What KARDINAL IMMO does

KARDINAL INVEST (doing business as KARDINAL, operating website kardinal.cab) is an independent private wealth management cabinet founded in 2007 in Saint-Raphaël, France, and serving high-net-worth individuals, business owners, and executives along the French Riviera. The firm is structured as a Société par Actions Simplifiée (SAS) under founder-owner Hervé Bovet, with no external institutional investors, holding companies, or public listing. It operates from two locations: a registered headquarters at 104 Voie Denis Papin in Saint-Raphaël and a commercial service office at 29 avenue Pastorelli in Nice. The firm is regulated as a Conseil en Investissements Financiers (CIF, n° E003931) via ANACOF-CIF accredited by the AMF, an ORIAS-registered insurance intermediary (n° 07035103) under ACPR supervision, and holds an insurance agent card issued by the CCI du Var.

The offering is organized around three core service pillars and several supplementary productized assets. KARDINAL Invest delivers financial advisory and investment management across financial and real-estate asset classes. KARDINAL Assurances provides insurance brokerage for individuals (family, residence, vehicles) and professionals (premises, equipment, liability, décennale, employee benefits), placing coverage with carrier partners including Allianz. K-Family is a tiered succession and heritage diagnostic service (Essentiel, Équilibre, Excellence) priced from 750 euros TTC, scoped by family complexity and total asset volume. Supporting sub-brands include the KARDI mini-audit suite (KARDI Retraite, KARDI Luxembourg, KARDI Dirigeant.e) which use AI-assisted questionnaires to generate personalised analyses, K-News editorial content on Dutreil pacts and transmission topics, K-Elite weekly market synthesis, and K-Prime, a curated referral network of notaries, lawyers, and accountants. There is no proprietary technology platform disclosed; the business is positioned as a traditional, human-scale advisory practice.

KARDINAL runs a relationship-based, sales-led go-to-market model targeting HNW clients and business owners with 10-year planning horizons. Distribution is direct and field-led with discovery meetings and multi-year advisory mandates; no digital self-serve or marketplace channels exist. Marketing relies on referrals, a LinkedIn presence, content marketing through K-News and the KARDI diagnostic tools, and downloadable brochures (KARDI List), with no paid advertising. Revenue derives from advisory fees on CIF mandates, commission-based insurance brokerage, and fixed-fee succession diagnostics — a professional-services revenue model with multi-year client engagement structures. The senior team is small (approximately 5 named professionals, including founder-president Hervé Bovet, Director of Private Wealth Management Franck Bennardi, Director of Insurance Philippe Barbier, Senior Advisor Eric Arnaud, and an executive assistant).

Name

KARDINAL IMMO

Legal name

KARDINAL INVEST

Website

https://kardinal.cab

Company type

Private

Founded year

2007

Operating status

Operating

Headcount range

11–50 employees

Short description

KARDINAL INVEST (KARDINAL) is an independent French private wealth management cabinet on the French Riviera, providing investment advisory, insurance brokerage, and family succession-planning diagnostics for high-net-worth individuals, entrepreneurs, and business executives through long-horizon relationship-based advisory engagements.

Ownership category

akta.pro rank

Product category

Private Wealth Management

NAICS

Portfolio Management and Investment Advice (523940), Portfolio Management and Investment Advice (52394)

SIC

Investment Advice (6282)

akta.pro primary industry

Comprehensive/Full-Service RIAs & Independent Wealth Managers (FSAAACAA)

akta.pro secondary industry

Registered Investment Advisor (RIA) Wealth Management (FSAEABAA)

Keywords

• Private wealth advisory
• Investment advisory
• Insurance brokerage
• Estate planning
• Business succession

Headquarters

HQ city

Saint-raphaël

HQ country

France

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Wealth Management Advisory: Consulting fees for private wealth management, investment advisory, and estate planning services. Revenue generated through advisory mandates and ongoing client relationships.
2. Insurance Brokerage: Commission-based revenue from insurance brokerage for both individuals and professionals, covering property, liability, life, and business insurance products.
3. K-FAMILY Succession Planning: Fixed-fee succession planning diagnostic service with three pricing tiers (Essentiel, Equilibre, Excellence) starting from 750 euros TTC.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

KARDINAL is an independent French private wealth advisory cabinet founded in 2007 that delivers bespoke Gestion Privée (private wealth management) services for individuals, entrepreneurs and business leaders. Its core offerings span three pillars: KARDINAL Invest (financial advisory and portfolio management), KARDINAL Assurances (insurance brokerage for individuals and professionals), and K-Family (succession and inheritance planning). Services are coordinated in-house and executed through regulated partners, with a 10-year planning horizon.

Product overview

KARDINAL is an independent financial advisory firm offering a unified private wealth management platform centered on three core services: KARDINAL Invest (financial advisory and investment management), KARDINAL Assurances (insurance brokerage), and K-Family (succession planning). The company differentiates through its 'KARDI' diagnostic tools (KARDI Retraite, KARDI Luxembourg, KARDI Dirigeant.e) which are mini-audits using AI-generated analysis to assess client profiles. Supplementary offerings include K-News (educational content), K-Prime (business referrals), and K-Elite (market intelligence). The firm operates from Saint-Raphaël and Nice, France, serving entrepreneurs, business owners, and high-net-worth individuals.

Differentiator

Problem solved

Functional benefit

Brands

• K-Invest: Investment and savings management services under the KARDINAL private wealth management umbrella.
• K-Family
• KARDI's
• KARDINAL Assurances
• K-Prime

Products and services

• KARDINAL Invest
• KARDINAL Assurances
• K-Family
• K-Elite

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Five partnerships are on record, tiered supporting.

• Azam Darley AssociéssupportingImplementation/ SI/ Consulting PartnerInternational business lawyers providing legal expertise for complex cross-border transactions and business succession matters.
• Healthy ManagementsupportingStrategic or Co-development PartnerHR management and strategy consultancy for business executives, helping manage leadership and organizational challenges for business owner clients.
• Network of Notaries, Lawyers, and AccountantssupportingImplementation/ SI/ Consulting PartnerRegulatory compliance partners for implementation of succession structures, legal acts, and financial architectures recommended in advisory engagements.
• Aon FrancesupportingChannel Partner/ Reseller/ DistributorInsurance broker providing professional liability (RC Pro) and financial guarantees for the firm's regulatory requirements (RC Pro & Garantie Financière).
• AllianzsupportingChannel Partner/ Reseller/ DistributorInsurance company partner for insurance brokerage services, providing coverage products for clients.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Bessé: Bessé is one of France's largest independent insurance brokerages and patrimonial advisors, founded in 1983. Comparable to KARDINAL as a French non-bank insurance and wealth advisory intermediary serving business owners and HNWs, though at significantly greater scale.
• Pictet Group: Swiss private wealth and asset manager with strong European HNW presence. Comparable to KARDINAL on private wealth management for entrepreneurial families, though operating at much larger scale and with proprietary investment capabilities.
• Rothschild & Co: Independent global advisory group with strong French private banking and family office services for ultra-HNW clients. Comparable to KARDINAL on independent advisory positioning and family wealth management, though at vastly greater scale.
• Lombard Odier: Swiss private bank with significant France operations serving HNW families and entrepreneurs on wealth structuring and succession. Comparable to KARDINAL on cross-border succession planning and long-horizon family wealth advisory.
• Indosuez Wealth Management: Crédit Agricole's wealth management subsidiary offering investment advisory and patrimonial services to HNWs globally, including France. Overlaps with KARDINAL in serving French entrepreneur and family wealth clients, but at much larger scale and broader international reach.
• BNP Paribas Wealth Management: The private banking arm of BNP Paribas serving HNW and entrepreneur clients in France with investment advisory, financing, and estate planning. Comparable to KARDINAL as a wealth advisory provider to French HNWs, though KARDINAL positions against it on independence.
• Société Générale Private Banking: Société Générale's HNW and entrepreneur advisory division with strong Côte d'Azur presence. Comparable to KARDINAL in serving the same French Riviera HNW and business owner segments, but as part of a global bank with broader product set.
• Edmond de Rothschild: Swiss-French private banking group focused on HNW entrepreneurs and family wealth management. Comparable to KARDINAL on private wealth advisory and family succession, though at significantly larger scale and with broader international scope.

Emerging players

• Nalo: French digital wealth manager offering automated investment advisory and life insurance products to individual and HNW clients. Comparable to KARDINAL on serving French clients with wealth advisory and life insurance, but with a fully digital, lower-cost model.
• Yomoni: French robo-advisor offering automated portfolio management and life insurance solutions via a regulated CIF. Comparable to KARDINAL as a French wealth advisory alternative, though targeting mass-affluent rather than entrepreneur/HNW segment.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/kardinal-invest

Compliance3 records

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 KARDINAL IMMO