LA FINANCIERE DU CEDRE

What LA FINANCIERE DU CEDRE does

La Financiere du Cedre, operating as H&G Gestion Privée, is a France-based independent wealth-management and financial-advisory business. Its principal customers are high-net-worth individuals and families, with an additional offering for business owners and entrepreneurs. Published scale data reports 650 clients, €70 million in assets under management in 2022, 5 advisors, and a 21-partner product network; the company is privately held and operates from Bretteville-sur-Odon in Normandy.

The firm combines wealth planning with access to real-estate, tax, retirement, insurance, financial-market, and estate-transmission solutions. Its product set includes SCPI and rental-property strategies, Malraux, Pinel, LMNP/LMP, bare ownership, FIP-FCPI, industrial Girardin products, life insurance, capitalization contracts, PEA and PERP plans, Madelin retirement contracts, employee savings, key-person insurance, donation and matrimonial-regime advice, and renewable-energy investments. The source material identifies no proprietary technology, algorithms, data platform, mobile application, API, or SDK; the company's digital presence consists principally of a website, educational content, newsletter capture, and appointment booking.

H&G Gestion Privée uses a sales-led, direct-advisory model centered on scheduled appointments and a free initial patrimonial assessment. It monetizes professional financial advice and commissions or distribution fees from third-party financial products, including insurance, real-estate investments, private-equity funds, and capital-market products. No advisory pricing, current revenue, client retention metrics, or recurring-fee schedule is publicly disclosed.

Name

LA FINANCIERE DU CEDRE

Legal name

H&G Gestion privée

Website

https://financiere-du-cedre.fr

Company type

Private

Founded year

1995

Operating status

Operating

Headcount range

11–50 employees

Short description

La Financiere du Cedre, operating as H&G Gestion Privée, provides independent wealth management and tax optimization advice to individuals, families, and business owners, covering real estate, investments, retirement, protection, and estate transmission.

Ownership category

akta.pro rank

Product category

Wealth Management

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro industry

PRIMARYFSAAACAA

Comprehensive/Full-Service RIAs & Independent Wealth Managers

Financial & Insurance/Asset & Wealth Management/Registered Investment Advisors (RIAs) & Independent Wealth Managers

SECONDARYFSAAACAB

Financial Planning–Led RIAs

Financial & Insurance/Asset & Wealth Management/Registered Investment Advisors (RIAs) & Independent Wealth Managers

SECONDARYFSAAACAI

Insurance-Integrated Wealth Managers (RIA + Insurance Solutions)

Financial & Insurance/Asset & Wealth Management/Registered Investment Advisors (RIAs) & Independent Wealth Managers

Keywords

• Wealth management services
• Financial advisory services
• Tax optimization solutions
• Real estate investment advice
• Retirement planning services

Headquarters

HQ city

Paris

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, Others

Revenue model

1. Financial Advisory Services: As a CIF (Conseiller en Investissements Financiers) registered with Orias, the firm generates revenue through advisory fees and commissions on financial products distributed to clients, including insurance, real estate investments, and capital markets products.
2. Financial Product Distribution: The firm earns commissions from distributing financial products including insurance-vie, SCPI, real estate investments, FIP-FCPI funds, and other investment vehicles through their network of 21 partners.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

La Financière du Cèdre is an independent wealth management and financial advisory firm serving French individuals and families with personalized advice across real estate investment (SCPI, Pinel, Malraux, LMNP/LMP), tax optimization (FIP-FCPI, Girardin Industriel, déficit foncier), financial placements (assurance-vie, PEA, PERP, Madelin), retirement planning, and heritage transmission. The firm also provides business-owner solutions including épargne salariale and key person insurance, distributed through a network of 21 strategic product partners.

Product overview

LA FINANCIERE DU CEDRE (operating as H&G Gestion Privée) is a wealth management and financial advisory firm offering a comprehensive suite of investment and tax optimization solutions. The core offering encompasses real estate investment products (including SCPI, Pinel, Malraux, LMNP/LMP, and nue-propriété schemes), financial investment vehicles (PEA, assurance-vie, PERP, Madelin retirement, FIP-FCPI), tax optimization strategies (Girardin industriel, déficit foncier), and inheritance/transmission planning services. The firm also offers corporate solutions including employee savings plans and key person insurance. Their product portfolio integrates real estate, financial instruments, and fiscal engineering to address client objectives across wealth building, tax reduction, retirement planning, and estate transmission.

Differentiator

Problem solved

Functional benefit

Products and services

• Immobilier et SCPI (Real estate and SCPI investment solutions) Real estate investment solutions covering direct property investment under multiple regulated schemes (Pinel, Malraux, Monuments Historiques, LMNP, LMP, déficit foncier, Cosse ancien, nue-propriété, viager occupé mutualisé) and SCPI (paper real estate) for diversified, professionally managed exposure. Designed for individuals and families seeking real estate allocation combined with French tax advantages.
• Optimisation fiscale (Tax optimization) Tax optimization solutions using regulated vehicles such as FIP-FCPI (innovation and local investment funds offering up to 50% tax reduction on PME investments) and Girardin Industriel (overseas industrial investment with up to 12% returns and annual tax savings). Aimed at French taxpayers seeking to legally reduce income tax through PME, industrial, and real estate deficit mechanisms.
• Chef d'entreprise (Business owner solutions) Business owner solutions including key person insurance (contrat assurance homme-clé) protecting businesses against loss caused by departure or death of essential employees, and employee savings schemes (épargne salariale) such as PEE and PERCO with tax advantages for employees. Targeted at French entrepreneurs and business owners integrating corporate and personal wealth management.
• Placements financiers (Financial placements) Financial placement solutions including assurance-vie (life insurance with tax-efficient death benefits), contrat de capitalisation (capitalization contract for inheritance planning), PEA (equity savings plan with tax-free gains after 5 years up to €150,000), PERP (retirement savings plan with deductible contributions), prévoyance (death/disability/incapacity cover), and Retraite Madelin (mandatory retirement contract for self-employed with tax deductions up to €71,440 annually). Designed for individuals and self-employed professionals building long-term savings and retirement income.
• Ingénierie patrimoniale (Wealth engineering) Wealth engineering advisory covering donation and intergenerational transmission planning with tax optimization, and matrimonial regimes advising couples on optimal property ownership structures (community vs. separation of goods). Aimed at families and individuals preparing wealth transfer and protecting spouses.
• Énergies renouvelables (Renewable energy investments) Renewable energy investment products including bons de caisse (cash certificates enabling participation in renewable energy project financing with guaranteed annual interest rates of 1% to 3.5%, €10,000 minimum subscription, repaid at maturity) and obligations d'entreprise (corporate bonds in renewable energy sectors with fixed returns and capital guarantee). Targeted at investors seeking fixed-income exposure to socially responsible / green investments.

Quantifiable outcome

• €70M assets under management
• +1 more outcomes

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Partner Network (21 Partners)coreOthersH&G Gestion privée maintains relationships with 21 strategic partners across multiple financial product categories: Défiscalisation, Assurance-vie, Pierre-Papier, Immobilier physique, Diversification patrimoniale, Private Equity, and Financier. These partnerships enable the firm to offer comprehensive wealth management solutions to their 650 clients managing €70M in assets.

Scale indicators4 records

Recent moves4 records

Expansion highlights5 records

Direct peers

• Primonial: French independent wealth management group with deep exposure to SCPI, assurance-vie, and patrimonial advisory for HNW clients. Comparable product mix and French tax-optimization specialization, though operating at materially larger scale.
• Cyrus Conseil: Independent French wealth management and family office firm offering multi-product advisory (real estate, tax, financial, retirement) to HNW clients. Highly similar business model, customer base, and independent CIF positioning to La Financière du Cèdre, though at larger scale.
• MeilleurTaux Patrimoine: French wealth/insurance brokerage serving individuals on credit, insurance, and investment advisory. Overlaps with H&G's distribution-led, partner-network model and HNW client base across insurance and tax-optimized products.

Others

• Harvest: Leading French fintech providing software and digital tools to wealth advisors, CPAs, and patrimonial professionals. Adjacent enabler for firms like H&G that lack proprietary technology platforms for client reporting and patrimonial analysis.
• Linxo: French personal finance aggregation and wealth-tracking platform owned by Crédit Agricole. Adjacent infrastructure enabling account aggregation for advisors and end clients competing for the same HNW wallet.

Broad incumbents

• BNP Paribas Wealth Management: The wealth management arm of BNP Paribas serving HNW and UHNW clients across France and globally. Operates as a broad incumbent with overlapping products (assurance-vie, SCPI, transmission) but tied to a major banking group rather than independent.
• Société Générale Private Banking: Private banking division of Société Générale serving HNW clients in France with investment advisory, estate planning, and credit solutions. Directly overlaps H&G's offering but as part of a universal bank platform.

Emerging players

• Yomoni: French robo-advisor providing automated ETF-based portfolio management and assurance-vie. Disrupts the lower end of H&G's addressable market with subscription-based pricing and no advisory fees.
• Nalo: French online wealth manager offering automated, goal-based portfolio management with a digital-first, low-fee model. Targets the same individual investor segment as H&G but via a fully digital self-serve proposition rather than advisor-led.
• Fortuneo Banque: French online broker and bank offering assurance-vie, PEA, and savings products at low cost. Competes for the same French individual investor segment as H&G via a fully digital, low-fee distribution model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/financiere-du-cedre

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 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 LA FINANCIERE DU CEDRE