Groupe Bottero Patrimoine

What Groupe Bottero Patrimoine does

Groupe Bottero Patrimoine is a French independent wealth management firm (Conseil en Gestion de Patrimoine, Code NAF 6622Z) founded in 1976 and now in its third generation of family leadership, headquartered in Manosque, France. The firm serves individual and business clients across metropolitan France through 4 agencies and 3 bureaus in 7 cities (Manosque, Marseille, Montpellier, Carcassonne, Grenoble, Paris, Nîmes), with 12,000 clients and approximately 1 billion euros in assets under management as of early 2026.

The firm's product platform is organized around four advisory pillars: savings (épargne, including life insurance and capitalisation), retirement (retraite, including PER/PERIN/PERECO), wealth transmission (transmission, including estate planning and business transfer via Pacte Dutreil), and provident insurance (prévoyance, including health, dependency, and death/disability coverage). It also offers real estate investment solutions (Pinel, SCPI, Malraux, LMNP), tax optimization products (FIP, FCPI, GFF, GFV), employee savings (PEE/PEI, intéressement, participation), and corporate treasury management. The firm leverages partner distribution networks including AFER (founding correspondent since 1976) and the Incomon groupement for bespoke funds managed by Auris Gestion.

Revenue is generated through advisory fees, product distribution commissions on insurance and financial products, and fees on assets under management, with no publicly disclosed pricing model. The go-to-market is sales-led and relationship-based, relying on in-person consultations at agency locations and long-term multi-generational client relationships. No proprietary technology platform is disclosed; the firm operates as a pure-play advisory business dependent on partner product ecosystems.

Name

Groupe Bottero Patrimoine

Legal name

BOTTERO PATRIMOINE

Website

https://bottero-patrimoine.com

Company type

Private

Founded year

1976

Operating status

Operating

Headcount range

11–50 employees

Short description

Groupe Bottero Patrimoine is a third-generation French independent wealth management firm serving 12,000 individual and business clients with approximately 1 billion euros in assets under management across 7 cities in metropolitan France.

Ownership category

akta.pro rank

Product category

Wealth Management

NAICS

Health and Welfare Funds (525120)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Family Office Advisory (Single/Multi-Family) (FSAEAAAI)

akta.pro secondary industries

Family Office Advisory & Outsourced CIO (OCIO) (FSAAADAC), Family Office Services (Single & Multi-Family Office) (FSABADAF)

Keywords

• Wealth management services
• Financial advisory
• Retirement planning
• Estate planning
• Insurance distribution

Headquarters

HQ city

Manosque

HQ country

France

HQ region

Europe

Offices7 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Infrastructure, Others

Revenue model

1. Financial Advisory and Wealth Management Fees: Bottero Patrimoine generates revenue as a financial advisory firm (Conseil en Gestion de Patrimoine, Code NAF 6622Z), providing personalized advice on savings, retirement, transmission, and provident insurance across both individual and business client segments. Revenue is derived from advisory fees, product distribution commissions from insurance and financial products (life insurance, PER, SCPI, provident insurance), and potentially management or performance-related fees on assets under management of approximately 1 billion euros.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels5 records

Core offering

Groupe Bottero Patrimoine is a French family-owned wealth management advisory firm (Conseil en Gestion de Patrimoine) that delivers personalized advice and distributes financial and insurance products across four pillars: savings (Assurance Vie, capitalisation), retirement (PER, PERIN, PERECO, PEE/PEI, Madelin), wealth transmission (capitalisation, démembrement, donation, Pacte Dutreil), and provident insurance (Santé, Dépendance, prévoyance). It serves both individuals and businesses through 4 agencies and 3 bureaus across France, leveraging partner product ecosystems including AFER and the Incomon group of bespoke funds.

Product overview

Groupe Bottero Patrimoine is a family-owned wealth management firm (SAS, capital 416,353.47 €, RCS MANOSQUE 392993648) with nearly 50 years of history, acting as a correspondent of AFER. The firm operates a multi-product platform organized around four core pillars — épargne (savings/life insurance), retraite (retirement), transmission (wealth transfer), and prévoyance (insurance protection) — serving both individual and business clients. The product portfolio is structured as a unified advisory offering combining insurance-based products (Assurance Vie, capitalisation, PER/PERIN/PERECO, Prévoyance, Santé, Mutuelle d'Entreprise, Prévoyance Collective), real estate investment services (Pinel, SCPI, Malraux, LMNP), tax-efficient solutions (FIP, FCPI, GFF, GFV), employee savings (Épargne Salariale, PEE/PEI, Participation/Intéressement), corporate treasury management (short-term and constant), and business sale/transmission advisory (Pacte Dutreil). Specialized sub-brands include AFER-branded insurance products and the Incomon custom fund family.

Differentiator

Problem solved

Functional benefit

Products and services

• Assurance Vie & Capitalisation Life insurance and capitalisation contracts offering flexible savings, retirement preparation, and an advantageous tax framework for individuals, distributed via AFER partnership.
• PERIN (Plan d'Épargne Retraite Individuel) Individual retirement savings plan introduced under the Loi Pacte, allowing savers to build retirement income through a rente and/or capital combination in a privileged tax framework.
• PER (Plan d'Épargne Retraite) - Collective and Individual Retirement Solutions Collective and individual retirement savings plans including PER, PERECO, PEE-PEI, Article 82/83, Madelin, and employee profit-sharing schemes for individuals and businesses.
• Immobilier (Pinel, SCPI, Malraux, LMNP) Real estate investment services covering Pinel tax-efficient purchases, SCPI collective real estate funds, Malraux historic property restoration tax credits, and non-professional furnished rentals (LMNP).
• Prévoyance, Santé & Dépendance Personal insurance covering health, dependency (including AFER Dependency contract with 500-3000 euros/month non-taxable annuity), and prévoyance (death/invalidity coverage) for individuals and professionals.
• Mutuelle d'Entreprise Collective company health insurance plans, mandatory for employees with cost shared between employer and employee.
• Prévoyance Collective Group death/invalidity insurance for employees, supplementing mandatory social security provisions for incapacity, invalidity, or death risks.
• Épargne Salariale Employee savings solutions including PEE, PEI, intéressement, and participation schemes for optimizing employee remuneration.
• Trésorerie d'Entreprise Corporate treasury management services covering short-term instruments (SICAV, FCP, comptes à terme) and constant/medium-term investments (capitalisation contracts, comptes titres, usufruit de SCPI).
• Cession & Transmission d'Entreprise Business sale and transfer advisory services including the Pacte Dutreil framework for optimizing fiscal conditions of business disposals and transfers.
• Épargne, Transmission, Succession (Capitalisation Contracts) Capitalisation contracts and wealth transmission services including démembrement de propriété (property split), donation au dernier vivant, and inheritance planning.
• Défiscalisation Tax reduction solutions including FIP, FCPI, Groupements Fonciers Forestiers (GFF), Groupements Fonciers Viticoles (GFV), and general tax optimization strategies.
• Société Civile (SC) Structuring Civil company structuring for family property acquisition, co-investment, estate transmission, and potential reduced-rate corporate tax (IS at 15%) optimization.
• Incomon Dynamique & Incomon Opportunités Custom-made investment funds managed by Sadri Tamarat of Auris Gestion, offered through the Incomon groupement of which Bottero Patrimoine is a founding member, bringing institutional-quality investment funds to individual clients.

Quantifiable outcome

• 12,000 clients served with 1 billion euros in assets under management as of early 2026
• +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

Partnerships

Four partnerships are on record, tiered major, minor and core.

• La Maison de l'Épargne Dauphinoise (Family Cabanes)majorStrategic or Co-development Partner · 12 June 2023Bottero Patrimoine completed a merger with La Maison de l'Épargne Dauphinoise, a firm founded and managed by the Cabanes family, in June 2023. This integration brought over 10,000 new clients and approximately 800 million euros in additional assets under management, and established Bottero's presence in Grenoble. The integration was announced publicly and represents a significant expansion milestone.
• Aurélien Almerge Assurances et PatrimoineminorStrategic or Co-development Partner · 1 June 2023A subsidiary/filiale of Bottero Patrimoine focused on health and provident insurance solutions, referenced in the context of complementing wealth management services with insurance products. Aurélien Almerge serves as Director of the Carcassonne Agency and Head of Health and Provident Insurance.
• Incomon GroupminorStrategic or Co-development Partner · 1 May 2021Bottero Patrimoine is a founding member of the Incomon group, a collective of wealth management firms focused on making institutional-quality management accessible. Incomon launched two bespoke funds managed by Sadri Tamarat of Auris Gestion: Incomon Dynamique and Incomon Opportunités.
• AFER (Association Française d'Épargne et de Retraite)coreStrategic or Co-development Partner · 1 January 1976Bottero Patrimoine is a founding correspondent (correspondant de la première heure) of AFER, France's leading life insurance and savings association created in 1976. As an AFER correspondent, the firm distributes AFER products including life insurance, PER (individual retirement savings plans), and dependency contracts. AFER is described as a 'grande famille' with over 1 million members. The partnership grants Bottero access to AFER's product ecosystem, brand credibility, and marketing content (Minute AFER educational series).

Scale indicators7 records

Recent moves9 records

Expansion highlights6 records

Direct peers

• Cyrus Conseil: Independent French wealth management advisory firm serving HNW individuals and families with a multi-office, multi-generational client model — directly comparable in GTM motion, product breadth (life insurance, PER, real estate, transmission), and advisory-led structure.
• Vega Finance: Independent French wealth management firm serving private clients and business owners through a network of regional offices, offering comparable financial advisory, retirement, and transmission services — overlapping customer base and product portfolio.
• HDF Finance: Independent French wealth management advisory firm with a multi-generational, multi-office model focused on private clients and entrepreneurs. Similar profile in terms of size, family-independent identity, and focus on savings, retirement, and transmission.

Emerging players

• Linxea: France's leading online wealth and life insurance broker. Focuses on the same categories (assurance vie, PER, SCPI) but through a digital, self-service model that competes for the same underlying client wallet — particularly younger HNW prospects.
• Boursorama Banque: Société Générale's online banking subsidiary offering assurance vie, PER, and brokerage products to French retail and HNW clients. Represents the digital distribution threat to traditional advisory firms while serving overlapping client financial planning needs.
• Nalo: Digital French wealth advisor providing automated, algorithm-driven investment and retirement planning. Represents the digital-native, low-fee model of wealth management that competes with traditional advisory firms like Bottero for younger client segments.

Others

• AFER (Association Française d'Épargne et de Retraite): Bottero's core distribution partner and France's leading independent life insurance association. Not a direct competitor but an ecosystem participant — its 1M+ member base and product range directly anchor Bottero's offering and competitive positioning.

Broad incumbents

• Primonial: Major French wealth management and asset management group. Overlapping product categories (life insurance, SCPI, real estate, advisory) and target HNW clientele, but operates at significantly larger national scale with institutional product breadth.
• Union Financière de France (UFF): One of France's largest dedicated wealth management networks, owned by Aviva. Comparable product suite (life insurance, PER, asset management) and multi-advisor distributed model, but at significantly larger scale and with bank-insurer backing.
• BPE (Banque Privée de l'Esling): French private banking subsidiary of Natixis, serving HNW individuals across multiple French regions with wealth structuring, retirement, and transmission services. Comparable target clientele and product categories, but with bank backing and broader institutional reach.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCkcSDgKIcIL02qMcaDFpYnw
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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 Groupe Bottero Patrimoine