Patrimoine Design

What Patrimoine Design does

Patrimoine Design SARL is an independent French wealth-management advisory firm (Conseiller en Gestion de Patrimoine, or CGP) headquartered at 14 rue Ferrandière in Lyon's Presqu'île district, co-managed by Marion Cottalorda (Ingénierie Patrimoniale & Pôle Immobilier, INSA Lyon engineering graduate) and Pierre Untereiner (Pôle Finance, INP Grenoble engineering graduate). The firm applies an engineering-methodology framework — systems analysis, hypothesis modeling, and scenario optimization — to deliver personalized patrimonial strategy for high-net-worth individuals, business owners and professionals, and a specialized niche of elite professional athletes. It holds the full French regulatory stack for cross-product advisory: AMF and AMF Durable (ESG) certifications, CIF financial-investment-advisor status, ORIAS-registered insurance brokerage (No. 17006395), Real Estate Carte T (CPI 6901 2017 000 022 694), CNCGP membership, and professional liability coverage via MMA IARD, supervised jointly by AMF and ACPR.

The firm operates a capital-independent, open-architecture model distributed across 40+ vetted financial partners — including Amundi, Swiss Life, Generali, Primonial, Sofidy, Vinci, Nexity, AXA Thema, Eiffel Investment Group, Corum, and Novaxia — enabling product-agnostic recommendations across financial investments, life insurance, SCPI real estate, and tax-optimized vehicles, with an integrated Socially Responsible Investment (ISR) overlay. Its core offerings are organized into Gestion de Patrimoine pour Particuliers (real estate investment, tax optimization, liquidity placement, retirement, transmission, asset valorization) and Gestion de Patrimoine pour Professionnels (executive compensation, director protection, corporate treasury, business transmission), supported by free detailed patrimonial studies, a paid initial discovery meeting, and annual advisory engagements with minimum RDV cadence.

Commercial motion is sales-led and high-touch: direct advisory meetings at the Lyon office, phone and email channels, plus top-of-funnel content marketing via 80+ website articles, LinkedIn, and YouTube, with referrals flowing from the partner network. The firm's revenue model combines fee-based advisory honoraires (quoted per mission in a client-validated mission letter) and retrocommissions from financial, real estate, and asset-management partners regulated under AMF article 325-6, targeting clients with at least €20,000 in annual tax and/or €100,000 in investable capital. The business is bootstrapped (SARL with €1,000 share capital), with no external funding, no disclosed revenue, and a self-reported 50+ active client base and an implied €100M+ AUM.

Name

Patrimoine Design

Legal name

Patrimoine Design SARL

Website

https://patrimoine-design.fr

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Patrimoine Design is an independent, AMF-regulated wealth-management advisory firm in Lyon, France, co-managed by two engineers and serving high-net-worth individuals, business owners, and professional athletes through an open-architecture model spanning finance, real estate, tax optimization, and ISR investments.

Ownership category

akta.pro rank

Product category

Wealth Management Advisory Services

SIC

Investment Advice (6282)

akta.pro primary industry

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

akta.pro secondary industry

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

Keywords

• Wealth management advisory
• Tax optimization services
• Estate planning services
• Retirement planning advisory
• Real estate investment advice

Headquarters

HQ city

Lyon

HQ country

France

HQ region

Europe

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Consulting Fees (Honoraires): Fees remunerating expertise, knowledge, advice, and responsibility. Determined based on complexity and duration of the mission. Quoted before any service. First discovery meeting is subject to fees.
2. Retrocessions / Retrocommissions: Commissions paid by financial, real estate, and asset management partners based on investments made by clients. These are included in announced returns and are not additional costs. Regulated under AMF article 325-6.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Patrimoine Design is an independent wealth management advisory firm (Conseiller en Gestion de Patrimoine) based in Lyon that delivers personalized patrimonial engineering and advisory services to individuals, business owners/professionals, and high-level athletes. Core offerings span real estate investment advice, tax optimization, liquidity placement, retirement preparation, wealth transmission, and ISR (Socially Responsible Investment) advisory, executed through an open-architecture model with 40+ vetted financial and real estate partners. Services are delivered via paid discovery meetings, free detailed patrimonial studies, and ongoing annual advisory subscriptions, with all fees disclosed in a mission letter before subscription.

Product overview

Patrimoine Design is an independent wealth management advisory firm (CGP - Conseiller en Gestion de Patrimoine) based in Lyon, France, operating as a unified advisory practice rather than a platform with modular products. The firm offers two primary client-facing services: Gestion de Patrimoine pour Particuliers (covering real estate investment, tax optimization, liquidity placement, retirement preparation, estate transmission, and asset valorization) and Gestion de Patrimoine pour Professionnels (covering executive compensation, director protection, corporate treasury, and business transmission). The firm also provides specialized services for elite athletes and free detailed heritage studies as a client acquisition and advisory tool. All services are delivered through an open-architecture model with 50+ vetted financial and real estate partner companies, enabling personalized strategy-first recommendations rather than product-driven advice.

Differentiator

Problem solved

Functional benefit

Products and services

• Gestion de Patrimoine pour Particuliers Comprehensive wealth management advisory for individual clients covering real estate investment, tax optimization, liquidity placement, retirement preparation, estate transmission, and asset valorization. Targets high net worth individuals with minimum €20,000 annual taxation and/or €100,000+ investment capacity.
• Gestion de Patrimoine pour Professionnels Wealth management advisory for business owners, entrepreneurs, and company directors, covering director remuneration optimization, protection schemes for the director and employees, corporate treasury management, and business transmission planning.
• Études Patrimoniales Gratuites Free detailed and quantified patrimonial studies produced by engineer-trained advisors, serving as the foundation for personalized wealth strategy recommendations. Conducted by co-managers holding AMF and AMF durable certifications.
• Conseil en Investissement Socialement Responsable (ISR) Socially responsible investment advisory integrating environmental, social, and governance (ESG) criteria into portfolio construction and management decisions. Both co-managers hold AMF durable certification.
• Accompagnement Sportifs de Haut Niveau Specialized wealth management for elite high-level athletes, addressing short career horizons, concentrated income periods, image rights taxation, and post-career financial planning.

Quantifiable outcome

• Free detailed and quantified patrimonial studies provided to clients
• +2 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

18 partnerships are on record, tiered core and secondary.

• 123 IM (123 Investment Managers)coreOthersFinancial partner providing investment management services. Listed among 40+ financial partners in the open architecture network.
• Amundi Asset ManagementcoreOthersMajor European asset manager providing investment solutions. One of the key financial partners in the open architecture model.
• Generali FrancecoreOthersMajor insurance company partner providing life insurance and savings products.
• PrimonialcoreOthersWealth management specialist providing savings and investment solutions.
• SofidycoreOthersReal estate investment company specializing in SCPI (Real Estate Investment Trust) products.
• Swiss LifecoreOthersInternational insurance group providing wealth protection and savings products.
• AXA THEMAcoreOthersInsurance partner under AXA group providing themed investment solutions.
• CNGP (Compagnie Nationale des Conseils en Gestion de Patrimoine)coreOthersProfessional association registration required for wealth management advisory activities.
• Consultim GroupesecondaryOthersReal estate investment consultant partner.
• Inter InvestsecondaryOthersInvestment solutions provider specializing in tax-optimized investments.
• Eiffel Investment GroupsecondaryOthersAsset management company providing bond and diversified investment solutions.
• Cedrus & PartnerssecondaryOthersWealth management advisory partner.
• Domitys InvestsecondaryOthersSenior living real estate investment partner.
• Novaxia InvestmentsecondaryOthersReal estate investment company focusing on urban transformation.
• CorumsecondaryOthersReal estate investment company providing diversified European property investments.
• NortiasecondaryOthersIndependent financial advisory network partner.
• VINCIsecondaryOthersReal estate investment partner (SCPI products).
• NexitysecondaryOthersReal estate developer partner for property investments.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Emerging players

• Nalo: French digital wealth manager offering automated portfolio management with life-insurance, PEA, and retirement wrappers. Targets tech-affluent HNW with lower-fee, robo-augmented advisory — a different delivery model but directly competing for the same French HNW investor.
• Ramify: French digital wealth management startup offering personalized investment solutions (life insurance, PEA, PER) with hybrid advisor + automation model. Increasingly active in the HNW segment Patrimoine Design serves, with a younger, more digital-first brand.

Direct peers

• Lucya: Independent French wealth management advisory serving HNW individuals with personalized patrimonial strategy, similar target client profile and open-architecture positioning. Direct head-to-head competitor for Patrimoine Design in the Lyon/Rhône-Alpes market.
• Cyrus Capital: French independent wealth management firm providing personalized patrimonial advisory, financial investment, real estate, and transmission services to HNW clients. Operates with comparable multi-advisor model and full regulatory licenses (CIF, ORIAS, Carte T).
• Finaxy: Mid-sized French wealth advisory and brokerage group offering patrimonial conseil for individuals and professionals, multi-product intermediation, and similar open-architecture approach. Comparable in service breadth and target segments.

Broad incumbents

• Société Générale Private Banking: Private banking division of Société Générale providing wealth advisory, investment, financing, and transmission services to HNW clients in France. A key incumbent competitor with national footprint and integrated banking capabilities.
• Primonial: Major French wealth management platform offering savings, real estate investment, and asset management solutions through partner networks. Listed as one of Patrimoine Design's 40+ financial partners, reflecting an upstream supplier relationship but also a broader competitor for advisory-led clients.
• UFF (Union Financière de France): A large established French wealth management firm (Aviva France subsidiary historically, now standalone) offering patrimonial advisory and financial savings products nationally. Overlaps with Patrimoine Design's offering but at substantially greater scale and brand recognition.
• BNP Paribas Wealth Management: Private banking arm of BNP Paribas serving HNW and UHNW individuals with comprehensive patrimonial advisory, asset management, and credit solutions. Represents the scaled institutional alternative that independent CGPs must differentiate against.

Regional players

• Altaprofits: Online French savings and wealth comparator/broker focused on life insurance, PER, and SCPI selection. Competes with Patrimoine Design on product aggregation and accessibility for mass-affluent and entry-HNW French savers.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/@patrimoinedesign5178
• LinkedInlinkedin.com/company/patrimoine-design

Compliance7 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 Patrimoine Design