMNP, and Produits Structurés) plus nine complementary solutions. The firm is compensated primarily via retrocession commissions from selected partners and offers a proprietary mobile application for client engagement.

Product overview

Master Conseil is a wealth management advisory firm (CGP) operating from Aix-en-Provence since 2011, offering an integrated portfolio of 5 core proprietary advisory products under an open-architecture model. The core offering comprises Girardin Industriel (overseas tax reduction), Plan d'Épargne Retraite/PER (tax-deductible retirement savings), Assurance-vie (life insurance and transmission), SARL Famille + LMNP (family-structured furnished rental), and Produits Structurés (capital-protected structured products). These are supplemented by 9 additional expertises including deficit foncier, SCPI, Loi Malraux, Monuments Historiques, SCI, démembrement, prévoyance, crédit/financement, and optimized real estate strategies. The firm also provides a proprietary mobile application (Master Conseil Business) for client portfolio tracking and referrer commission management, along with internal tools (O2S/Harvest software suite) and a training subsidiary (Master Formation). The portfolio is unified through a global patrimonial approach methodology and open architecture that selects partners across insurance, real estate, and banking sectors.

Differentiator

Problem solved

Functional benefit

Products and services

• Girardin Industriel One-shot tax reduction investment through productive overseas assets with a ceiling of €40,909 (standard) or €52,941 (with approval), outside the global niche capping. Designed for individuals with TMI ≥ 30% and high income tax exposure.
• Plan d'Épargne Retraite (PER) Individual or collective retirement savings plan providing tax-deductible contributions up to €37,680 in 2026, with flexible exit options (capital, annuity, or mixed) and favorable transmission provisions after age 70.
• Assurance-vie Multi-purpose savings and wealth transmission vehicle providing €152,500 abatement per beneficiary, additional €30,500 after age 70, and degressive taxation after 8 years. Operates on open architecture with euro funds and units of account.
• SARL Famille + LMNP Family corporate structure combined with Non-Professional Furnished Rental status for optimized furnished rental property, enabling IR taxation under micro-BIC or real regime, amortization for near tax-free rental income, and optimized family transmission.
• Produits Structurés Capital-protected structured financial products with conditional returns linked to stock indices or equity baskets, with 5–10 year investment horizons and potential returns of 5–10% annually if conditions are met.
• Master Conseil Business Mobile App Official mobile application (iOS/Android) enabling clients to track investment progress in real-time, exchange via secure messaging with advisors, access fiscal news, and manage documents. For business referrers, enables tracking referrals, commissions (€500–€5,000 per file), and monthly payments.
• Audit Patrimonial Standalone full wealth audit service priced at €750 HT, billed to clients requiring a detailed assessment of their wealth situation outside the standard advisory mandate.
• Courtage and Gestion de Patrimoine Annual Forfaits Optional annual subscription forfaits (Courtage and Gestion de Patrimoine) covering different levels of ongoing advisory service, document management, and annual review. Clients may decline but then forfeit associated services.
• Master Formation (Training Subsidiary) Qualiopi-certified training and professional development programs supporting CGPs, real estate agents, accountants, and HR professionals. Practitioner-led certified programs for skills development within the Master Conseil ecosystem.

Quantifiable outcome

• Girardin Industriel: 110–120% gross yield on invested capital (5-year horizon, tax reduction benefit)
• +7 more outcomes

Named customers4 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature3 records

Partnerships

Five partnerships are on record, tiered core.

• Financ'îlecoreTechnology or IntegrationStrategic partner for Girardin Industriel operations. Financ'île specializes in overseas industrial investments and provides the infrastructure for the one-shot tax reduction product (réduction d'impôt one-shot via investment in overseas productive assets), which is one of Master Conseil's five core expertises.
• Master Formation (subsidiary)coreStrategic or Co-development PartnerWholly-owned subsidiary (Qualiopi certified) providing training and professional development programs for CGPs, real estate agents, accountants, and HR professionals. Programs are practitioner-led and certified, supporting the skills development of the Master Conseil ecosystem.
• ANACOFI-CIFcoreOthersProfessional association of financial investment advisors, approved by the AMF (Autorité des Marchés Financiers), under whose umbrella Master Conseil operates as a CIF (Conseiller en Investissements Financiers), registration E002561. ANACOFI-CIF sets professional conduct standards and provides regulatory guidance.
• ORIAScoreOthersRegulatory registry (Registre des Intermédiaires en Assurances, Opérations de Banque et Services de Paiement) under ACPR supervision. Master Conseil is registered under ORIAS No. 11 061 742 for activities in insurance intermediation (IAS), banking operations (IOBSP), and wealth management advisory (CGP/DBF/CJA).
• ACPR / AMFcoreOthersPrudential Supervisory Authority (ACPR) and Financial Markets Authority (AMF) — the two French regulatory bodies supervising Master Conseil's activities. The firm's CIF and IOBSP/IAS registrations are controlled by these authorities.

Scale indicators7 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Primonial: Major French wealth management group offering open-architecture advisory, real estate (SCPI), insurance, and structured products to individuals via its own advisor network. Comparable in product breadth and target client (high-income French households and business owners).
• UFF (Union Financière de France): French wealth management firm specializing in advisory and asset allocation for individuals, with a strong footprint in life insurance and savings products. Comparable to Master Conseil as an independent wealth advisory firm targeting French retail and mass-affluent clients.
• Haussmann Patrimoine: Independent French CGP offering global patrimonial advice (defiscalisation, real estate, retirement, transmission) to executives and business owners. Closely comparable to Master Conseil in client persona, integrated 6-lever-style methodology, and reliance on open-architecture product selection.
• Cyrus Conseil: One of France's largest independent CGP networks with an open-architecture model and broad product selection (insurance, real estate, structured products) serving individuals and business owners. Directly comparable to Master Conseil in independence from captive banks, in reliance on retrocessions, and in cross-selling of tax-advantaged products.
• Néofi: French independent CGP providing wealth advisory, tax optimization, and real estate investment solutions to individuals and entrepreneurs. Comparable in advisor-led distribution, niche fiscal product expertise, and target clientele.

Emerging players

• Yomoni: French robo-advisor providing automated life insurance (UC) portfolios and savings products to retail investors. Comparable as a competing wealth channel for the same French retail and mass-affluent client base, particularly for the digital-native segment Master Conseil also addresses.
• Nalo: French robo-advisor offering automated, ETF-based portfolio management and life insurance wrappers to retail and mass-affluent clients. Comparable as a French wealth management provider with a digital-first GTM targeting the same upstream personas Master Conseil reaches through its younger-professional segment.

Broad incumbents

• Société Générale Private Banking: Universal bank's wealth management division serving affluent and HNW clients across France and internationally, including life insurance, structured products, and real estate. Comparable in client overlap (TMI ≥ 30%, business owners) and product categories; competes with Master Conseil for the same end-clients via a bank-distribution model.
• BNP Paribas Wealth Management: Private banking arm of a major French bank offering advisory and discretionary management to high-net-worth and ultra-high-net-worth clients. Comparable in serving high-TMI French households and in product breadth, but operates as a captive bank-affiliated model — directly opposite to Master Conseil's independence positioning.

Others

• Harvest: French software vendor (O2S suite used by Master Conseil) supplying CRM, compliance, portfolio management, and investor-profiling tools to CGPs across France. Comparable as the underlying technology infrastructure that powers Master Conseil's operations and as a reference point for the operational tooling layer of the French CGP industry.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/cabinet-master-conseil
• Xx.com/masterconseil
• Facebookfacebook.com/MasterConseil

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Subsidiaries1 record

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 Master Conseil