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Our approach

Global, independent advice,entirely tailored to you.

Every wealth situation is unique. Our method rests on thorough listening, precise diagnosis and a strategy built for the long term — with no compromise to the interests of any financial institution.

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Our method

A process in
four stages.

Every engagement follows a rigorous method, documented and reviewed over time. No shortcuts, no imposed product.

I

Diagnosis

A thorough audit of your wealth — financial, property, professional, fiscal. A complete mapping of your situation and your goals.

II

Strategy

Drafting a personalised, documented and costed wealth road map. Joint validation at every milestone.

III

Implementation

Rigorous selection of solutions, support through signing, coordination with notaries, lawyers and accountants.

IV

Follow-up

Annual review of the strategy, adjustments according to changes in your personal, fiscal and wealth circumstances.

Our expertise

Eight areas of expertise.

01

Comprehensive wealth engineering

Any serious approach begins with a thorough reading of your situation. We draw up a complete assessment of your wealth — financial, property and professional — cross-referenced with your fiscal, social and family situation. From this diagnosis is born a structured strategy, prioritised according to your goals, revised at every significant stage of your life.

  • Complete financial, property and professional assessment
  • Personalised tax & social security diagnosis
  • Mapping of short, medium and long-term goals
  • Strategy documented and prioritised according to your goals
  • Annual review of the wealth plan
02

Tax & legal architecture

Tax and legal optimisation is only of value if it fits within your overall strategy. We draw on the full range of available instruments — bare ownership splits, wealth holding companies, SCI, PER pension plans, Luxembourg contracts, structured products — without favouring any of them. Each structure responds to your actual situation, and to that alone.

  • Bare ownership splits, SCI under corporation or income tax
  • Active wealth holding companies
  • PER pension plans, life insurance, Luxembourg capitalisation contracts
  • Structured products & discretionary management mandates
  • No product bias, no hidden kickbacks
03

Transmission & family protection

Passing on wealth is not just a matter of choosing a tax mechanism. It is an act that engages two generations and deserves to be considered with as much legal rigour as human care. We build arrangements suited to your family structure, your assets and your wishes — tax-optimised, legally sound.

  • Simple gifts and shared gifts (donation-partage)
  • Transmission life insurance (with split beneficiary clauses)
  • Dutreil pacts for business assets
  • Future protection mandate and will
  • Marital regime suited to the family situation
04

Financing & property structuring

Property is never dealt with in isolation: every acquisition or structuring decision affects your taxation, your transmission and your overall wealth balance. We support you in optimising your financing, choosing the most suitable legal structure and weighing up yield, taxation and long-term transmission.

  • Financing optimisation and renegotiation
  • SCI, non-professional furnished rental, bare ownership structuring
  • Trade-offs between yield / taxation / transmission
  • Income property & SCPIs
  • Integration into the overall wealth strategy
05

Retirement & protection planning

Building a secure retirement requires anticipating well ahead of the statutory deadlines. We design a strategy for building supplementary income suited to your status — employee, director or self-employed — coordinated with your entire wealth architecture. Disability and death protection is built in from the outset.

  • Individual and corporate PER pension plans
  • Madelin contracts for the self-employed
  • Disability and death protection
  • Projection of future income levels
  • Employee savings and supplementary retirement schemes
06

Director wealth engineering

Business owners face wealth challenges of particular complexity: remuneration, business assets, transmission of the company, personal protection. We step in at every stage of the company's life — creation, growth, sale — to structure your personal and professional wealth with coherence and tax efficiency.

  • Salary versus dividend optimisation
  • Active holding companies, shareholder agreements
  • Contribution-sale mechanism, OBOs, reinvestment of sale proceeds
  • Business sale & structuring of proceeds
  • Profit-sharing, employee shareholding, savings plans
07

Modern tools & management

Rigorous management requires a consolidated view of all your assets. We provide you with aggregation and reporting tools that offer full visibility over your wealth, regardless of how many institutions are involved. Access to the best solutions on the market — mutual funds, ETFs, SCPIs, structured products, Luxembourg mandates — is permanent and unbiased.

  • Multi-institution wealth aggregation
  • Consolidated reporting and regular monitoring
  • Access to ETFs, mutual funds, SCPIs, structured products
  • Discretionary management mandates on Luxembourg contracts
  • Continuous regulatory monitoring
08

Network of partner professionals

The complexity of certain wealth situations goes beyond the sole field of wealth management advice. We work within an open network of notaries, tax lawyers, accountants, financing brokers and insurance engineers — professionals selected for their expertise, with whom we coordinate action in the service of your file.

  • Notaries (transmission, property)
  • Tax lawyers (complex structures)
  • Accountants (directors, self-employed professionals)
  • Property financing brokers
  • Insurance engineers (major risks, tax niches)
First meeting

Three steps,
no obligation.

The first contact follows a simple, transparent method. Each step leaves you free to continue or not, with no financial consideration until joint validation of any potential engagement.

I

Getting in touch

You write to us via the form or by phone. We reply within 24 working hours to arrange a time, either in Grasse, by video call or at your home, depending on your preference.

II

Discovery meeting

Around 45 minutes of discussion, free of charge and confidential. An initial mapping of your situation, identification of your goals, first technical insight. No subscription, no product presented.

III

Formal proposal

If the meeting confirms an interest in working together, JR CONSEIL sends you a clear, documented and costed engagement letter — which you remain free to accept, amend or decline.

Discussion around a meeting table — first wealth advisory meeting
45min
No obligation
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First meeting

Let's build your
wealth strategy together.

A first meeting, free of charge, to assess the relevance of working together. No obligation.

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