Constellation Patrimoine advises private clients across four inseparable areas: reducing the tax burden, investing in property, growing savings, and preparing for retirement and the transfer of wealth. Every engagement begins with a full audit of your situation and leads to a written report of costed recommendations. The first discovery meeting is free.
Taxation is usually the first place where wealth loses value. We identify the schemes genuinely suited to your marginal rate and your income: deduction from taxable income, a direct tax reduction, or lighter taxation of rental income. The right scheme is not the one that looks best on paper, but the one that matches your horizon and your tolerance for risk. We quantify the expected saving before any decision is taken.
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Property remains the only asset a bank will readily finance, which is what makes it a unique lever for building wealth. We support you from arranging finance through to choosing the vehicle: direct letting, furnished letting, SCPI funds, bare ownership or holding through a property company. Each route has its own tax consequences and its own level of involvement, and we compare them with you before anything is committed.
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We build genuinely diversified portfolios, spread across asset classes that do not move together: equities and currencies, bonds and term deposits, gold and precious metals, property. We deal directly with the major international asset managers, Pictet, Goldman Sachs, Fidelity, Franklin Templeton, Arkéa, with no additional intermediary and therefore no extra layer of fees. We also give access to wrappers normally reserved for private banking: Luxembourg assurance-vie from €250,000 and a Swiss bank account from €300,000, both particularly relevant for international wealth. The management is carried out by the firm itself: this is not product distribution.
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Both subjects are prepared years in advance: the earlier you act, the more numerous and the less costly the levers. On retirement, we estimate the gap between your current income and your future pension, then build the supplement. On succession, we organise how your assets are held: assurance-vie, lifetime gifts, dismemberment of ownership or a family property company, in coordination with your notaire.
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Our clients are varied, but share one situation: significant financial decisions to take, with no independent adviser to shed light on them.
A bank distributes its own products. An independent firm selects from the whole market. Constellation Patrimoine works on an open-architecture basis: we are under no obligation to place any product, and we set out the fees, the products and the reasoning behind the advice from the first meeting. With more than €10 million of assets under management and 7 years of experience, the firm rests on three principles: transparency, clarity and rigour. We advise clients from our Paris office and, internationally, through Mevlana Investments LLC in Dubai.
As soon as a decision commits your wealth over several years: a rise in your tax bill, a property purchase, an inflow of capital, retirement approaching or an estate to organise. The longer the lead time, the more levers are available and the less they cost to put in place.
No, for wealth advice and property there is no entry requirement. For managed financial portfolios in France we work from €20,000. Certain premium wrappers carry their own thresholds: €250,000 for Luxembourg assurance-vie and €300,000 for a Swiss bank account.
Yes. The first discovery meeting is free and carries no obligation. It is used to understand your situation and objectives, and to establish whether our advice is genuinely relevant to you. It can take place at our offices at 11 Avenue de Friedland in Paris, or by video call.
In three stages. First a full audit: gathering information and understanding your needs. Then the presentation of one or more tailored investment and tax solutions, with a written recommendations report. Finally implementation and monitoring, with a quarterly review.
A bank distributes the products of its own group. An independent firm selects from the whole market and deals directly with the major international asset managers. Constellation Patrimoine works on an open-architecture basis, with no obligation to place any product, and sets out its fees at the first meeting.
tax reduced in client households
of assets under management
more savings than the average French household
years of experience in wealth advisory
Committed to making a positive difference, we work to provide financial solutions suited to your particular circumstances, while maintaining an exceptional standard of service.
Specialist financial expertiseAdvice tailored to you
We aim to shape a brighter financial future through considered advice and innovative solutions, building confidence and helping our clients achieve what they set out to do.
Financial guidance within reachFreedom and peace of mind
An exploratory meeting to assess your financial situation and see how we can help, at no cost and with no obligation.
01Together we set out the terms of our partnership and put forward tailored solutions suited to your circumstances.
02Access carefully selected investment opportunities and grow your wealth towards your objectives, with support at every step.
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