am patrimoine

Name

am patrimoine

Legal name

AM Patrimoine

Website

https://ampatrimoine.fr

Company type

Private

Founded year

2020

Operating status

Operating

Ownership category

akta.pro rank

Product category

Wealth Management Advisory

NAICS

Portfolio Management and Investment Advice (523940), Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Investment Advice (6282), Loan Brokers (6163)

akta.pro primary industry

Registered Investment Advisor (RIA) Wealth Management (FSAEABAA)

akta.pro secondary industry

Insurance-Integrated Wealth Managers (RIA + Insurance Solutions) (FSAAACAI)

Keywords

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

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Advisory Fees: Direct consulting fees charged to clients for financial advisory services, adapted to each client's situation and needs.
2. Product Commissions: Commissions earned on financial products (insurance, investment funds, real estate) placed with clients, explained transparently alongside advisory fees.
3. Hybrid Fee Structure: A combination of advisory fees and product commissions, tailored to each client's preference and situation for complete transparency.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels1 record

Core offering

AM Patrimoine is a French independent wealth management advisory practice that delivers personalized financial guidance to individual clients. Its core offering begins with a Bilan Patrimonial 360° (comprehensive wealth assessment covering personal, family, and financial situation) and extends to specialized advisory in real estate investments (Déficit Foncier, loi Malraux, LMNP), tax optimization, financial placements, loan brokering, and estate/wealth transfer planning. All services are delivered through one-on-one consultations by a sole practitioner, Amélie MOUNIAMA, with a pedagogical approach and transparent fee structure.

Product overview

AM Patrimoine is a financial advisory firm offering personalized wealth management services. The company provides a unified advisory service centered on comprehensive wealth assessment and strategic financial planning. The core offering includes a 360-degree patrimony assessment followed by specialized services in real estate investment (Placements Immobiliers), tax optimization (Optimisation Fiscale), financial investments (Placements Financiers), loan brokering (Financements Courtage), and estate planning (Transmission du Patrimoine). All services are 100% personalized to each client's unique situation, delivered through a pedagogical approach to help clients make autonomous decisions.

Differentiator

Problem solved

Functional benefit

Products and services

• Bilan Patrimonial 360° Comprehensive 360-degree wealth assessment evaluating personal, family, and financial situation to develop personalized investment strategies; serves as the entry point of every AM Patrimoine engagement for individual French clients (novice to experienced investors).
• Placements Immobiliers Real estate investment advisory covering Déficit Foncier, loi Malraux, and LMNP tax-efficient investment vehicles to help French individuals build solid long-term real estate wealth; offered as part of AM Patrimoine's wealth management advisory for individual investors.
• Optimisation Fiscale Tax optimization service that analyzes the impact of taxation on the client's budget and uses tax mechanisms strategically to develop their wealth; for French individual clients seeking to legally minimize tax burden while building patrimoine.
• Placements Financiers Financial investment advisory helping clients give meaning to their savings, search for performance while maintaining a long-term vision, and access suitable investment solutions; for French individual investors concerned about the erosion of uninvested savings.
• Financements Courtage Loan brokering service enabling clients to obtain the best monthly payments and advantageous insurance conditions for primary or secondary residence purchases, investment financing, or restructuring existing loans; for French individuals seeking optimal property or credit financing.
• Transmission du Patrimoine Estate planning and wealth transfer advisory to help French individual clients prepare the transfer of their patrimoine to heirs; for individuals who want to anticipate succession matters rather than address them reactively.

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators1 record

Direct peers

• MeilleurPlacement: French retail savings and investment comparison/advisory site for individual investors, covering assurance-vie, PERP, PEA, and other wealth products. Comparable in serving the same French individual investor audience and offering product-brokerage services alongside content.
• Ramify: Paris-based digital wealth management firm offering personalized investment management and tax-optimized portfolios to French individual investors. Directly comparable target customer (French retail/mass-affluent wealth builders) with a digital-first, advisory-augmented model.
• Linxea: French online wealth platform offering assurance-vie, PEA, and related investment wrappers to individual investors. It competes for the same novice-to-mass-affluent French retail investor segment but distributes primarily through a self-service digital model rather than personalized advisory.
• Bourse Direct: French online brokerage serving self-directed individual investors with equities, derivatives, and savings products. Comparable target market of French retail investors building wealth through financial placements, though operating in execution rather than advisory.

Emerging players

• Nalo: French robo-advisor and wealth management platform serving individual investors with automated, life-goal-based portfolios. Targets a similar mass-affluent retail segment via a fully digital model — overlapping use cases (savings, investment, life-project planning) but without human advisory.

Broad incumbents

• Primonial: French wealth management group offering asset management, real estate investment, and advisory services to individual and institutional clients. Overlaps with AM Patrimoine in real estate investment wrappers and broader wealth advisory, but at significantly greater scale.
• BNP Paribas Wealth Management: Private banking arm of BNP Paribas serving HNW and UHNW clients with discretionary portfolio management, estate planning, and tax advisory. Comparable service mix (financial investments, tax, estate transmission) but focused on the upper end of the wealth spectrum.
• Société Générale Private Banking: Private banking division of Société Générale providing wealth advisory, investment, and estate planning services to HNW individuals. Similar integrated wealth advisory offering including real estate, financial, and estate services, but at materially higher AUM thresholds.
• Boursorama Banque: French online bank owned by Société Générale offering banking, brokerage, savings, and wealth products to mass-affluent retail customers. Overlaps with AM Patrimoine on savings/investment products for French individuals, but as part of a much broader banking portfolio.
• Fortuneo Banque: French online bank and brokerage offering savings, investment, and life-insurance products to individual investors. Comparable in serving French retail wealth-building customers but as part of a full-service online bank rather than a focused advisory practice.

Market position

Strengths4 records

Weaknesses4 records

Key risks6 records

Key highlights6 records

Customer concentration

Compliance1 record

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 am patrimoine