Wealth Management · Expertise
For each family, a long-term investment strategy that takes into account all of its assets, financial and real estate, its goals and its tax position, in France, the United States and beyond.
In brief
Wealth strategy means organizing all of a family's assets around clear goals: preserving capital, funding a project, generating income or preparing the next generation. Asset allocation puts that strategy into practice: the split between cash, bonds, equities, real estate and private assets, adjusted to each person's time horizon, risk tolerance and tax situation. At Chevrons, it is built from a consolidated view of the family's wealth and reviewed at least once a year.
Our approach
I
An inventory of all assets and liabilities, in France and abroad: accounts, policies, companies, real estate, debt.
II
Income needs, projects to fund, transfers to plan: each goal gets its own horizon and budget.
III
Assessing tolerance for losses and the capacity to bear them, in line with our duties as a regulated French financial advisor (CIF).
IV
Target allocation by asset class, currency and tax wrapper, consistent with the family's real estate holdings.
V
Choosing institutions, investment vehicles and timing, with close attention to fees.
VI
Periodic review of the allocation and adjustments after market, family or tax events.
Frequently asked questions
It is how wealth is divided among the major asset classes (cash, bonds, equities, real estate, private assets) and among currencies. Over the long run, it explains most of a portfolio's performance and risk, far more than the choice of any individual security.
For a family that owns a Paris townhouse or several buildings, real estate often makes up most of its wealth. The financial allocation must then offset that concentration: liquidity, geographic diversification and attention to the French wealth tax (IFI), which applies only to real estate.
At least once a year, and after any significant event: the sale of a business, an inheritance, a change of tax residence, a marriage or birth, a change in the law. Rebalancing is also needed when markets push the portfolio far from its target allocation.
Yes. The reference currency, each family member's tax residence and rules specific to certain nationalities, notably the US PFIC regime for US persons, shape the choice of investments and wrappers. An allocation suited to a French resident can be tax-inefficient for an American citizen.
Contact
A first confidential conversation lets us review your wealth and your goals, in Paris or by video call.
contact@chevronsfamilyoffice.comChevrons Family Office
97 Bd Malesherbes – 75008 Paris
