Making the right financial decisions throughout your life is a difficult exercise that can sometimes lead to consequences if you make the wrong choice. Life is not a long calm river, it sometimes has surprises in store for us …

Financial planning is a very valuable tool for estimating the consequences of your decisions, as it helps to avoid errors, minimize risks and secure resources so that you can achieve your financial goals with maximum security. 

Here are the different stages of your financial planning:

• Analysis of your current personal situation: marital status, family and professional situation and plans for the future
• Balance sheet of your overall income, salaried or self-employed activity, investments, real estate, annuities
• Budget of your current expenses, fixed charges and special expenses to plan
• Detailed balance sheet of your assets and debts
• Inventory of your professional and private pension plans

This first phase allows us to fully understand your current situation and to define with you the objectives to be achieved in the short, medium and long term:

• Constitution of targeted savings, investment of capital
• Optimizations and potential tax savings
• Project to acquire real estate, amortization of mortgage debts
• Optimization of your retirement benefits, maintenance of your standard of living
• Study of pre-retirement possibilities, choice between annuity and / or lump sum
• Transmission of the constituted heritage

Detailed knowledge of your financial environment as well as attentive listening to your personal goals and more specifically your risk profile, allow us to develop the strategies and recommendations necessary to enable you to achieve your objectives.

We draw up a detailed report with proposals for optimization measures tailored to your needs.

You can thus compare different solutions, then choose the implementation of the measures adapted to your situation as well as define the frequency of the follow-up of your file.

Our total independence guarantees you a neutral vision and advice entirely dedicated to the security of your own financial context.