patrimoine et perspectives

What patrimoine et perspectives does

Patrimoine et Perspectives is a privately held French wealth management and financial advisory boutique founded in 1995 by Stéphane Maisonneuve, operating from a single headquarters at 21 Rue Paul Henri Charles Spaak in Valence (Auvergne-Rhône-Alpes). The firm is structured as a Société à responsabilité limitée (SARL) with a registered capital of €7,625, and is registered as a Conseiller en Investissement Financier (CIF) with the AMF (E001775), as an insurance broker with ORIAS (07 005 195), and holds a professional real estate transaction card (T2010-003). It is a member of ANACOFI-CIF and ONIIP, the French professional associations for independent financial advisors.

The firm delivers its offering through seven core advisory lines: patrimonial audit (civil, legal, financial, and fiscal review), financial investments via a multi-gestion platform with over 50 external asset managers, life insurance advisory, real estate investment advisory (including Scellier, Malraux, Girardin, and Monument Historique regimes), wealth transmission planning, professional services (treasury optimization, retirement savings under Madelin/Perp/Perco articles, business succession), and a Family Office service for affluent families requiring multi-generational governance. Underlying technology is limited to online financial calculators and simulators; there are no proprietary software platforms, APIs, or AI/ML components. The firm supports its advisory relationship with bi-weekly newsletter content, blog articles, and free initial wealth-audit consultations, distributed through the corporate website, direct phone lines, and contact forms.

The revenue model combines commissions paid by financial institutions on client-placed products with fee-based advisory charges for bespoke missions; specific pricing is not publicly disclosed. The go-to-market is sales-led, targeting high-net-worth individuals, affluent families requiring multi-generational planning, and business owners/professionals (including liberal professions) across France, with all services delivered via personalized in-person and remote consultation rather than a digital product. The firm has no funding rounds, no institutional investors, no subsidiaries, and no disclosed revenue or headcount figures.

Name

patrimoine et perspectives

Legal name

PATRIMOINE ET PERSPECTIVES

Website

https://patrimoineetperspectives.com

Company type

Private

Founded year

1995

Operating status

Operating

Short description

Patrimoine et Perspectives is an independent French wealth management and financial advisory boutique based in Valence, founded in 1995 by Stéphane Maisonneuve. It serves high-net-worth individuals, affluent families, and business owners across France with patrimonial audit, investment, life insurance, real estate, transmission, and Family Office services delivered via personalized consultation.

Ownership category

akta.pro rank

Product category

Wealth Management

NAICS

Portfolio Management and Investment Advice (523940), Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Investment Advice (6282), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Family Office Advisory (Single/Multi-Family) (FSAEAAAI)

akta.pro secondary industries

Estate Planning, Trust Structuring & Governance (FSAAADAF), Family Business & Succession Advisory (FSAAADAL), Trust & Estate Tax Planning & Compliance (FSAEAKAE), Real Estate Investment Advisory (Acquisitions/Dispositions, Capital Allocation) (BPAJANAA)

Keywords

• Wealth management advisory
• Financial planning services
• Estate planning
• Family office services
• Investment advisory

Headquarters

HQ city

Valence

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Commission-based intermediation: Commissions paid by financial institutions with which PATRIMOINE ET PERSPECTIVES has established contracts for operations conducted on behalf of clients.
2. Advisory fees: Honorary fees charged for specific advisory missions requested by clients, including personalized wealth management consultations and estate planning services.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels3 records

Core offering

Patrimoine et Perspectives is an independent French wealth management advisory firm providing personalized financial planning, investment advisory, estate planning, life insurance, real estate investment, and Family Office services to high-net-worth individuals, families, and business professionals. The firm delivers comprehensive patrimonial audits covering civil, legal, financial, and fiscal optimization, and operates through direct, in-person advisory consultations rather than as a digital platform.

Product overview

PATRIMOINE ET PERSPECTIVES is an independent wealth management advisory firm offering a comprehensive portfolio of services centered on seven core offerings: patrimonial audit, financial investments, life insurance, real estate investments, wealth transmission, professional services, and Family Office. The firm operates as a unified advisory practice rather than a software platform, with services delivered through personal consultation. Additional tools include financial simulators for clients to calculate yields, loan parameters, and fiscal calculations.

Differentiator

Problem solved

Functional benefit

Products and services

• L'audit patrimonial Patrimonial audit service that provides civil, legal, financial, and fiscal optimization of the client's wealth to increase living standards and autonomy. Targeted at prospective and existing clients undergoing wealth planning.
• Les placements financiers Multi-management financial investment service connecting clients with over 50 selected asset managers to offer diversified products adapted to client objectives, including direct management and insurance-based management.
• L'assurance-vie Life insurance advisory service helping clients select appropriate savings vehicles based on their investor profile, offering flexible savings and favorable tax treatment.
• Les investissements immobiliers Real estate investment advisory covering tax optimization solutions (Loi Scellier, Malraux, Loueur en Meublé, Girardin, Monuments Historiques, Déficits Fonciers), preferential mortgage rates, and loan insurance up to age 75.
• La transmission de patrimoine Wealth transmission service providing civil, financial, and fiscal optimization including donations between spouses, sharing donations, matrimonial advantages, civil society structures, and wills.
• Les services aux professionnels Professional services including treasury optimization, capitalization, individual and collective insurance, retirement savings (art. 83, art. 39, Perp, Perco, PEI, Madelin law), health insurance, and business transmission.
• Le service Family Office Premium Family Office service providing comprehensive daily support for high-net-worth families including wealth analysis, long-term planning, governance, art and collectible management, and financial administration.
• Les simulateurs Collection of financial calculators including capital value calculation, constant payment value, yield rates, loan calculations, rent calculations, break-even threshold, and mobility contributions.

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

Four partnerships are on record, tiered core and minor.

• ANACOFI-CIFcoreOthersMember of ANACOFI-CIF (Association Nationale des Conseillers Financiers), the National Association of Financial Advisors. The association is approved by AMF and verifies member competencies, imposes permanent training requirements, and ensures development of the independent financial advisory profession.
• ONIIPcoreOthersMember of ONIIP (Organisation Nationale des Intermédiaires Indépendants en Prévoyance), which ensures the development of the independent financial advisory profession. Verifies member competencies and requires ongoing professional training.
• ZURICH INSURANCE PICcoreOthersProfessional Liability Insurance (Responsabilité Civile Professionnelle) provider. Policy number 7400026945 at ZURICH INSURANCE PIC, 112 avenue de Wagram, 75808 Paris. Also provides financial guarantee insurance.
• Les Echos PublishingminorImplementation/ SI/ Consulting PartnerWebsite design, hosting, and publishing services provider. Located at 10, Boulevard de Grenelle, 75738 Paris CEDEX 15. Responsible for website production and publication.

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Cyrus Conseil: French independent wealth management advisor offering patrimonial audit, asset management, and family office services to HNW clients. Closely comparable in business model, target clientele, and regulatory positioning to Patrimoine et Perspectives, though operating at national scale across multiple offices.
• Oddo & Cie: French independent private bank and wealth manager serving HNW families and entrepreneurs with investment advisory, estate planning, and family office capabilities. Direct comparison point as an independent French advisor, though materially larger in AUM and headcount.
• Financière de l'Arc: Boutique French wealth management advisor focused on HNW individuals and business owners with patrimonial audit, investment, and transmission services. Closely matches Patrimoine et Perspectives' boutique scale, regional French footprint, and independent advisory model.

Broad incumbents

• BNP Paribas Wealth Management: Large French private bank serving HNW clients with investment advisory, estate planning, lending, and family office services across global markets. Represents the incumbent scale benchmark against which independent boutiques like Patrimoine et Perspectives compete on personalization and conflict-free advice.
• Société Générale Private Banking: Private banking arm of a major French bank offering wealth advisory, investment management, and credit solutions to HNW and entrepreneur clients. Comparable target market to Patrimoine et Perspectives but with integrated lending, custody, and international capabilities the boutique cannot match.
• Indosuez Wealth Management: French-headquartered private bank offering wealth advisory, asset management, and family office services to HNW clients globally. Comparable HNW and family-office target segment, but with international footprint and balance-sheet capacity well beyond a regional boutique.
• Rothschild & Co Wealth & Asset Management: French-rooted global wealth and asset manager offering advisory, estate planning, and family office services to ultra-HNW families. Comparable service taxonomy and family-office positioning, but with global reach and far greater scale.
• Deloitte Private (France): Big Four advisory practice serving HNW families, entrepreneurs, and family offices with wealth advisory, tax, transmission, and governance consulting in France. Comparable client segment and family-office offerings, with broader multidisciplinary bench.

Emerging players

• Yomoni: French digital wealth management platform offering automated portfolio management and advisory to affluent retail clients. Represents the digital-native, low-fee competitive pressure on traditional independent advisors targeting the same affluent-but-not-ultra-HNW segment.
• Nalo: French robo-advisor and life insurance platform targeting affluent savers with algorithm-driven investment portfolios. Comparable target segment to Patrimoine et Perspectives' mid-affluent clients, illustrating fee and convenience pressure from digital-first wealth offerings.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/patrimoine-et-perspectives

Compliance5 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 patrimoine et perspectives