partenariat patrimoine

What partenariat patrimoine does

Partenariat Patrimoine is a privately held, founder-owned French wealth management advisory firm (cabinet de conseil en gestion de patrimoine) headquartered in La Chapelle-sur-Erdre at the gates of Nantes, France. Founded in 2013 by Christine FORTUN, who serves as the sole owner and manager, the firm provides personalized wealth organization consulting and investment strategy advice to business owners, liberal professionals, employees, retirees, and couples in the Pays de la Loire region. Its delivery model is a codified four-step methodology: a discovery meeting, a comprehensive patrimonial audit (including family/professional environment, assets/liabilities, and tax projections for income tax, IFI, and inheritance duties), independent implementation of recommendations through a curated open-architecture partner network, and ongoing long-term follow-up.

The firm operates two core service lines: Conseil en Organisation Patrimoniale (wealth structuring, tax optimization, and transmission) and Conseil en Stratégie d'Investissement (selection across assurance-vie, PEA, PER, structured products, SCPI/OPCI/SCI, and private equity/debt). All investment implementation is routed through selected insurance companies and asset management firms rather than in-house products, enabling open-architecture distribution. Regulatory positioning is a defining feature: ORIAS registration N°19008564 as both Courtier d'assurance ou de réassurance (COA) and Conseiller en investissements financiers (CIF), CJA legal competence certification, CNCGP membership, and 2024 Finance Durable certification enabling ISR/ESG advice.

Revenue is generated from advisory fees plus product commissions on placed investments, with no publicly disclosed pricing. The operating team is small — founder Christine FORTUN plus a Chargée de Relations Clients (joined November 2021), an Ingénieure Patrimoniale Junior apprentice (joined September 2024), and a service provider for invoicing/communications — with no app, no proprietary technology, and no AI/ML capabilities. The firm has no external funding, no acquisitions, and operates exclusively within the Nantes metropolitan area.

Name

partenariat patrimoine

Legal name

PARTENARIAT PATRIMOINE

Website

https://partenariat-patrimoine.fr

Company type

Private

Founded year

2013

Operating status

Operating

Short description

Partenariat Patrimoine is a founder-owned French wealth management advisory firm in La Chapelle-sur-Erdre, near Nantes, providing personalized patrimonial structuring, investment strategy, and tax optimization services to business owners, liberal professionals, employees, retirees, and couples in the Pays de la Loire region.

Ownership category

akta.pro rank

Product category

Wealth Management Advisory

NAICS

Trust, Fiduciary, and Custody Activities (523991), Trusts, Estates, and Agency Accounts (52592)

akta.pro primary industry

Private Wealth Planning (Tax, Estate & Succession) (FSAAABAE)

akta.pro secondary industries

Trust & Estate Tax Planning & Compliance (FSAEAKAE), Estate Planning & Trust Structuring Advisory (FSAEAKAC), Estate Planning, Trust Structuring & Governance (FSAAADAF)

Keywords

• Wealth management advisory
• Investment strategy consulting
• Estate planning services
• Insurance brokerage services
• Tax optimization consulting

Headquarters

HQ city

La Chapelle-sur-erdre

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Others

Revenue model

1. Financial Advisory Fees: Fees charged for personalized wealth management advice, patrimonial audits, and strategic recommendations provided to individual and business clients.
2. Investment Product Commissions: Commissions from recommending and subscribing financial products including insurance contracts, PEA accounts, SCPI investments, real estate, and other investment vehicles through their selected partner network.

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

Partenariat Patrimoine is a French wealth management advisory cabinet that helps individual clients (business owners, self-employed professionals, employees, retirees, and couples) structure, optimize, and transmit their personal and professional heritage. Its core deliverables are Conseil en Organisation Patrimoniale (tax and estate planning advisory) and Conseil en Stratégie d'Investissement (recommendation and subscription of life insurance, PEA, PER, SCPI, OPCI, SCI, private equity, and private debt products), delivered through a structured 4-step methodology using an open-architecture partner network.

Product overview

Partenariat Patrimoine is a wealth management advisory firm offering two core services: Conseil en Organisation Patrimoniale (wealth organization consulting) and Conseil en Stratégie d'Investissement (investment strategy consulting). The firm provides a structured 4-step methodology encompassing discovery meetings, comprehensive wealth audits, independent recommendation implementation, and long-term follow-up. The firm works in open architecture with multiple partners to offer financial products (life insurance, PEA, PER), real estate investments (SCPI, OPCI, SCI), and alternative investments (private equity, private debt).

Differentiator

Problem solved

Functional benefit

Products and services

• Conseil en Organisation Patrimoniale (Wealth Organization Consulting) Wealth organization consulting service for individual clients (business owners, liberal professionals, employees, retirees) covering tax optimization (income tax, IFI, succession duties), family and professional environment analysis, and personal/professional heritage transmission planning.
• Conseil en Stratégie d'Investissement (Investment Strategy Consulting) Investment strategy consulting and product implementation service recommending and subscribing financial products (assurance-vie, PEA, PER, structured products), real estate investments (SCPI, OPCI, SCI), and non-listed assets (private equity, private debt, forests) selected independently from a broad partner network.
• Audit Patrimonial Complet (Comprehensive Heritage Audit) Comprehensive heritage audit comprising analysis of the client's family and professional environment, review of assets and liabilities held, and tax projections for income tax, IFI, and inheritance duties, delivered with numerical projections to underpin customized strategic recommendations.

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Partnerships

Five partnerships are on record, tiered core and minor.

• ORIAScoreOthersRegulatory body for insurance and financial investment intermediaries. The cabinet is registered as Courtier d'assurance ou de réassurance (COA) and Conseiller en investissements financiers (CIF) under registration number 19008564.
• CNCGP (Chambre Nationale des Conseils en Gestion de Patrimoine)coreOthersProfessional association for wealth management advisors in France. The cabinet is an adherent member, providing professional credibility and network benefits.
• Compagnies d'assurance (Insurance Companies)coreChannel Partner/ Reseller/ DistributorMultiple insurance company partners selected for offering insurance vie, capitalisation contracts, and other insurance-based investment products in open architecture.
• Sociétés de gestion (Asset Management Companies)coreChannel Partner/ Reseller/ DistributorAsset management firm partners providing investment funds, dedicated funds, structured products, and other financial instruments through the cabinet's open architecture approach.
• Experts-comptables, Notaires et Avocats (Accountants, Notaries, and Lawyers)minorStrategic or Co-development PartnerProfessional referral network of accountants, notaries, and lawyers with whom Christine FORTUN maintains privileged relationships for comprehensive client service.

Scale indicators3 records

Recent moves5 records

Expansion highlights4 records

Emerging players

• Nalo: French digital wealth advisor providing automated, fee-only investment advisory and life insurance solutions to mass-affluent and emerging-affluent clients; competes for the same underlying demand (independent, transparent advisory) via a technology-led delivery model.
• Yomoni: French robo-advisor offering diversified, low-fee portfolio management and life insurance wrappers; an emerging low-cost alternative targeting digitally-native clients who might otherwise engage regional CGPs.

Broad incumbents

• Rothschild & Co Wealth & Asset Management: Global private banking and wealth advisory group with deep French heritage serving UHNW families; offers the full estate planning, investment advisory, and family office services that overlap with Partenariat Patrimoine's value proposition at the top of the market.
• BNP Paribas Wealth Management: A large French-headquartered private bank serving HNW and UHNW clients with comprehensive wealth planning, investment advisory, and estate services; comparable end-client needs but vastly larger scale and tied to a proprietary product shelf.
• Primonial: Large French wealth management group (now part of LFDE/La Française) with SCPI, real estate, and advisory offerings sold through independent CGPs and directly; comparable investment product universe (SCPI, assurance-vie, real estate) and overlaps in target clientele.

Direct peers

• Cyrus Conseil: Independent French wealth management advisor providing consolidated wealth advisory, investment strategy, and estate planning to entrepreneurs and family groups, with a similar open-architecture philosophy and CIF/COA regulatory footprint.
• Crystal (Wagram Crystal): One of the largest independent wealth management advisor (CGP) networks in France, offering open-architecture advisory, insurance brokerage, and tax/estate planning to business owners and HNW individuals — directly comparable to Partenariat Patrimoine's offering but at significantly greater scale.
• Indépendants & Associés (Patrimoine & Conseil): Network of independent French wealth management advisors offering open-architecture patrimonial and investment advice to entrepreneurs and executives — comparable independent model, regulatory profile, and target segments.
• Montségur Finance: Independent French wealth management and family office firm providing open-architecture advisory, asset allocation, and estate planning services to HNW clients and business owners — directly comparable business model and client base.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks4 records

Key highlights5 records

Customer concentration

• Facebookfacebook.com/p/PARTENARIAT-PATRIMOINE-100039975044077
• LinkedInlinkedin.com/in/christine-fortun-55a577a3
• Instagraminstagram.com/partenariat.patrimoine

Compliance4 records

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 partenariat patrimoine