Amarante Patrimoine

What Amarante Patrimoine does

Amarante Patrimoine et Finance is a French wealth management advisory practice headquartered in Cayenne, French Guiana. The corporate entity was established in November 2018 by Pierre-Olivier COURBE-MICHOLLET, who had been operating his personal wealth advisory practice since 2007 and relocated the business to French Guiana in 2016. The firm operates as a non-CIF (non-regulated investment advisor) wealth cabinet led by the founder, with a team size stated as 1-10 employees.

The firm provides a full-stack private wealth offering covering assurance-vie and capitalisation contracts, Plan Épargne Retraite (PER), Plan Épargne Entreprise (PEE), real estate investments across metropolitan France, French overseas territories, and international markets, plus CIOP (Conseiller en Investissements et Optimisation Patrimoniale) advisory mandates, tax optimization for individuals and businesses, and estate/succession planning. The product surface is broad but built on traditional advisory delivery rather than proprietary technology or digital platforms, with no disclosed AI/ML tooling, automated portfolio construction, or proprietary investment models.

The business model is fee- and commission-based advisory: the firm is remunerated through advisory fees and product placement commissions on the financial and real estate products it distributes and structures for clients. The customer base comprises individual investors in French overseas territories (primarily French Guiana) and small business owners/companies requiring corporate tax optimization. Geographic expansion of real estate offerings to metropolitan France and international markets signals the firm captures outbound investment from its local client base rather than physically expanding offices.

Name

Amarante Patrimoine

Legal name

Amarante Patrimoine et Finance

Website

https://amarantepatrimoine.com

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

1–10 employees

Short description

Amarante Patrimoine et Finance is a founder-led, non-CIF wealth management advisory practice based in Cayenne, French Guiana, serving individual investors and small business owners with assurance-vie, PER, PEE, real estate, tax optimization, 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

Registered Investment Advisor (RIA) Wealth Management (FSAEABAA)

akta.pro secondary industries

Insurance-Integrated Wealth Managers (RIA + Insurance Solutions) (FSAAACAI), Tax-Focused Wealth Management RIAs (FSAAACAD)

Keywords

• Wealth management advisory
• Life insurance brokerage
• Retirement savings planning
• Tax optimization services
• Estate and succession planning

Headquarters

HQ city

Cayenne

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Wealth Management Advisory Services: Advisory fees and/or commissions on financial products including life insurance (assurance-vie), retirement savings plans (PER, PEE), real estate investments, and tax optimization solutions. Revenue likely derived from a combination of advisory fees and product commissions from insurance and investment providers.

Go-to-market motion2 records

Distribution channels1 record

Marketing channels3 records

Core offering

Amarante Patrimoine is a wealth management advisory firm that advises individual clients on personal financial planning, distributing and arranging products such as assurance-vie, PER (retirement savings), PEE (company savings), real estate investments, tax optimization structures, and estate/succession planning. The firm operates without physical branches, serving clients in French Guiana through remote consultations and personal advisory relationships.

Product overview

Amarante Patrimoine et Finance is a non-CIF (non-Conseil en Investissements Financiers) wealth management firm offering a unified portfolio of personalized financial services. The core offering centers on wealth management advisory combining Assurance-vie & Capitalisation, Plan Épargne Retraite (PER), Plan Épargne Entreprise (PEE), Immobilier investments (France/overseas/international), CIOP, Optimisation Fiscale (for individuals and businesses), and Transmission/Succession planning. These solutions are delivered as integrated, tailored services by founder Pierre-Olivier Courbe-Michollet, with support from a network of professional partners (notaries, accountants, bankers, insurers).

Differentiator

Problem solved

Functional benefit

Products and services

• Assurance-Vie (Life Insurance) Advisory and placement of life insurance contracts for individual clients seeking long-term savings and capital protection.
• PER (Plan d'Épargne Retraite - Retirement Savings Plan) Advisory and placement of individual retirement savings plans (PER) for clients building tax-advantaged retirement capital.
• PEE (Plan d'Épargne Entreprise - Company Savings Plan) Advisory and arrangement of company savings plans (PEE) for employees and business owners contributing to collective enterprise savings schemes.
• Immobilier (Real Estate Investment Advisory) Advisory on real estate investment opportunities (including tax-advantaged property vehicles) for individual investors building a diversified asset base.
• Optimisation Fiscale (Tax Optimization) Personal and corporate tax optimization advisory, recommending structures (insurance, PER, real estate, capital vehicles) that reduce the tax burden of clients.
• Transmission / Succession Planning Estate and inheritance planning advisory for clients preparing intergenerational wealth transfer, using insurance, donation, and structuring solutions.

Segments2 records

Ideal customer profiles1 record

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Notaires (Notaries)minorStrategic or Co-development PartnerCollaborative network of notaries providing expertise in estate planning, property transactions, and legal documentation for wealth management and real estate investment operations.

Scale indicators3 records

Recent moves5 records

Expansion highlights4 records

Emerging players

• Linxea: French online wealth management and assurance-vie broker. Comparable in product focus on assurance-vie and tax-optimized savings wrappers, but operates at greater digital scale and serves a national French audience rather than the DOM-TOM niche.
• Goodvest: French digital wealth management startup offering responsible investment advisory. Comparable as a wealth advisory targeting French individual investors, but operating via a digital-first model versus Amarante's local advisory approach.

Direct peers

• Optim Patrimoine: Independent French wealth management advisor focused on tax optimization, assurance-vie, and retirement planning. Comparable as a boutique multi-product wealth advisory serving individual clients across France.
• Patrimonia Groupe: French wealth management advisory firm offering personalized wealth and tax optimization services. Closely comparable as a multi-product wealth advisory targeting individual clients, though operating on the French mainland.

Broad incumbents

• Primonial: Large French wealth management group offering advisory, asset management, and real estate solutions. Comparable in holistic wealth management scope including tax optimization and real estate, but operates nationally at substantially larger scale.
• La Française Group: Established French asset manager and wealth advisor with multi-product offerings. Comparable in advisory scope and investment product breadth, but at institutional scale rather than a solo practitioner model.
• Caisse d'Épargne: Major French regional banking group with retail wealth management, assurance-vie, and advisory services. Comparable in product offering and target client segment; notably, Amarante's founder was previously employed by its Rhône-Alpes branch.
• Boursorama Banque: Major French online bank offering assurance-vie, PER, and brokerage products. Overlaps with Amarante on retail wealth management products, but serves a national mass-market audience with a low-cost digital model.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/alizes-patrimoine-antillesguyane

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Amarante Patrimoine