What paro conseil does

paro conseil SAS is a privately held, fee-only financial advisory firm (Conseiller en Investissements Financiers — CIF) headquartered at 60 rue François 1er, 75008 Paris, France. Founded and led by Paul Roudier, the firm is registered with ORIAS (no. 26000702) and is a member of CNCEF, an association approved by the AMF. It operates under MIF II "conseil indépendant" status, which legally prohibits it from receiving retrocessions, marketing commissions, or inducements from product providers, making it a true independent advisor compensated exclusively by client fees.

The firm provides wealth management, financial investment advisory, retirement planning (PER, assurance-vie), succession planning, French tax optimization, and corporate treasury advisory services. Its core product suite comprises personalized advisory engagements alongside three interactive digital tools: a 10-section Patrimonial Diagnostic questionnaire, a multi-vehicle Return and Fees Simulator, and a MIF II-compliant 7-step Investor Profile Questionnaire. These tools function as mid-funnel qualification assets rather than AI-driven systems.

Revenue is generated entirely through direct client fees — a one-time patrimonial review starting from €120 TTC and ongoing advisory engagements priced on a degressive scale of 1% to 0.6% depending on portfolio size. The target market spans three primary segments: French individuals and families, business owners and executives (dirigeants d'entreprises), and English-speaking residents and expats in France, the latter served through a dedicated bilingual service line and English-language website. Distribution is direct, via the Paris office, the website contact form, and online scheduling, with no intermediaries. The firm is structured as a tightly held, founder-owned SAS with €2,000 share capital, no institutional investors, no funding history, and a stated headcount of 1-10.

Name

paro conseil

Legal name

paro conseil SAS

Website

https://paro-conseil.fr

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

paro conseil is a Paris-based, fee-only independent financial advisory firm (MIF II "conseil indépendant") providing wealth management, retirement, succession, tax, and corporate treasury advisory to individuals, business owners, and English-speaking expats in France.

Ownership category

akta.pro rank

Product category

Wealth Management Advisory

NAICS

Portfolio Management and Investment Advice (523940)

akta.pro primary industry

Retirement Income Planning & Decumulation Advisory (FSAEABAD)

akta.pro secondary industry

Family Office Advisory & Outsourced CIO (OCIO) (FSAAADAC)

Keywords

• Independent wealth advisory
• Fee-only financial planning
• Retirement planning services
• Succession planning advisory
• French tax optimization

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Fee-only advisory services: paro conseil operates as a true fee-only advisor (conseil indépendant under MIF II), receiving no retrocessions, no marketing commissions, and no inducements from product providers. Revenue comes exclusively from direct client invoices. Patrimonial review from €120, ongoing advisory at 1% to 0.6% depending on portfolio size.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

paro conseil provides fee-only independent financial investment and wealth management advisory services for individuals, families, and business owners in France. Core offerings include patrimonial analysis, investment strategy, retirement planning, succession planning, French tax optimization, and corporate treasury management, supplemented by interactive digital diagnostic and simulation tools.

Product overview

paro conseil operates as a fee-only independent financial investment advisor (Conseiller en Investissements Financiers - CIF) offering a suite of advisory services and interactive digital tools. The core offering consists of personalized wealth management advisory for individuals and business owners, supplemented by three key interactive tools: a comprehensive Patrimonial Diagnostic questionnaire, an Investment Return and Fees Simulator, and an Investor Profile Questionnaire compliant with MIF II regulations. Services span wealth analysis, investment strategy, retirement planning, succession planning, and tax optimization, with specialized offerings for English-speaking residents in France. The company is compensated exclusively through client fees with no retrocessions from financial product providers.

Differentiator

Problem solved

Functional benefit

Products and services

• Patrimonial Review (Point de situation patrimoniale)
• Ongoing Advisory Engagement (Conseil en investissement suivi)
• Retirement Planning Services (Conseil Retraite)
• Succession Planning Services (Conseil Transmission)
• Tax Planning Services (Conseil Fiscal)
• Corporate Treasury Management (Gestion de Trésorerie Entreprise)
• Holding Company Structuring (Création de Holding)

Quantifiable outcome

• No retrocessions received from any financial product provider
• +1 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators1 record

Recent moves6 records

Expansion highlights4 records

Regional players

• Bourse Direct: Leading French online brokerage serving self-directed retail investors with PEA, CTO, and assurance-vie access. Comparable French-wrapped product set and investor base, but serves do-it-yourself clients rather than advised relationships.

Emerging players

• Nalo: French robo-advisor providing goal-based, personalized investment portfolios through assurance-vie and PEA wrappers. Targets similar individual savers/investors in France, but competes primarily on automation and lower fees rather than personalized advisory.
• Ramify: Paris-based digital wealth management platform offering guided investment advisory and private equity access to French HNW individuals and entrepreneurs. Comparable target customer and product wrappers (assurance-vie, PEA), but delivered through a tech-led, lower-fee model.
• Yomoni: French robo-advisor offering automated portfolio management via assurance-vie and PEA wrappers for mass-affluent and HNW clients. Competes for the same end-customer seeking low-fee, transparent French-wrapped investing, but with a fully digital model.

Others

• Linxo: French personal finance aggregation and wealth-tracking app (acquired by Crédit Agricole) used by French consumers to monitor investments, savings, and bank accounts. Adjacent rather than directly competing — serves a similar underlying expat/French retail audience for visibility into holdings, but does not provide advisory.

Broad incumbents

• Société Générale Private Banking: Private banking division of Société Générale serving HNW individuals, families, and business owners across France and internationally with wealth, tax, and succession advisory. Overlaps with paro conseil on customer type and services, but operates at significantly greater scale within a bank-led distribution model.
• Lazard Frères Gestion: Global financial advisory firm offering wealth and asset management services to HNW individuals, families, and foundations in France and internationally. Comparable wealth-advisory activity and target clientele, but with a broader institutional and asset-management footprint.
• Indosuez Wealth Management: Crédit Agricole's wealth management arm offering private banking, investment advisory, and family-office-type services to HNW clients globally, including France-resident expats. Comparable expat and HNW focus, but embedded within a large banking group rather than as an independent advisor.
• BNP Paribas Wealth Management: Private banking arm of France's largest bank, offering wealth advisory, investment, succession, and tax services to HNW and UHNW clients — including international residents and expats. Comparable end-customers and advisory topics, but as part of a much larger, product-distributing institution.

Direct peers

• Magnolia Patrimoine: Independent French wealth advisory firm (conseil en gestion de patrimoine) offering fee-based patrimonial, tax, and investment advisory to individuals and business owners under similar CIF-type regulation. Closely comparable business model, customer base, and regulatory framework to paro conseil.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/paro-conseil

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 paro conseil