Wealth Management – Riviera Wealth Management

Year-End 2026: Five Wealth Planning Decisions You Cannot Afford to Delay

Three months remain to optimise your 2026 tax position: PER retirement contributions, capital loss harvesting, tax-advantaged giving, family gifts and life insurance switches — five wealth planning decisions to make before 31 December.

septembre 29, 2026

France 2027 Budget: the gift tax window — what families need to plan for now

France's 2027 Finance Bill proposes a flat 6% gift tax rate and a raised family cash gift ceiling. A landmark fiscal window — but with potential trade-offs. What to do before the vote.

septembre 26, 2026

Bare Ownership of Real Estate: Acquiring at a Discount to Compound Without Tax

A little-known wealth planning structure: acquire bare ownership of French real estate at a 30–40% discount, generate zero taxable rental income and zero IFI liability for 15–20 years, then reconstitute full ownership automatically at maturity.

septembre 22, 2026

The Family Holding Company: The Underused Wealth Optimisation Tool for Entrepreneurs

Parent-subsidiary regime, tax consolidation, Dutreil pact: how a family holding company reduces dividend taxation from 30% to under 1.3% and optimises wealth transmission for French Riviera entrepreneurs.

septembre 19, 2026

Corporate Tax (IS) or Personal Tax (IR) for Your French SCI? The Right Regime in 2026

IS or IR for your French SCI? Depreciation, capital gains allowances, double taxation at exit: the complete guide to choosing the right tax regime for your real estate holding company in 2026.

septembre 10, 2026

Life Annuity Property in France: Sell Your Home, Earn a Lifetime Income, and Transmit Your Wealth

The French life annuity (viager) allows you to sell your property, receive a lifetime income taxed at only 30% from age 70, reduce your IFI wealth tax, and optimise estate transmission.

août 29, 2026

The tontine clause in French real estate: protecting your partner without inheritance tax

A little-known yet highly effective mechanism, the French tontine clause allows the surviving partner to become sole owner of a property at the cost of a simple transfer duty (~3.80%), bypassing the 60% inheritance tax rate. How to protect your partner without marriage or PACS.

août 22, 2026

The Family SCI: protect and transfer your real estate wealth

The family SCI allows progressive real estate transfer while eliminating joint ownership disputes and optimising estate tax. Full guide: share dismemberment, IR vs IS choice, key risks.

août 15, 2026

In Fine Loan Backed by Life Insurance: Wealth Leverage and Tax Optimisation in 2026

An in fine loan paired with a life insurance contract maximises interest deductibility and reduces the IFI wealth tax throughout the loan term — a powerful wealth strategy for high-income investors.

août 4, 2026

Temporary Usufruct: Reducing Wealth Tax, Transferring Income and Planning Succession

A temporary usufruct transfers usufruct rights over an asset for a fixed term, valued at 23% per 10-year period (Art. 669 CGI). An underused French planning tool to reduce IFI wealth tax, shift income to lower-bracket beneficiaries, and prepare succession at low cost.

août 1, 2026

Catégorie : Wealth Management