Case Studies
Explore our insights and advice on wealth management
Our Case Studies - Real-Life Situations, Practical Solutions
Wealth management analyses based on real-life scenarios, clearly explained to help you understand, make decisions, and plan for technical issues in the following areas:
legal,
financial and
tax-related.
Some are also written in English for our international clients.
Each article is based on a concrete and realistic case study drawn from actual situations encountered by our clients.
* Each case is anonymized and presented for informational purposes only. Since everyone’s financial situation is unique, these examples are not a substitute for personalized guidance.
Investing in bare ownership: a tool for building equity and diversifying real estate assets
The French real estate market is at a turning point. Faced with an uncertain legal and tax environment, many investors are questioning the long-term viability of the preferential tax regimes for furnished rentals (LMNP, LMP). In this context, how can one invest in real estate while limiting exposure to the uncertainties of taxation and management? There is an answer: investing in bare ownership.
Should one take advantage of the property tax credit in 2025, given the current rules?
The French are keen on investing in real estate. There are several tax regimes governing rentals, such as the property income regime and the furnished rental regime. When purchasing a property, one might wonder whether renting out a furnished unit through an SCI or opting for the property deficit scheme are actually good ideas. Although the property deficit scheme offers significant tax advantages, it also has limitations that should be fully understood before committing.
Real Estate in Life Insurance: A Good Idea or a Dead End?
Life insurance remains one of the French people’s favorite investment options, thanks to its flexibility, attractive tax treatment, and ability to pass on wealth. But with returns on euro-denominated funds on the decline, many savers are turning to unit-linked policies, particularly those focused on real estate. SCPI, OPCI, SCI: the range of options is expanding. But should you really include real estate in your life insurance policy? Let’s take a look at the advantages and limitations together.
Quasi-usufruct: The Reform That Could RUIN Your Estate Planning Strategy!
Since September 26, 2024, a simple oversight or an error in the paperwork can result in tens of thousands of euros in inheritance taxes. The new anti-abuse rule on quasi-usufruct is upending the most common estate planning structures. In this article, learn how to safeguard your arrangements, avoid the most common mistakes, and use a concrete, cost-based example to gain a clear understanding.
The Tontine: A Quiet Ally for Blended Families
In blended families, managing an estate and the transfer of assets can quickly become complex. When spouses have children from previous relationships, the challenge of ensuring fairness among heirs and safeguarding the surviving spouse is critical. Among the legal mechanisms available to address these issues, the tontine clause proves particularly effective in protecting the family home and simplifying the transfer of assets.
Bequests: A complementary tool for optimizing your estate planning strategy
Given the challenges associated with asset transfer, mechanisms such as gifts and the division of property often take center stage in estate planning strategies. But are these tools sufficient to establish a well-rounded strategy? Can drafting a will contribute to this goal? Are these approaches alternatives or complementary?
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