Our professional accreditations
Riviera Wealth Management holds several regulated licences, ensuring competence, independence and the protection of our clients.
Competence, transparency and protection
Each accreditation results from rigorous audits and ongoing training, ensuring advice that meets the highest professional standards.
CIF — Financial Investment Adviser
Registered with the French Financial Markets Authority (AMF), member of the CNCGP. Guarantees competence and regulatory compliance in financial advisory and investment counsel.
COA — Insurance Broker
Registered with ORIAS under the supervision of the ACPR. Enables us to offer life insurance, capitalisation and protection contracts from all providers on the market.
COBSP — Banking Operations Broker
Registered with ORIAS under the supervision of the ACPR. Enables intermediation in banking operations (mortgage lending, business loans) with all institutions.
GDPR — Data Protection
Full compliance with the General Data Protection Regulation. A designated Data Protection Officer (DPO) ensures the confidentiality and security of your personal information.
AML-CFT — Anti-Money Laundering
Internal vigilance procedures, TRACFIN declarations, ongoing team training. Compliance with the 5th European Directive and French legislation. Regular controls and comprehensive documentation.
MiFID II — Financial Markets Directive
Full compliance with the European directive on financial instrument markets. Fee transparency, suitability of recommendations and product governance applied on a daily basis.
Your protection is our priority
Professional Liability Insurance
Comprehensive protection against professional claims, covering all our advisory activities.
MMA Entreprise
160 rue Henri Champion
72030 Le Mans Cedex 9
Financial Guarantee
Compliance with regulatory requirements for insurance and banking intermediaries.
Funds designed to protect
client assets in the event of
financial difficulty for the firm.
Mediation
Free access to the consumer mediator designated by the CNCGP for amicable dispute resolution.
CNCGP Mediator
Free and independent
amicable resolution.
A rigorous framework at every stage
Our compliance process structures every client interaction, from onboarding to ongoing monitoring, in accordance with MiFID II requirements and AMF recommendations.
Know Your Client (KYC)
Full identification, identity verification, wealth analysis, risk profile assessment and investment objective evaluation.
MiFID II Suitability Test
Verification of suitability between proposed recommendations and the client’s profile: experience, risk tolerance and investment horizon.
Pre-contractual Information
Communication of the Client Engagement Document, engagement letter, complete fee schedule and conflict of interest management policy.
Reporting & Periodic Review
Annual fee reporting (ex-post), periodic suitability reassessment, client profile updates and full traceability of all recommendations.
Who pays us, and how much
It is the first question an informed client asks. Here is the full answer, before the first meeting even takes place.
Advisory fees
Billed directly by the firm, for engagements where the planning work is the service itself: wealth review, structure audit, sale-of-business study, tax-residency analysis, second opinion on an existing allocation.
Amount, basis and terms
set out in an engagement letter
signed before any work begins.
Retrocessions
Paid by the providers (insurers, asset management companies, lending institutions) on the contracts and funds subscribed through us. They pay for ongoing service: reallocations, profile updates, reporting, availability.
Disclosed as an amount
or a percentage before
any subscription.
What this means
Receiving retrocessions means we are not permitted, under MiFID II and the Insurance Distribution Directive, to describe our advice as independent . We therefore do not use the term in that sense. Our independence is one of ownership: no bank, no insurer and no asset manager holds any stake in the firm.
Advice provided on a
non-independent basis,
100 % independent ownership.
Before any decision, you receive the client onboarding document and the engagement letter setting out the fee schedule applicable to your situation. Each year, an ex post statement sets out in full the costs borne and the remuneration received by the firm. Our conflicts-of-interest policy is provided on request: it describes the situations identified and the measures taken to ensure that a difference in remuneration between two solutions never determines the recommendation.
If something goes wrong
A written procedure, binding deadlines and free recourse to a third party. It applies to any dissatisfaction, whatever its subject.
Write to us
By email to contact@rivierawealthmanagement.com or by post: Riviera Wealth Management, 840 avenue des Parcs, 06250 Mougins, France. State the subject of the dispute and enclose any relevant documents.
10 business days, then 2 months
Acknowledgement of receipt within ten business days at most, unless the final reply reaches you within that time. Reasoned reply within two months at most from receipt, in accordance with AMF instruction DOC-2012-07.
The AMF Ombudsman
For a dispute concerning financial investment advice: Le Médiateur de l’AMF, Autorité des marchés financiers, 17 place de la Bourse, 75082 Paris Cedex 02, France, or via the online form. A free public service.
The Consumer Ombudsman
For a dispute relating to our insurance or banking brokerage activities: the consumer ombudsman appointed by the CNCGP, the CMAP, 39 avenue Franklin D. Roosevelt, 75008 Paris, France — submit online. Free of charge for the consumer.
Legal action
Recourse to mediation is optional and at no point deprives you of the right to bring the matter before the competent courts.
Our regulatory authorities
Riviera Wealth Management operates under the supervision of France’s highest regulatory authorities.
National Chamber of Wealth Management Advisers
French Financial Markets Authority
Prudential Supervisory and Resolution Authority — Banque de France
Single register of insurance, banking and finance intermediaries
MMA Entreprise — Professional Liability Insurance
Verify our accreditations
You may verify our licences on the official registries. Transparency is at the heart of our commitment.
Let’s discuss your wealth objectives
A 30-minute introductory consultation, with no commitment. We listen before we advise.
Schedule a consultation