Wealth advisory
for Business Executive
Your Objectives
As a professional or business owner (SME, TPE, or PMI), your professional activity often represents the largest portion of your wealth and your primary source of income. Do you want to secure this entrepreneurial wealth while diversifying, growing, and sustaining your personal assets?
OptiFi offers a comprehensive approach to wealth management for business owners, considering both your personal assets and your business assets. With our expertise in wealth engineering dedicated to entrepreneurs, we ensure optimized and secure management of your entire portfolio.
Our Solutions
Develop Your Personal Wealth
- Wealth Engineering: Implementation of legal and tax expertise to efficiently structure your assets with solutions tailored to business owners, particularly during the sale or restructuring of a company.
- Financial Savings: Financial savings for business owners should be viewed with a medium to long-term perspective, focusing on enhancing your savings, growing your capital, preparing for retirement, or transferring your wealth.
- Purchasing the Premises of Your Business: This is a valuable wealth strategy for business owners that can be highlighted following a wealth engineering mission. OptiFi can support you in its implementation, thanks to our expertise as a credit broker.
- Madelin Retirement Plan: Aimed at self-employed workers, the Madelin retirement plan allows business owners to build a supplementary retirement income through capital accumulation while benefiting from tax deductions on contributions.
Compensation Optimization
- Legal and Social Expertise: OptiFi can assist in optimizing your compensation structure by assessing the relevance of a holding company, defining the optimal salary level before triggering dividends, and utilizing employee savings schemes.
- Employee Savings Plans: Employee savings plans for business owners include collective savings schemes that benefit from reduced social contributions, such as profit-sharing or incentive plans. The distributed sums can be received directly or invested in an employee savings plan: PEE or PERCO.
Business Cash Management
- Medium-Term Cash Management: There are several solutions to grow your company’s cash, such as term accounts, capitalization contracts, structured products, usufruct of SCPI shares, etc.
- Long-Term Cash Management: Capitalization contracts can also be used for long-term investment, but real estate remains the preferred long-term investment. A rental investment involves purchasing a property (directly or via a real estate company – SCI) with the aim of generating rental income. Depending on the setup, these incomes may benefit from tax advantages.
Our Methodology
Throughout our collaboration, we involve you in every decision to define the strategy that will help you optimize your wealth growth and monthly savings capacity. Our expertise in wealth management allows us to offer solutions tailored to the specific needs of business owners. All the solutions we propose and implement comply with regulatory standards and our code of conduct.
