The art of building,protecting and passing on.

Since 1995, JR CONSEIL has supported families, entrepreneurs and professionals in France and abroad in structuring and transferring their wealth — with rigour, independence and discretion.

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Our approach

A global vision,
a singular attention.

Wealth advice is only of value if it is free — free of any network, any imposed product, any interest other than your own.

Wealth cannot be managed in compartments. Each of its dimensions affects another: an acquisition shifts the tax balance, the sale of a business reshuffles the cards of transmission, a choice of marital regime weighs on an entire succession.

Our global vision consists precisely in never treating these dimensions in isolation. Every engagement begins with a thorough reading of your situation — legal, fiscal, economic and family — to grasp the interdependencies before acting. From this analysis is born a tailored strategy: documented, prioritised according to your goals, and revised at every stage of your life.

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This coherence only makes sense when carried by total independence. JR CONSEIL is tied to no bank, no insurance company, no distribution network. Our recommendations serve a single purpose — your interests. This is not a sales pitch: it is the very condition of our profession.

Expertises

Our areas of expertise.

Wealth engineering, tax architecture, family wealth transfer, property financing — four areas of expertise built around a single conviction: your wealth deserves a global vision, never a string of products.

Wealth engineering

Diagnosis, the origin of every strategy.

Everything begins with a thorough mapping of your wealth — financial, property, professional and fiscal. From this diagnosis is born a clear strategy, prioritised according to your priorities in life, then adjusted at every stage: acquisition, sale, transmission, retirement. A complete vision, never a string of products.

Financial, property and professional audit
Personalised tax & social security diagnosis
Strategy revised at every stage of life

Tax & legal architecture

Expertise free of any dependency.

Bare ownership/usufruct splits, holding companies, SCI under corporation tax or income tax, PER pension plans, Luxembourg capitalisation contracts: we draw on the full range of market instruments without favouring any one of them. Each structure responds to your actual situation — and to that alone. No product bias, no hidden kickback ever steers our advice.

Bare ownership splits, holding companies, SCI (corporation or income tax)
PER pension plans, Luxembourg contracts
No product bias, no hidden kickbacks

Transmission & family protection

Passing on wealth, leaving nothing to chance.

Gifts, life insurance for transmission, Dutreil pacts on business assets, future protection mandates. Anticipating transmission means protecting both a fortune and those who will inherit it. We build arrangements designed across two generations — tax-optimised, legally sound, humanly fair.

Gifts, transmission life insurance, Dutreil pacts
Future protection mandates
Wealth preservation across two generations

Financing & property

Building within the coherence of the long term.

Financing optimisation, structuring of ownership (SCI, furnished rental, bare ownership), trade-offs between yield, taxation and transmission. Property is never treated in isolation: it fits within an overall wealth architecture, where each decision sheds light on another.

SCI, furnished rental, bare ownership structuring
Trade-offs between yield / taxation / transmission
Integration into an overall strategy

See the full scope of our approach

In figures

Thirty years of independence,
four hundred families supported.

Clients supported in France and abroad

0 years

Of wealth management and transmission expertise

Regulatory accreditations — COA · IOBSP · CIF

Old library, the transmission of knowledge

Philosophy

Independence
as a founding principle.

Wealth success is never the fruit of chance, but of a clear, rigorous strategy aimed at the long term.
Olivier Raso, Director

JR CONSEIL was founded in 1995 on a simple but radical conviction: quality wealth advice cannot coexist with the conflicts of interest inherent to banking networks.

The firm is tied to no bank, no insurance company, no distribution network. This total independence allows us to access the entire market — Luxembourg life insurance contracts, mutual funds, structured products, SCPIs, financing — and to select only what is suited to your situation.

More than 400 families and business leaders in France and abroad place their trust in us. This relationship is always built for the long term — the great majority of our clients were recommended to us by other clients, and many have been with us for more than a decade.

Our philosophy

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