FAQ
Frequently Asked Questions
Find answers to the most common questions about our firm and services. If your question is not addressed here, please do not hesitate to contact us directly.
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Frequently Asked Questions About RWM
We have organized our answers by topic to help you better understand our approach, services, and process.
Our Firm
What is an independent wealth management advisor?
An independent wealth management advisor is a professional who is not affiliated with any banking or insurance group. This independence ensures advice aligned with your interests alone, without commercial pressure from a financial group. At Riviera Wealth Management, we are registered as Financial Investment Advisors (CIF) and Insurance Brokers (ORIAS). Our firm is a member of the CNCGP (National Chamber of Wealth Management Advisors), the reference professional body.
Since when have you been operating and what is your track record?
Riviera Wealth Management was founded in 2010 and has accumulated solid expertise in managing wealth of all sizes. Our team combines diverse skills in taxation, wealth engineering, fund selection, real estate, and estate succession. We serve over 300 clients and manage several hundred million euros in assets. Our reputation is built on rigorous methodology, genuine listening, and tangible results for our clients.
Where is the firm located and how does a first meeting take place?
Our firm is located in Mougins, in the heart of the French Riviera. We welcome our clients at our offices at 840 Avenue des Parcs, 06250 Mougins. A first meeting lasts approximately 30 minutes and is entirely free and without obligation. We conduct an in-depth review of your situation, objectives, and concerns. For those outside the region or traveling frequently, we also offer video conference consultations.
Our Services
What services do you offer exactly?
We provide comprehensive support covering four pillars:
- Investment advisory: asset allocation, fund selection, discretionary management
- Wealth engineering: tax and legal structuring, succession planning
- Life insurance and protection: optimized contracts, wealth protection
- Real estate and tax optimization: SCPI, LMNP, specialized solutions
These services combine to form a global and coherent wealth strategy.
What is the minimum wealth amount to use your services?
There is no fixed minimum. However, given the personalized nature of our advisory and the time dedicated to each client, we recommend a minimum asset base of around 500,000 euros for the relationship to be viable. We examine each situation individually and discuss terms directly with you.
How is Riviera Wealth Management compensated?
We operate under two compensation models, at the client’s choice:
- Fees: direct billing for our advice and services, complete transparency
- Commissions: commission on placed products (insurance, funds, etc.)
In all cases, our models are structured to minimize conflicts of interest and maximize your satisfaction. We never accept undisclosed fees.
Regulation and Security
What are the regulatory safeguards to protect my wealth?
As a Financial Investment Advisor and Insurance Broker, RWM is subject to strict regulation in France. We are registered with ORIAS and members of the CNCGP. Each advisor undergoes mandatory continuing education. Additionally, we are insured with professional liability coverage for all risks. Finally, our clients benefit from guarantor fund protections in case of issues with financial products.
How are client data managed and secured?
The confidentiality and security of your personal data is our absolute priority. We comply with GDPR regulations and use a secure infrastructure with data encryption. Access to sensitive information is strictly controlled and limited to advisors assigned to your account. We never share your data with third parties without your explicit consent. A detailed document on our Privacy Policy is available upon request.
What about conflict of interest management?
We have implemented a formal conflict of interest management policy in compliance with applicable regulations. All advisors are required to disclose any situation that could create a conflict. Our transparent compensation model (clearly disclosed fees or commissions) naturally limits conflicts. We also ensure that our recommendations are in your exclusive interest, without internal commercial pressure.
Process and Collaboration
How does your step-by-step support process work?
Our process breaks down into four clear steps:
- Discovery Meeting: review of your situation, objectives, and concerns (30 min, free)
- Wealth Audit: comprehensive analysis of your assets, taxation, and risk profile
- Customized Strategy: presentation of personalized recommendations with concrete figures
- Ongoing Support: implementation, regular reporting, and adjustments as needed
Each step is governed by a clear contract and validated with you before proceeding.
Have other questions?
Our team is ready to discuss your specific situation and answer your questions. We invite you to schedule a first free consultation.
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