Heritage management: "We support our customers in a 360 logic"

By fashionlifeshopping 25/10/2022 747 Views

In this context of health and economic crisis, where the confidence of French households in the future is altered, how to advise investors?How to help them advance in the uncertain future?Answer with Stéphane Biez, former high -level sportsman and founding partner at the origin of the EPSILium wealth management consulting firm.

What dimensions of wealth management do you cover within your office?

Stéphane Biez : Chez Epsilium, nous sommes en mesure de conseiller et d’accompagner nos clients sur tous les aspects de la gestion de patrimoine et de répondre ainsi à toutes leurs problématiques :que ce soit la préparation de leur retraite, la création de patrimoine, la succession, la réduction d’impôts, l’achat et le financement de leur résidence principale, les placements financiers, etc.We are specialists in new and old real estate and more specifically of rental real estate investment, for which we benefit from almost 20 years of experience, which allows us to have sufficient perspective on all the tax systems whichare succeeded and a total mastery of the French market and its ville evolution by city.We also have a credit brokerage unit.Indispensable in the context of our turnkey rental real estate investment solutions, or we are looking for the best bank conditions for our investors.For this, we have recently developed a brokerage franchise with the brand "You finance" in Boulogne Billancourt.We are opening another agency in Bordeaux, and that of Nantes should see the light of day next year.The first challenge is to benefit from all local partnerships to have the most competitive offers.We also have a pole specializing in financial investment.We advise our customers on the placement of their savings, in a logic of private management for individuals, which consists in finding tailor-made financial products.In addition, we support business leaders or persons benefiting from the status of liberal profession in the management of social risks linked to their activity: retirement, death, illness, etc..The solutions proposed range from "key man" to death protection protections, including business savings plans and health mutuals for their employees.In short, we support our customers in a 360 ° logic with a real concept of service and follow -up, which allows us to stand out from competition and have a very strong link with the people we follow.

What trend is currently standing in terms of investment?

Gestion de patrimoine : « Nous accompagnons nos clients dans une logique 360 »

Stéphane Biez : On remarque que les gens ont de l’argent à placer car ils ne dépensent plus dans les loisirs, les voyages, les restaurants, les sorties, etc.The French have never spared as much as during this period of confinement.Some have used this savings to invest in furnished rental real estate (LMNP) and thus create non -tax rental income.They decided to invest in a long -term asset, heritage creator, rather than put their money on booklets.At the same time, and while many French people have decided to withdraw their money from the investments, we have on the contrary, advised our customers to invest in the financial markets.They did well to trust us, many of them achieved a 40%performance, thanks in particular to investments in artificial intelligence.

What about real estate?

Stéphane Biez : Grâce à l’immobilier, nous avons fait plus de 22 % de croissance l’année dernière.In this uncertain climate, the French wanted to invest in a security asset, real estate.Our customers were then able to buy in the major French metropolises (Le Grand Paris, Nantes, Bordeaux, etc..) and others have turned to investments with high potential for retraining in secondary residence or in seasonal rental (in Corsica, in the south of France or in the Arcachon basin).As I indicated, we have also advised some of our customers to invest their dormant savings in real estate to rent in the status of non -professional furnished lessor (LMNP), in order to allow them to receive additional incomeImmediate and non -tax.On the other hand, in terms of rental management, we noticed fewer requests for the rental furnished in Paris, because people are looking for outdoor spaces and that teleworking leads them to move away from thecapital city.

What are the firm's development prospects with regard to these issues?

Stéphane Biez : Dans ce contexte de crise, notre rôle en tant que cabinet de conseil en gestion de patrimoine est de réduire la part d’incertitude qui existe en aidant les particuliers à mener une stratégie patrimoniale et fiscale en vue de sécuriser leur avenir.This is why we have ensured the continuity of our activity since the start of the pandemic.We have adapted our organization and our educational tools to allow our customers to fully understand all the ins and out of projects.This is essential for us.In addition, we have the ambition to develop the credit brokerage activity at the national level.The challenge is to benefit from a real local anchoring to allow individuals to obtain credit solutions for their real estate projects while giving them access to a global heritage advice thanks to the expertise of our advisers in wealth management.We are competitors born, real sportsmen, and we therefore have this desire to become among the leader in our activity.We bet on very marked elements of differentiation: the diversification of recommendations, real expertise in all our areas of intervention, and long -term support for our customers.These different elements of differentiation allow us to achieve almost 60% of our business thanks to the cooptation.This proves that we do things well, and that our customers trust us.What to allow us in any case to glimpse the future with a lot of optimism ...

How to meet a wealth management advisor