Our Solutions
Solutions tailored to every profile
Every estate is unique. Discover how we support our clients according to their profile and specific needs.
Our Client Profiles
Five profiles, five bespoke approaches
From entrepreneurs to families planning succession, we tailor our expertise to every wealth situation. Discover your profile and the solutions dedicated to you.
The Entrepreneurs
As business builders, you have concentrated your wealth in your professional activity. We help you structure this wealth by protecting your capital, optimizing your business and personal tax positions, and preparing key transitions: growth, acquisition, sale, or succession.
Key Solutions
- Optimization of business legal and tax structure (sole proprietorship, partnership, corporate form, holding companies)
- Wealth diversification strategy to reduce concentration risk
- Retirement savings plans and executive pension arrangements
- Business valuation and succession or sale preparation
- Life insurance and customized beneficiary designation
Use case: Vincent, 48, managing director of a growing SME, seeks to secure his professional income, prepare for retirement, and anticipate a potential business sale within 5-7 years. We build an optimized tax strategy combining diversified investments in open architecture and life insurance for succession planning.
The Senior Executives
With high income and significant responsibilities, you have substantial savings capacity but seek to optimize your tax burden and manage your risks effectively. Our solutions help you build balanced wealth, tax-efficiently structured, and adapted to your sophisticated investment profile.
Key Solutions
- Investment advisory and personalized asset allocation
- Tax optimization structures (holding companies, real estate partnerships, civil companies)
- Real estate or alternative investments (real estate funds, tax-advantaged property, portfolio optimization)
- Discretionary management with regular monitoring and detailed reporting
- Life insurance and executive protection for succession planning
Use case: Helena, 55, deputy general director with a salary of 180,000 euros, seeks to implement a tax-efficient strategy and build real estate wealth. We propose an allocation between real estate investments, life insurance in open architecture, and managed funds to optimize her tax position.
The Expatriates
Residing on the Côte d’Azur yet citizens of the world, you face multi-country wealth complexity: progressive taxation in France, international tax status, foreign currencies, overseas real estate. We master these challenges and guide you toward an optimized and compliant strategy.
Key Solutions
- Wealth restructuring accounting for multi-national tax regimes
- Currency risk management and foreign currency investments
- International real estate and compliant capital repatriation
- Life insurance and retirement plans adapted to expatriate context
- French and foreign tax compliance (FATCA, CRS, double taxation agreements)
Use case: Martin, 52, multinational executive of Belgian nationality residing in Antibes, holds real estate in Belgium and Luxembourg, with income in euros and dollars. We restructure his portfolio to optimize his tax position and ensure compliance with French and international authorities.
« Every family has its story. Our role is to write it with you for generations to come. »
The Families & Succession
You have built substantial wealth over the years and wish to pass it on to your children or heirs under optimal conditions. We help you structure this succession, optimize inheritance tax, and prepare a smooth and transparent wealth transition.
Key Solutions
- Optimized wealth architecture for succession (real estate partnerships, family holding companies, protective clauses)
- Life insurance with personalized beneficiary designations for heirs and spouses
- Strategic gifts and succession planning
- Family mediation and protective clauses (inalienability, usufruct)
- Progressive management of multi-generational wealth
Use case: Sylvie and Jean-Paul, both 60, hold substantial wealth: three Parisian apartment buildings, a villa on the Côte d’Azur, and a stock portfolio. They wish to pass it on peacefully and protect their three children’s inheritance. We structure through a family holding company and organize strategic gifts.
The Investors
You hold substantial financial or real estate wealth and seek to grow it intelligently while managing risks prudently. We build a refined investment strategy and advantageous solutions to optimize your income and tax position.
Key Solutions
- Dynamic and diversified portfolio management in open architecture
- Personalized asset allocation aligned with your risk profile and objectives
- Alternative investments (real estate, real estate funds, capital funds, hedge funds)
- Advanced tax structuring to optimize income and capital gains
- Detailed reporting and long-term strategy for wealth perpetuation
Use case: Philippe, 65, successor to a family business sold a decade ago, holds 15 million euros in capital. He seeks a stable investment strategy generating 200,000 to 300,000 euros annually. We build an allocation with geographic diversification, real estate investments, and optimized tax management.
Getting Started
Let’s take time for an initial conversation
A 30-minute discovery meeting, with no commitment and in complete confidence, to understand your situation, identify your profile, and explore how we can support you.
The information presented on this website is provided for informational purposes only and does not constitute investment advice, a personalized recommendation, or an offer of financial products. Past performance does not guarantee future results. All investments carry risks, including potential capital loss. Before any investment decision, we recommend consulting your wealth management advisor. Riviera Wealth Management is registered as an Investment Advisory firm (CIF) with ORIAS under number 11 060 879 and is a member of CNCGP.