About us

Who are we ?

OptiFi is a financial & wealth management firm headquartered in Nice (Côte d’Azur) since 2016. We also provide mortgage brokerage services.

We are backed by the HF&M Associés group, a local french firm who has built relations with banks, insurers, fund management companies for over 10 years.

This structure allows us to support our clients globally and to offer tailor-made solutions.

The firm was created by Gary Vigier: he is an engineer in industrial systems, who then acted as a sales-trader in the largest financial centers (NY, Amsterdam & London). OptiFi has inherited its DNA from Gary’s technical background. We strive to accompany our customers by getting to know them and their projects, and by looking under the hood of financial instruments in order to understand the pros & cons.

Finally, we focus on servicing international profiles, either expatriates living in France or non-residents.


OptiFi is a wealth and financial management firm. This profession is regulated and we are registered at ORIAS under the number 16001435, for the following activities:

Financial Investment Advisor (CIF), registered under the number E008387 with the National Association of Financial Advisers called ANACOFI, an association approved by the AMF (Autorité des Marchés Financiers)

• Intermediary Agent for Banking Operations & Payment Services (MIOBSP) – ie. Mortgage broker

• Insurance Intermediary (IAS)

Finally, in accordance with the law and our code of conduct, OptiFi has professional liability coverage and financial guarantee covering these activities.

Our methodology

A personalized approach to consulting

Each financial and asset situation is unique : this is why we place at the heart of our support, listening and taking into account your specific needs.

Before any recommendation, a patrimonial audit aiming to apprehend your situation, as well as your future projects is carried out. At the end of this, we will be able to recommend recommendations.

Our technical expertise DNA is then expressed at several levels of the process:

• Financial engineering : analysis and recommendation on how assets should be structured in order to achieve your objectives

• Once the structure has been decided, we proceed to the selection of partners and their financial products (we are not afraid to open the hood to understand how they work)

• Finally, continuous monitoring of the portfolio is ensured: this could range from a simple suitability check, to global and continuous optimization. The level of service is then chosen by the customer.

The quality of the relationship we establish with our clients, our sense of ethics and confidentiality, allow us to establish the trust necessary for a long-term relationship .

So that you can verify the appreciation of our support, we invite you to consult the opinions given on our Google page .

Expert in financial wealth management

We provide you with our expertise in financial asset management to enable you to build, structure or restructure it, whether you are a tax resident in France or abroad.

Our expertise covers all aspects of asset and financial advice.

When you contact us, we carry out an asset and financial audit of your situation in order to better define the asset and financial strategy that suits you.

This analysis allows us to make the necessary adjustments to your assets and may include tax optimization , preparation of your succession, the choice of suitable financial investment products such as SCPIs , the Girardin Industriel system , and financing support. of your projects .

Our goal is to provide you with the best advice and the best level of service by letting you benefit from our experience in the field of financial investments and mastery of the financial markets.

OptiFi is at your side for:

• Optimize your tax situation

• Guide you in the choice of investment vehicles

• Grow, enhance and secure your assets

• Prepare for your retirement

• Organize the transmission of your assets under the best conditions

Our support method is supported by a set of technical tools that allow us to offer you different scenarios as part of an optimized management of your assets.

Learn more about  our methodology .

Our remuneration


Our consulting and brokerage services give rise to an invoicing of fees.

We issue recommendations that you are free to implement on your own or through us.

In order to ensure quality services, a fixed amount of fees will be invoiced, taking into account the scope and complexity of the analysis mission.

Financial advice

Consulting fees are mentioned in the engagement letter which is signed upstream of any study. These fees are deducted from any entry fees, if you decide to implement our recommendations via OptiFi.


Brokerage fees are mentioned in the financing search mandate which is signed upstream of any filing in the bank. These fees will only be due in the event of the release of funds, that is to say in the event of success!


Our banking and financial partners (managers, insurers, etc.) can retrocede part of their own remuneration (entry fees, management fees, fees) to us.

Financial advice

The retrocession of the entry fees is the counterpart of the time devoted to the selection of the partner. Moreover, we pool our requests to negotiate preferential conditions (reduced fees, lowered access thresholds, etc.). The retrocession of the management fees of the contract aims to guarantee our monitoring of the portfolio.


During a credit brokerage mission, we may receive a business contribution commission from the financial institution.

This aims to remunerate the preparation of the file which will save time for the various bank advisers.

The details of our remuneration can be obtained at any time on simple request.

The team

Gary Vigier

Managing Director & Founder

Gary Vigier is an industrial engineer by training, graduated from the University of Technology of Troyes (UTT). He then decided to turn to finance by following a master’s degree specializing in Market Finance and Technological Innovation from SKEMA Business School.

With this technical base, Gary Vigier quickly took on the duties of trader and sales trader for more than 8 years, and this across the world having evolved in New York, Amsterdam and London.

His experience in the financial markets as well as his interest in developing his own assets led him to create OptiFi in 2016.

Tanya Bencheva

Strategy consultant & CEO of Native Spaces

Tanya Bencheva brings reflection and gives strategic direction to OptiFi. This allows us to ensure competitive services, but also to offer the most appropriate customer experience.

Tanya Bencheva now runs Native Spaces , an online platform aimed at becoming the leader in event organization. Prior to that, Tanya was an experienced strategy consultant who supported companies in various industries to increase their revenues, differentiate themselves and improve their margins through process improvement.

Before becoming an independent consultant, she worked at Strategy & of the PwC group.

Our partner

F&M Associés  was created in 2008. It was initially a real estate loan broker but which very quickly knew how to develop in order to become a consulting firm in wealth management. HF&M is an active partner of OptiFi and supports its development.

Contact Us


31 Rue de Paris

06000 Nice

06 99 82 67 61