FIPAGEST

What FIPAGEST does

FIPAGEST SAS is a French wealth management advisory firm founded on April 8, 1993 by Xavier MIRAVETE and headquartered in Reims, with by-appointment offices in Paris and Troyes. Operating as a Société par actions simplifiée with €1,000,000 of capital, the firm is registered with ORIAS (n°07 001 060) as both an insurance broker (category B) and a Conseiller en investissements financiers (CIF), is supervised by the AMF and ACPR, and is a member of CNCGP. Since 2022, FIPAGEST has been part of Groupe INSINIA (formerly Groupe Astoria Finance), a French network of 40 advisory offices federated under a private wealth management pole.

The firm delivers personalized patrimonial advisory services to two segments: individuals (Particuliers) and companies/associations (Entreprises et Associations). Service scope covers comprehensive wealth analysis (financial, fiscal, estate), investment policy implementation, OPCVM and life-insurance allocation, real estate financing, retirement preparation, and wealth transmission planning. Delivery is relationship-led: each client is assigned a single dedicated Financial Investment Advisor who manages both personal and professional projects, supported by an internal back-office and a third-party private online portal (Espace Privé) that gives clients daily visibility into consolidated investment positions.

FIPAGEST generates revenue from three commission streams: retrocessions on financial instruments (OPCVM) where advisory converts into intermediation, insurance brokerage commissions on life-insurance and savings products placed with 13+ carriers, and fees on real estate and business-asset transactions. Distribution is multi-product: the firm is partnered with 13+ insurance companies (Allianz, AXA, Cardif, Generali, SwissLife, etc.), 20+ asset managers (Amundi, Carmignac, Pictet, Rothschild, Tikehau, etc.), real estate developers (Bouygues Immobilier, Corum, Pichet, etc.), and distribution platforms (Nortia, Primonial, ODDO, Epsens). The firm employs six named team members, has no disclosed revenue or AUM, and relies on professional referrals and regulatory credentials rather than digital marketing for client acquisition.

Name

FIPAGEST

Legal name

FIPAGEST

Website

https://fipagest.com

Company type

Private

Founded year

1993

Operating status

Operating

Headcount range

1–10 employees

Short description

FIPAGEST is a French CIF and insurance broker founded in 1993, based in Reims with by-appointment offices in Paris and Troyes. It delivers personalized wealth management advisory covering investment, retirement, estate, tax, and real estate planning to individuals, companies, and associations, and is a member of Groupe INSINIA.

Ownership category

akta.pro rank

Product category

Wealth Management Advisory

NAICS

Portfolio Management and Investment Advice (523940), Insurance Agencies and Brokerages (524210), Trust, Fiduciary, and Custody Activities (523991)

SIC

Investment Advice (6282), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Trust & Fiduciary Advisory for HNW/UHNW (Trust Structuring & Trustee Oversight) (FSAAABAF)

akta.pro secondary industries

Fiduciary Investment Management (Trust Portfolios) (FSAEAKAI), Family Office Trust & Fiduciary Services (FSAEAKAF), Trust & Estate Tax Planning & Compliance (FSAEAKAE)

Keywords

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

Headquarters

HQ city

Ceyzériat

HQ country

France

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Financial Advisory Commissions: The firm receives commissions on financial instruments (OPCVM) when advisory services are followed by intermediation activities. FIPAGEST can receive up to 50% of management fees on bond, monetary, or equity OPC funds. Additionally, retrocession of commissions can be received from providers, banks, or insurance companies for intermediation activities.
2. Insurance Brokerage Fees: As a category B insurance broker (courtier en assurance), FIPAGEST earns commissions from insurance companies for placing insurance products with clients.
3. Real Estate Transaction Fees: The firm holds a professional card for real estate and business asset transactions, earning fees from property and commercial asset transactions.

Go-to-market motion1 record

Distribution channels5 records

Marketing channels3 records

Core offering

FIPAGEST is a French independent wealth management advisory firm founded in 1993 that provides personalized patrimonial studies, financial investment advice, insurance brokerage (life insurance, prévoyance, retraite, épargne), and real estate transaction support to individuals, businesses, and associations. The firm operates under ORIAS registration and partners with multiple insurance companies, asset managers, and real estate developers to deliver non-captive product recommendations, supported by a private online client portal for ongoing asset follow-up.

Product overview

FIPAGEST offers a comprehensive wealth management advisory service centered around a private online client portal. The core offering consists of patrimonial studies and personalized financial investment advice for individuals, businesses, and associations. The private online space (Espace Privé En Ligne) serves as the primary digital interface where clients can monitor their consolidated investment positions daily. Services are delivered through a team of financial investment advisors and include portfolio management strategy, retirement planning, estate transmission planning, tax optimization, and real estate financing analysis.

Differentiator

Problem solved

Functional benefit

Products and services

• Bilan Patrimonial (Patrimonial Study) A holistic diagnostic service for individuals, families, businesses, and associations that maps existing assets, liabilities, and objectives into a structured patrimonial review that informs subsequent recommendations.
• Placements Financiers (Financial Investment Advisory) Independent advisory service helping clients select and follow financial investments distributed through the firm's partner asset management companies, offered to private clients (Particuliers) as well as businesses and associations.
• Assurance Vie (Life Insurance Brokerage) Life insurance brokerage service placing clients with partner insurance companies, provided to individuals, professionals, businesses, and associations.
• Prévoyance, Retraite, Épargne (Protection, Retirement, Savings) Brokerage service covering prévoyance (income protection), retraite (retirement), and épargne (savings) products, distributed via partner insurance companies to both individual and corporate clients.
• Accompagnement Entreprise & Association Tailored advisory service for French SMEs, professionals, and non-profit associations that bundles financial, insurance, and real estate advisory into a recurring client relationship.
• Acquisition Immobilière & Marchand de Biens (Real Estate Acquisition Support) Real estate advisory service supporting property acquisition strategy and marchand de biens activity, leveraging the firm's partnerships with real estate developers to source and structure deals.
• Espace Privé En Ligne (Secure Online Client Portal) A secure private online portal that allows FIPAGEST clients to follow the status of their assets and contracts 24 hours a day, 7 days a week, complementing the firm's in-person advisory meetings.

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

Partnerships

Ten partnerships are on record, tiered core, secondary and minor.

• Groupe ASTORIA FINANCEcoreStrategic or Co-development Partner · 1 January 2022FIPAGEST joined Groupe Astoria Finance in 2022, contributing to the creation of the group's private wealth management division, now embodied by the INSINIA brand which federates several specialized firms around excellence requirements.
• INSINIA (Groupe)coreStrategic or Co-development PartnerINSINIA is the brand representing the private wealth management pole of Groupe Astoria Finance, bringing together exceptional advisory firms with a shared vision of demanding, expert, and tailored client support.
• CNCGP (Chambre nationale des conseils en gestion de patrimoine)coreOthersFIPAGEST is a member of CNCGP, an association approved by AMF (Autorité des marchés financiers), ensuring compliance with professional standards.
• AMC VIE, ALLIANZ, AXA FRANCE VIE, CARDIF, GENERALI, SPIRICA, SURAVENIR, SWISSLIFE (Insurance Partners)coreChannel Partner/ Reseller/ Distributor13 insurance company partners with which FIPAGEST works as a category B insurance broker, offering life insurance, savings, and retirement products.
• Amundi, Carmignac, Pictet, Rothschild, Tikehau Capital, Amiral Gestion, Comgest, DNCA (Asset Management Partners)coreChannel Partner/ Reseller/ DistributorOver 20 asset management companies providing investment products that FIPAGEST recommends to clients, including OPCVM funds.
• Bouygues Immobilier, Corum, Pichet, PERL, DOMITYS, Catella, Paref Gestion (Real Estate Partners)secondaryChannel Partner/ Reseller/ DistributorReal estate development partners for property investment products offered to clients seeking real estate allocation.
• Nortia Invest, Primonial, ODDO, Epsens (Distribution Platforms)secondaryChannel Partner/ Reseller/ DistributorDistribution platform partners for wealth management products and services.
• MMA IARD Assurances MutuellescoreOthersProfessional liability insurance and financial guarantee provider for FIPAGEST's regulatory compliance.
• Champagne BasketminorOthersRegional basketball club sponsorship for brand visibility.
• Stade de ReimsminorOthersLigue 1 football club sponsorship for local brand visibility.

Scale indicators2 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Herez Conseil: French multi-family office and patrimony advisory firm of comparable scale, advising HNW clients on wealth transmission, investment, and tax — directly mirroring FIPAGEST's combined wealth-management and estate-planning service menu.
• Cyrus Conseil: Independent French wealth management advisory firm (CIF) serving HNW/UHNW families and entrepreneurs with a multi-advisor partnership model closely comparable to FIPAGEST's boutique, family-style approach.
• Crystal Finances: Network of independent French wealth advisory cabinets distributing life insurance, asset management, and real estate products via an open-architecture model, directly comparable to FIPAGEST's broad multi-provider distribution approach.
• Epsens: French patrimony advisory network operating as an open-architecture CIF distributing third-party insurance and investment products — directly comparable to FIPAGEST and one of its explicit distribution partners.

Broad incumbents

• Natixis Wealth Management: Private banking and wealth advisory arm of Groupe BPCE/Natixis, offering investment, financing and estate advisory to HNW/UHNW clients across France and internationally — a much larger incumbent competing for the same client segment.
• Primonial: Major French wealth management group offering insurance, asset management, and advisory solutions through a large CIF and partner-advisor network — a current FIPAGEST partner and a broad incumbent in the same segment.
• Lombard Odier: Swiss-headquartered private bank and wealth manager offering investment advisory, estate planning, and family-office services to HNW/UHNW families globally — a broad European incumbent whose holistic wealth offering makes it a benchmark comparable to FIPAGEST.
• Indosuez Wealth Management: Crédit Agricole Group's private banking subsidiary providing wealth advisory, investment, and fiduciary services to HNW/UHNW clients across Europe, Asia and the Middle East — a scaled incumbent comparable on service breadth though much larger.

Emerging players

• Nortia Invest: French wealth management and distribution platform aggregating CIFs and offering open-architecture products to advisors and clients; an existing FIPAGEST partner that competes as a network-led alternative to independent CIFs.
• ODDO BHF (ODDO Patrimonial): European Franco-German banking group with a patrimonial/advisory arm serving HNW clients across Germany, France, and Switzerland; comparable to FIPAGEST in segment but materially larger in scale and product breadth.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/fipagest

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 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 FIPAGEST