Tax Optimization Advisory
Structural Optimization
Before exploring any tax reduction solution, it is essential to analyze your income structure and see if there are structural solutions such as setting up a holding company (or SELARL for professionals), changing your tax regime, or properly utilizing tax allowances.
OptiFi has also developed expertise in selecting solutions to reduce your tax liability, having tested and approved a range of simple and effective measures.
Our Tax Reduction Solutions
Industrial Girardin
Are you looking to reduce your income tax? With the Industrial Girardin investment, you benefit from a tax reduction greater than the amount invested. Your gain will range between 10% and 20%, depending on the timing during the year. This investment is a one-time expense: the amount you invest is recovered the following year in the form of a tax credit that exceeds the amount initially invested.
PER (Individual Retirement Savings Plan)
The Individual PER is a long-term savings product. Contributions may be deductible from your taxable income, allowing you to save during your working life and receive either a lump sum or an annuity starting from retirement age.
Pinel Law
Would you like to reduce your income tax while making a rental real estate investment? By purchasing a property under the Pinel tax incentive scheme, you benefit from a tax reduction over a period of 6, 9, or 12 years, with a growing tax benefit proportional to the rental commitment: 12% for 6 years, 18% for 9 years, and 21% for 12 years.
Malraux Law
If you are heavily taxed on your income and want to reduce your tax liability, the Malraux Law allows for a tax reduction equivalent to 22% or 30% of restoration expenses, depending on the zone’s status chosen for the investment. Through this, you make a rental investment as part of a complete restoration of an old building, with the quality of the restoration supervised by a French Buildings Architect.
FIP-FCPI
Diversify your assets and receive an income tax reduction by investing in innovative or local SMEs that are not listed on the stock market. While accepting a risk of capital loss, you diversify your portfolio by supporting the activities of SMEs eligible for FIP and FCPI schemes. Additionally, this investment grants you a 25%* reduction on the amount invested, subject to applicable limits.
Our Methodology
Throughout our collaboration, we involve you in every decision to define a strategy that will help you optimize your wealth growth and monthly savings capacity. Our expertise in tax reduction allows us to offer solutions tailored to the specific needs of individuals, business owners, companies, and international profiles. All the solutions we propose and implement comply with regulatory standards and our code of conduct.
