Terrae Patrimoine Bordeaux

What Terrae Patrimoine Bordeaux does

Terrae Patrimoine Bordeaux is a French wealth management and advisory firm founded in 2020 by François-Xavier Sœur, headquartered in Le Bouscat in the Bordeaux metropolitan area. The firm operates as a SAS holding with subsidiary SARLs, providing CIF-registered financial advisory, insurance brokerage, and real estate transaction services to individuals, business owners, and legal entities. Its advisory offering spans conventional financial products as well as specialised vehicles including SCPI, LMNP (loueur meublé), Nue-Propriété (bare ownership), and Groupements Forestiers (forest investment groupings), covering both liquid and tangible-asset wealth strategies.

The firm has built a multi-office footprint across Bordeaux, Montpellier, Pau, Paris, and Tahiti, combining metropolitan French coverage with a French Polynesia branch — an unusual geographic mix for a sub-10-employee boutique. Revenue is generated through advisory fees, brokerage commissions, and professional service charges on financial, insurance, and real estate transactions. The firm is registered with ORIAS, holds AMF sustainable finance certification, sits on the ISR Label Committee, and is an AFR Ambassador, integrating it into the French responsible-investment ecosystem. Media exposure via the founder's BFM Business appearances functions as a client-acquisition and brand-building channel. There is no indication of proprietary technology, AI tooling, or platform infrastructure; service delivery is relationship-driven and human-led.

Name

Terrae Patrimoine Bordeaux

Legal name

Groupe Terrae Patrimoine, SAS

Website

https://terrae-patrimoine.fr

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

1–10 employees

Short description

Terrae Patrimoine Bordeaux is a French CIF-registered wealth advisory firm founded in 2020, serving individuals, business owners, and legal entities across five offices in France and Tahiti with financial advisory, insurance brokerage, and real estate transaction services.

Ownership category

akta.pro rank

Product category

Wealth Management Advisory

NAICS

Portfolio Management and Investment Advice (523940), Trust, Fiduciary, and Custody Activities (523991)

SIC

Investment Advice (6282)

akta.pro primary industry

Registered Investment Advisor (RIA) Wealth Management (FSAEABAA)

akta.pro secondary industries

Estate Planning & Trust Structuring Advisory (FSAEAKAC), Trust & Estate Tax Planning & Compliance (FSAEAKAE)

Keywords

• Wealth management advisory
• Financial investment advisory
• Estate planning services
• Tax optimization advisory
• Real estate investment advisory

Headquarters

HQ city

Le Bouscat

HQ country

France

HQ region

Europe

Offices4 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Advisory and Wealth Management Fees: Terrae Patrimoine operates as a wealth management advisory firm offering bespoke financial, real estate, tax, and succession planning services to individuals, business owners, and legal entities. Revenue is generated through advisory fees for portfolio management, financial planning, and related consulting services. The firm is registered as CIF (Conseiller en Investissements Financiers), insurance broker, and real estate transaction agent.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

Terrae Patrimoine is a French wealth management advisory firm (cabinet de conseil en gestion de patrimoine) offering personalized financial, real estate, tax, retirement, and succession planning advisory to individuals, business owners, and legal entities. The firm distributes regulated investment solutions (Assurance-vie, PEA, Compte-titres, private equity, SCPI, OPCI, LMNP, forestry groups) and provides wealth engineering services including matrimonial regime analysis, estate optimization, corporate sale structuring (holding/150-0 B ter), and administrative tax/IFI declaration assistance.

Product overview

Terrae Patrimoine is a wealth management advisory firm offering a comprehensive suite of financial and real estate investment solutions. The portfolio includes life insurance, private equity, securities accounts, tax optimization products, and retirement savings on the financial side, alongside SCPI, real estate funds, LMNP, and bare property investments for real estate. The firm also provides wealth engineering advisory services and administrative tax declaration assistance. The offering is structured around financial solutions, real estate solutions, and advisory services, all delivered through personalized, long-term advisory approach.

Differentiator

Problem solved

Functional benefit

Products and services

• Assurance-vie (Life Insurance) Life insurance investment product for individual wealth accumulation and estate planning purposes, distributed through advisory.
• Private Equity Financier (Fonds non cotés) Non-listed private equity investment funds for diversification and potentially higher returns, distributed through advisory.
• Compte-titres et PEA Securities account and PEA (Plan d'Épargne en Actions) for equity investments with tax advantages.
• Défiscalisation (Tax Optimization) Tax optimization solutions including Girardin investments and other tax-reduction strategies for individuals.
• Épargne retraite et épargne salariale Retirement savings and employee savings schemes including PER (Plan d'Épargne Retraite) and company savings plans (PEE, PERCO, Participation/Intéressement, Prime de partage de la valeur).
• Prévoyance Individual insurance coverage for death, disability, and illness protection for business owners and professionals.
• SCPI (Société Civile de Placement Immobilier) Real estate investment trusts allowing pooled investment in properties, distributed through advisory.
• Fonds immobilier (OPCI, SC et Private Equity) Real estate funds including OPCI, SC (Société Civile), and real estate private equity.
• LMNP (Loueur Meublé Non Professionnel) Non-professional furnished rental property investment scheme with tax benefits.
• Nue-Propriété (Bare Ownership) Bare ownership (nue-propriété) investment allowing purchase of property rights with future full ownership.
• Défiscalisation (Groupements Forestiers et Foncières Solidaires) Tax-optimized investment through forestry groups (GFF - Groupement Foncier Forestier and GFI - Groupement Forestier d'Investissement) and solidarity real estate companies (Foncières Solidaires).
• Défiscalisation (Pinel, Déficit Foncier, Malraux) Direct real estate tax reduction schemes including Pinel, Déficit Foncier, and Malraux.
• Ingénierie patrimoniale (Wealth Engineering) Wealth engineering advisory service including analysis of matrimonial regimes, succession optimization, holding structures (article 150-0 B ter), and estate planning for individuals and business owners.
• Assistance administrative à la déclaration de revenu et d'IFI Administrative assistance for income tax and wealth tax (IFI) declaration services.

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

Five partnerships are on record, tiered core and minor.

• CNCGP (Chambre Nationale des Conseils en Gestion de Patrimoine)coreOthersTerrae Patrimoine is a member of the CNCGP, the national chamber representing wealth management advisors in France. CNCGP is an AMF-recognized association for CIF (Conseiller en Investissement Financier) professionals.
• AFR (Acteurs de la Finance Responsable)coreOthersTerrae Patrimoine is an ambassador member of AFR (Acteurs de la Finance Responsable), a French association promoting responsible finance. François-Xavier Sœur serves as an ambassador.
• MMA IARD Assurances MutuellesminorOthersMMA IARD provides the financial guarantee (garantie financière) required for Terrae Patrimoine's regulated activities as an insurance broker and CIF. Address: 160 rue Henri Champion, 72030 Le Mans cedex 9.
• ORIAS (Registre des Intermédiaires en Assurance, Banque et Finance)coreOthersAll Terrae Patrimoine entities (Bordeaux n°20003546, Montpellier n°21006942, Pau n°24000995) are registered with ORIAS, the single register for insurance, banking, and finance intermediaries in France.
• AMF (Autorité des Marchés Financiers)coreOthersTerrae Patrimoine Montpellier is a CIF (Conseiller en Investissement Financier) adherent of the Compagnie CIF, an AMF-recognized professional association.

Scale indicators2 records

Recent moves6 records

Expansion highlights6 records

Emerging players

• Nalo: French digital wealth manager offering automated savings, PEA, and assurance-vie advisory to mass-affluent and emerging-HNW clients. Represents the digitally-native competition that threatens the lower end of Terrae's addressable market.

Direct peers

• Equitim (formerly Opus Finance): French independent wealth management firm offering multi-advisor CGP services across financial, real estate, and tax advisory. Directly comparable as a mid-sized French independent CGP with a similar integrated service model.
• Cyrus Conseil: One of France's largest independent wealth management advisory groups (CGP/CIF), offering comparable financial, real estate, tax, and estate advisory to HNW clients. A more scaled but structurally similar peer in the same regulatory and competitive landscape.
• UBI Patrimoine: French independent CGP providing wealth, tax, and succession advisory to individuals and business owners. Comparable as a regional-to-national French CGP with a similar advisor-led, multi-product offering.

Broad incumbents

• La Financière de l'Échiquier: Established French asset management and wealth advisory firm with stronger ISR/ESG focus. Overlaps Terrae on responsible-investing positioning but operates at significantly larger scale with proprietary fund products.
• BNP Paribas Wealth Management: Large private bank serving HNW/UHNW clients in France and globally with wealth planning, tax advisory, and investment solutions. Represents the dominant incumbent that independent CGPs like Terrae compete against on independence and personalisation.
• Ecofi Investissements: French ISR-focused asset manager and wealth advisor with strong sustainable-finance credentials and AMF certifications. Overlaps Terrae on the ISR angle but operates a B2B distribution model complementing the B2C advisory model.
• Lazard Frères Gestion: French private bank and asset manager offering wealth advisory to HNW families, with strong expertise in tax structuring, estate, and corporate wealth. Comparable at the high end of Terrae's target clientele.
• Rothschild & Co Wealth & Asset Management: Private bank and wealth manager with a strong French HNW/UHNW franchise. Comparable to Terrae in serving the upper end of the French wealth market, though at far larger scale and with proprietary investment capabilities.

Regional players

• Grand Bourg Patrimoine: Regional French CGP based near Lyon offering personalised wealth, real estate, and tax advisory to HNW clients. A relevant regional peer in the same mid-sized independent CGP segment that Terrae occupies.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/terrae-patrimoine

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries3 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 Terrae Patrimoine Bordeaux