Private wealth management represents a major challenge for wealthy individuals and entrepreneurs. Primonial Gestion Privée is a leading player in this field, offering tailor-made solutions to optimize and protect assets. This expertise calls for a global approach integrating tax, legal and financial aspects, particularly in the context of specialized professional accounting services.

What is Primonial Gestion Privée?

Founded in 2006, Primonial Gestion Privée is a leading independent asset management company, helping wealthy private clients structure and optimize their assets. With over 15 years’ experience, the company currently manages over €2 billion in assets and offers personalized services ranging from financial management to complex wealth engineering.

Primonial Gestion Privée’s approach is based on an in-depth analysis of each client’s wealth situation, carried out by a team of over 30 certified wealth management advisors. These experts assess financial objectives, tax constraints and inheritance plans to develop appropriate strategies, backed by AMF (Autorité des Marchés Financiers) approvals and industry-recognized professional certifications.

Primonial Gestion Privée mainly serves over 1,500 clients, including company directors, the self-employed and private individuals with assets in excess of 500,000 euros. Primonial Gestion Privée offers a diversified range of investment solutions, including discretionary management, structured products and real estate, with an entry-level fee suited to significant assets.

Wealth Management and Tax Optimization Services

Primonial Gestion Privée stands out for its proprietary methodological approach, which combines quantitative analysis with qualitative expertise. With a minimum asset under management of 500,000 euros, the company offers customized management mandates tailored to each client’s specific risk profile.

Tax optimization is Primonial’s DNA, with a dedicated team constantly analyzing the implications of wealth tax and developing innovative structures. The company has posted average returns of 6.8% net of fees over the past five years, with competitive management fees ranging from 1.2% to 1.8% depending on the mandate.

Primonial’s specialized services include :

• Mandated portfolio management with dynamic allocation
• Proprietary market analysis and asset selection platform
• Advanced wealth engineering and customized tax optimization
• Real estate support through exclusive partnerships
• Structuring family holdings and complex legal arrangements

Primonial’s proprietary analysis methodology is based on an algorithmic opportunity scoring model, coupled with the expertise of senior asset managers with an average of 15 years’ experience. This approach enables an optimized asset allocation with a typical breakdown of 40% equities, 35% bonds, 15% real estate and 10% alternative investments, adjusted according to each client’s objectives.

The tax challenges of private banking

The tax dimension plays a central role in private wealth management. Constant regulatory changes require constant legal monitoring and adaptation of wealth management strategies.

Donations and inheritance tax issues are a major concern for Primonial Gestion Privée customers. Anticipating the transfer of assets helps optimize inheritance tax and preserve family wealth.

The impact of the IFI (Impôt sur la Fortune Immobilière) on wealth strategies requires regular adjustments. Our advisors assess the thresholds for tax liability and propose appropriate tax-efficient solutions.

The main tax issues concern :

• Optimizing the IFI tax base
• Structuring capital gains on real estate and securities
• Management of property and financial income
• Gift and estate planning
• Using tax exemption schemes

Specialized legal and tax support

The growing complexity of tax and wealth management regulations makes the involvement of specialized legal experts essential. Primonial Gestion Privée has developed a network of privileged partnerships with renowned tax law firms, enabling it to take full charge of its clients’ legal and tax issues.

This structured collaboration is built around a rigorous process: prior analysis of the file by Primonial teams, co-construction of solutions with partner lawyers, then implementation and monitoring of wealth management packages. We pay particular attention to corporate tax issues for managers and entrepreneurs, with convincing results: on average, our clients achieve tax optimization of 15 to 25% on their wealth structures.

Legal support also covers issues of family governance and business transfers. Of the 200 transfer cases handled each year, Primonial Gestion Privée achieves average tax savings of 180,000 euros per case, thanks to tailor-made family pacts and asset holding companies. A recent case illustrates this expertise: the restructuring of a family group enabled the IFI to be reduced by 60%, while optimizing the transfer to heirs.

Our customers benefit from specialized tax advice that ensures the security of their wealth management decisions. This multi-disciplinary approach guarantees the conformity of the strategies implemented, while maximizing their tax efficiency, with a 95% success rate for complex structures validated by the tax authorities.

Private wealth management with Primonial requires a global approach that integrates financial expertise and legal advice. This synergy makes it possible to optimize assets while complying with ever-changing regulatory and tax constraints, generating measurable, lasting results for a demanding clientele.

Primonial’s expertise and references

Primonial Gestion Privée relies on a highly qualified team, whose members hold recognized certifications in the financial sector, including AMF, CIF (Conseiller en Investissements Financiers) and CGPC (Conseiller en Gestion de Patrimoine Certifié). This expertise is backed up by rigorous ongoing training, enabling advisors to keep abreast of regulatory and tax developments.

Experience for excellence:
Primonial’s wealth management advisors have an average of over 15 years’ experience in the financial and wealth management sector. This seniority guarantees an in-depth understanding of the complex issues faced by high-net-worth clients.

Market recognition testifies to the quality of services offered by Primonial Gestion Privée. The group has received several awards for its excellence and innovation in wealth management solutions, consolidating its position as a leader in the sector.

Primonial Gestion Privée is an active member of several prestigious professional organizations:

• ANACOFI (National Association of Financial Advisors)
• CNCGP (Chambre Nationale des Conseils en Gestion de Patrimoine)
• AFG (Association Française de la Gestion Financière)
• Le Cercle des Fiscalistes

These affiliations guarantee compliance with a strict code of ethics, and enable Primonial to play an active role in discussions on the development of the wealth management advisor profession. This involvement in the professional ecosystem ensures that Primonial’s clients receive support in line with the industry’s best practices.