TANGUY CONSEIL

What TANGUY CONSEIL does

Tanguy Conseil is a privately held French wealth management advisory firm structured as a SAS (Société par Actions Simplifiée) with share capital of €486,790, headquartered at 34 Quai de l'Odet in Quimper, Brittany. The firm operates under SIREN 502 350 481 and is led by Patrick Tanguy (Directeur Général and data controller) and Manuel Parent (Président). It holds ORIAS registration 17005601 and operates three stacked regulated activities: CIF (Conseiller en Investissements Financiers) under AMF/CNCGP oversight, COA category B (Courtier en Assurance) under ACPR oversight, and ITI (Intermédiation en Transactions Immobilières) under DGCCRF oversight, with the latter supported by professional card CPI 2903 2017 000 015 723 issued by CCI Bretagne Ouest.

The firm's core offering combines patrimonial analysis (€500–€1,200 ex-VAT per dossier), specific audits covering retirement, insurance, and succession, hourly advisory at €130 ex-VAT, and commission-based distribution of financial products from a broad promoter shelf anchored by La Financière d'Orion and including Alptis, Generali, Suravenir, Oradea, SwissLife, Eres, Nortia, Cardif, April, Hodeva, Epsens, and One Life, alongside real estate schemes such as SCPI, OPCI, Malraux, Pinel, LMNP, and LMP. The technology footprint is minimal — described as a dedicated client-contact management tool plus Google Analytics on a Wix-hosted website that was still marked "coming soon" as of 2024 — with no proprietary AI/ML, API, or platform components disclosed.

The go-to-market is sales-led, direct, and geographically local: the firm serves individual French clients primarily in Brittany via in-person, video, phone, and email advisory. Marketing is limited to direct relationships, professional referrals, and regulatory visibility through ORIAS, AMF, and ACPR listings, with no disclosed digital acquisition or content engine. Professional liability is covered by MMA IARD at €3.2M (CIF/ITI) and €3.5M (IAS) per claim, with financial guarantees of €115k (IAS) and €110k (ITI), and the firm has integrated SFDR/Taxonomy ESG screening and Principal Adverse Impact (PAI) consideration into its product selection process.

Name

TANGUY CONSEIL

Legal name

TANGUY CONSEIL

Website

https://tanguyconseil.fr

Company type

Private

Operating status

Operating

Short description

Tanguy Conseil is a Quimper-based French wealth management advisory firm providing financial investment advisory (CIF), insurance brokerage (COA), and real estate intermediation (ITI) to individual clients in Brittany under multi-regulator oversight.

Ownership category

akta.pro rank

Product category

Wealth Management Advisory

NAICS

Portfolio Management and Investment Advice (523940), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Investment Advice (6282), Insurance Agents, Brokers & Service (6411), Real Estate Agents & Managers (For Others) (6531)

akta.pro industry

PRIMARYFSAAACAI

Insurance-Integrated Wealth Managers (RIA + Insurance Solutions)

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

SECONDARYFSAEABAA

Registered Investment Advisor (RIA) Wealth Management

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Wealth & Retirement Advisory

Keywords

• Wealth management advisory
• Financial investment advice
• Insurance brokerage
• Patrimonial analysis
• Estate planning

Headquarters

HQ city

Quimper

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Financial Advisory Fees (Honoraires): For CIF (financial advisory) activities, the firm charges honoraries for Analysis Patrimoniale (Patrimonial Analysis) and specific audits (retirement, insurance, estate planning) ranging from 500 to 1,200 EUR excl. VAT based on dossier complexity. Additional advisory work is billed at 130 EUR excl. VAT per hour. Annual retainer options may be available for simplified billing.
2. Commissions on Financial Products: The firm receives commissions on financial products distributed to clients, including up to 90% of management fees collected on products sold. For non-independent financial advice, the advisor may retain commissions from product promoters and intermediaries. Commissions and retrocessions are disclosed in the adequacy report provided to clients.
3. Insurance Brokerage Commissions: As a COA (Courtier en Assurance) category B broker, the firm earns commissions from insurance companies including La Financière d'Orion, Alptis, Generali, Suravenir, Oradea, SwissLife, Eres, Nortia, Cardif, April, Hodeva, Epsens, and One Life for insurance products placed.
4. Real Estate Transaction Commissions: As an ITI (Intermédiaire en Transactions Immobilières), the firm earns commissions from real estate transactions, which are a variable fraction of commercialization fees up to 100%, as specified in the property reservation contract.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels2 records

Core offering

TANGUY CONSEIL delivers regulated wealth management advisory to individual French clients under three authorizations: CIF for financial investment advice, COA for insurance brokerage, and ITI for real estate transaction intermediation. Services encompass Patrimonial Analysis, specialized audits for retirement, prévoyance, and succession, plus distribution of financial and insurance products from partner promoters such as La Financière d'Orion, Alptis, Generali, Suravenir, and others.

Product overview

TANGUY CONSEIL is a financial wealth management advisory firm offering three core regulated services: CIF (Conseiller en Investissements Financiers) for financial investment advisory, COA (Courtier en Assurance) for insurance brokerage, and ITI (Intermédiation en Transactions Immobilières) for real estate transactions. The CIF service includes Patrimonial Analysis and specific audits (retirement, insurance, succession) as modular offerings. The COA service provides Level 1 insurance advisory, while ITI covers real estate investment schemes including SCPI, OPCI, Malraux, Pinel, LMNP, and LMP. All services operate under ORIAS registration and regulatory oversight from AMF and ACPR.

Differentiator

Problem solved

Functional benefit

Products and services

• CIF (Conseiller en Investissements Financiers) Regulated non-independent financial investment advisory service provided under ORIAS 17005601 and AMF oversight (via CNCGP). Includes Patrimonial Analysis, specific audits (retirement, prévoyance, succession), and advisory on financial instruments from a restricted universe of partner promoters (La Financière d'Orion, Orion Invest, Nortia Invest, Alpheys, Eres, Epsens, Extendam, Vatel Capital, NextStage, France Valley, Calao, Irbis, Hottinguer, Remake, Entourage Ventures).
• COA (Courtier en Assurance) Category B insurance brokerage service controlled by ACPR, not bound by exclusivity with any insurer. Delivers Level 1 advisory to align insurance contracts with client needs and places business with multiple partner insurers including La Financière d'Orion, Alptis, Generali, Suravenir, Oradea, SwissLife, Eres, Nortia, Cardif, April, Hodeva, Epsens, and One Life.
• ITI (Intermédiation en Transactions Immobilières) Real estate transaction intermediation service under ITI professional card N° CPI 2903 2017 000 015 723 (CCI de Bretagne Ouest), controlled by DGCCRF. Covers investment schemes including SCPI, OPCI, pleine propriété, nue-propriété, Malraux, MH, Pinel, LMNP, and LMP, with partner real estate operators such as Cerenicimo, Nexity, Leemo, and Espace Habitat.
• Analyse Patrimoniale Comprehensive patrimonial analysis evaluating the client's financial situation, objectives, investment horizons, and constraints. Billed as a standalone mission at €500–€1,200 excl. VAT depending on dossier complexity (€600–€1,440 incl. VAT). May be absorbed into commissions on business written at the advisor's discretion.
• Audits Spécifiques (Retraite, Prévoyance, Succession) Specialized audit engagements covering retirement planning, insurance provision (prévoyance), and estate succession. Billed at €500–€1,200 excl. VAT based on complexity. Sold as discrete advisory missions complementing the broader Patrimonial Analysis.
• Conseil en Investissement Financier (ongoing advisory) Recurring financial investment consultation service including annual client contact obligations met via physical meetings, video conferencing, or email exchanges, supported by dedicated client contact management software. Billed at €130 excl. VAT per hour (€156 incl. VAT) or via an annual retainer (forfait annuel).

Quantifiable outcome

• Professional liability coverage: CIF 3.2M€ per claim, IAS 3.5M€ per claim, ITI 3.2M€ per claim
• +1 more outcomes

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Partnerships

Six partnerships are on record, tiered core.

• La Financière d'OrioncoreChannel Partner/ Reseller/ DistributorPrimary strategic partner for financial product distribution. La Financière d'Orion is the entity that authorizes Tanguy Conseil to commercialize financial products. Tanguy Conseil is part of the La Financière d'Orion network, receiving product authorization and commercial support.
• CNCGP (Chambre Nationale des Conseillers en Gestion de Patrimoine)coreOthersProfessional association for financial advisors, agréée par l'AMF. Tanguy Conseil is registered with CNCGP and adheres to its code of professional conduct.
• ORIAS (Organisme pour le Registre des Intermédiaires en Assurance, Banque et Finance)coreOthersFrench regulator for insurance, banking and finance intermediaries. Tanguy Conseil is registered under number 17005601.
• AMF (Autorité des Marchés Financiers)coreOthersFrench financial markets regulator controlling CIF activities. Tanguy Conseil's CIF activity is controlled by AMF, address: 17 place de la Bourse 75082 Paris cedex 02.
• ACPR (Autorité de Contrôle Prudentiel et de Résolution)coreOthersFrench prudential supervisory authority controlling insurance brokerage activities. Tanguy Conseil's COA activity is controlled by ACPR, address: 4 Place de Budapest - 75436 PARIS CEDEX 09.
• MMA IARDcoreOthersInsurance provider for professional liability and financial guarantees. Policy number 112786342/221826. CIF coverage: 3,200,000€ per claim; IAS: 3,500,000€ per claim with 115,000€ financial guarantee; ITI: 3,200,000€ per claim with 110,000€ financial guarantee.

Scale indicators2 records

Recent moves6 records

Expansion highlights3 records

Broad incumbents

• Natixis Wealth Management: Banking-affiliated French private wealth manager providing advisory and discretionary management to high-net-worth clients; larger incumbent with overlapping wealth services.
• Invee (formerly Primonial): Large French wealth manager offering advisory, insurance and real estate products at scale; broader incumbent serving similar client needs but operating with significantly larger balance sheet and product range.
• BNP Paribas Wealth Management: Universal bank's private wealth arm offering holistic advisory, insurance and real-estate investment solutions; large incumbent whose comprehensive offering competes for the same affluent client segment.

Others

• Alptis: French mutuelle/insurance broker partner named in Tanguy Conseil's COA agreements; adjacent insurance intermediary ecosystem participant rather than a direct wealth advisory competitor.

Direct peers

• La Financière d'Orion: Parent network that authorizes Tanguy Conseil to commercialize financial products; comparable French wealth management platform combining CIF advisory with multi-product distribution via affiliated cabinets.
• Cyrus Conseil: Independent French wealth management advisor offering patrimonial analysis, CIF/COA services to individuals; directly comparable in service mix, regulatory positioning and mid-market client focus.
• Vega Investment Managers: Independent French wealth advisor focused on private client investment and patrimonial advisory; directly comparable mid-sized CNCGP-style competitor.
• Montségur Finance: Boutique French wealth advisory firm providing gestion de patrimoine, retirement and estate planning to retail clients; comparable scale and service-portfolio model.

Emerging players

• MeilleurPlacement: French online savings and wealth advisory comparator/broker; emerging fintech player offering product comparison and advisory tools that encroach on traditional CIF advisory workflows.
• Nalo: French online wealth management platform targeting retail investors with personalized, automated patrimonial advisory; emerging digital competitor addressing the same middle-class wealth client with lower fees.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

Compliance8 records

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 TANGUY CONSEIL