LACOUR CONSEIL ET PATRIMOINE

What LACOUR CONSEIL ET PATRIMOINE does

LACOUR CONSEIL ET PATRIMOINE, operating under the trade name LCP Partners, is an independent French wealth management advisory firm (conseiller en gestion de patrimoine, or CGP) founded in Dijon in 2008 by Julien Lacour, a former private banking professional, alongside Aurore Lacour, a business law jurist with 20 years of experience. The firm operates with a small specialized team (stated 1-10 employees) and serves private individuals and business owners across France through in-person consultations at its Dijon headquarters and remote delivery via video conference and telephone. Its core technology is the proprietary Score Patrimonial LCP™, an in-house wealth scoring tool that produces a 0-100 score across allocation, taxation, risk, and transmission dimensions with personalized recommendations; the tool is offered free of charge as a lead-generation asset. The product catalogue spans financial placements (SCPI real estate funds, assurance vie contracts managed via Spirica Private 2 / Montségur Finance, PER retirement plans via PERtinence Retraite) and tax-advantaged real estate strategies (LMNP, Déficit Foncier, Loi Malraux, Nue-propriété), all delivered through independent advisory engagements rather than proprietary product distribution.

The firm operates a transaction-fee-driven revenue model in which the primary income stream is commission retrocessions from product providers (insurance companies and asset managers), disclosed to clients under MiFID II and DDA regulations; a secondary stream comprises fixed upfront fees for pure advisory mandates such as in-depth patrimony analysis, wealth engineering, and transmission support. Required regulatory credentials include CIF status via ANACOFI-CIF under AMF supervision, ORIAS registration n°09046561 as courtier en assurance category B, MIA mandate for insurance intermediation, and Carte T for real estate transactions issued by CCI Côte-d'Or. Go-to-market is sales-led and content-driven, anchored by the free initial bilan patrimonial assessment, an editorial blog, free simulators, and the quarterly La Chronique newsletter; brand reputation is evidenced by 150+ verified Google reviews with a 5/5 average rating, described by the firm as unique in the Côte-d'Or region.

The firm explicitly markets itself as 100% independent with no banking capital ties, allowing open-architecture product selection across competing providers (Arkéa REIM, Edmond de Rothschild REIM, Iroko for SCPI; Montségur Finance, PERtinence Retraite for managed mandates). Ownership is founder-controlled, with no disclosed institutional, private equity, or venture capital investment, no parent company, and no subsidiaries.

Name

LACOUR CONSEIL ET PATRIMOINE

Legal name

LCP Partners

Website

https://lcp-partners.fr

Company type

Private

Founded year

2008

Operating status

Operating

Headcount range

1–10 employees

Short description

LACOUR CONSEIL ET PATRIMOINE (LCP Partners) is an independent French wealth management advisory firm founded in 2008 in Dijon, serving private individuals and business owners across France with comprehensive patrimony, tax optimization, retirement, and estate planning services.

Ownership category

akta.pro rank

Product category

Wealth Management Advisory

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro primary industry

Financial Planning–Led RIAs (FSAAACAB)

Keywords

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

Headquarters

HQ city

Dijon

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. Commissions rétrocessions (retrocessions de commissions): The firm receives commission retrocessions from financial solution providers (insurance companies, asset management companies) when placing products for clients. These are fully disclosed to clients per MIF 2 and DDA regulations. This is the primary revenue model.
2. Honoraires pour conseil pur: Fixed fees communicated in advance for pure advisory missions (in-depth analysis, wealth engineering, transmission support).

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

LACOUR CONSEIL ET PATRIMOINE (LCP Partners) is an independent wealth management advisory firm that delivers holistic patrimony advice covering financial investments (SCPI, Assurance Vie, PER), tax-advantaged real estate strategies (LMNP, Déficit Foncier, Loi Malraux, Nue-propriété), tax optimization, retirement preparation, and estate transmission. Its offering is anchored by a proprietary Score Patrimonial LCP™ diagnostic tool and a free Bilan Patrimonial assessment that generate leads for CIF-certified advisors providing personalized strategic recommendations across France.

Product overview

LACOUR CONSEIL ET PATRIMOINE (LCP Partners) is a wealth management advisory firm offering a comprehensive portfolio of financial products and services. The core offering centers on the proprietary Score Patrimonial LCP tool for wealth analysis, supplemented by a range of investment products including SCPI real estate funds, Assurance Vie life insurance, and PER retirement savings plans. The firm also provides specialized real estate investment strategies (LMNP, Déficit Foncier, Loi Malraux, Nue-propriété) and advisory services for tax optimization, retirement preparation, and wealth creation. Services are delivered through independent advisors in Dijon with national coverage via videoconference.

Differentiator

Problem solved

Functional benefit

Products and services

• Bilan Patrimonial Gratuit

Quantifiable outcome

• 150+ verified Google reviews with 5/5 average rating

Named customers2 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Two partnerships are on record, tiered minor.

• ANACOFI-CIFminorOthersProfessional association for financial investment advisors (Conseillers en Investissements Financiers). LCP Partners is a member, with its CIF status regulated by the AMF (Autorité des Marchés Financiers).
• ORIASminorOthersUnique registry for insurance, banking, and finance intermediaries in France. LCP Partners is registered (number 09046561) as an insurance broker (courtier) category B.

Scale indicators4 records

Recent moves7 records

Expansion highlights5 records

Emerging players

• Nalo: French online wealth manager and robo-advisor focused on passive investing, life insurance wrappers and PER for retail-affluent clients. Comparable in serving French individuals with wealth and retirement products; differs via fully digital delivery rather than personal advisory.
• Ramify: French digital wealth manager offering life insurance, PER and private equity products via an online platform to retail-affluent clients. Comparable target clientele and product set; digital-only delivery contrasts with LCP's advisory-led model.

Direct peers

• Netinvestissement: French independent wealth advisory firm providing personalized patrimony advisory and financial product placement to private clients. Comparable in business model (independent CIF), product offerings, and target clientele of French particuliers and chefs d'entreprise.
• Haussmann Patrimoine: Major French independent wealth management advisory firm offering financial, real estate and tax advisory to private individuals and business owners. Directly comparable to LCP: same independence positioning, similar product mix (SCPI, AV, PER, immobilier), and a freemium/bilan patrimonial-style acquisition approach.

Broad incumbents

• Lazard: Global financial advisory and asset management firm with a French private banking / wealth arm serving UHNW and family-office clients. Comparable in wealth advisory and asset allocation; broader franchise and far larger AUM than LCP, with significant scale advantages.
• BNP Paribas Wealth Management: Private banking arm of BNP Paribas serving high-net-worth individuals with advisory, discretionary management and lending. Comparable in clientele and product range; bank-affiliated, in direct positioning contrast with LCP's independent stance.
• Edmond de Rothschild: Swiss/French private banking and wealth management group serving private clients with advisory and asset management. Comparable in serving French-resident affluent clients; produces EDR Europa SCPI (one LCP recommends) and operates at scale far beyond LCP.

Others

• Harvest: French fintech providing software and digital tooling (CRM, financial planning, simulation) for wealth advisors, CGPs and family offices. Ecosystem enabler rather than competitor: many French CGPs, including potentially LCP, use Harvest tools in their advisory workflows.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/lcp-partners

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 LACOUR CONSEIL ET PATRIMOINE