life insurance – 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

Future Protection Mandate: Anticipating Incapacity to Safeguard Your Wealth

How to designate a trusted proxy to manage your life insurance, SCPI and real estate portfolio in the event of incapacity — and avoid the paralysis of court-imposed guardianship.

septembre 24, 2026

French Life Insurance in 2026: How to Rebalance Towards Unit-Linked Funds After the Fed Pivot

The first Fed rate cut of the cycle reshapes the risk/return equation between euro funds and unit-linked investments. A practical guide to rebalancing your French life insurance before end of 2026.

septembre 8, 2026

The Capitalisation Contract: the overlooked envelope for optimising your estate transfer

The capitalisation contract shares the favourable tax advantages of life insurance after 8 years, but stands apart through its unique estate transfer specificities: gifting with preserved tax seniority, accessibility to legal entities, and exclusion from exit tax.

août 8, 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

Life Insurance Withdrawals in Retirement: The Optimal Tax Strategy

Annual allowances, multiple contracts, scheduled withdrawals — how to draw down intelligently from your French life insurance in retirement without overpaying tax.

juillet 7, 2026

Fixed-Maturity Bond Funds: Capturing Today’s High Rates Before the ECB Pivots

ECB at 2.25%, French OAT at 3.72% — fixed-maturity bond funds allow you to lock in today's high yields for 3 to 5 years. A complete guide for integrating them into your life insurance, PER or securities account.

juillet 4, 2026

Future Protection Mandate: the discreet tool that shields your estate against incapacity

Guardianship, curatorship or notarised mandate? For families with significant assets, the Future Protection Mandate is the legal instrument that organises in advance the management of all asset classes without judicial intervention.

juillet 2, 2026

Mid-Year Wealth Review 2026: 5 Decisions You Should Not Postpone Until September

Livret A at 1.5%, flat tax raised to 31.4%, SCPIs rebounding: at the fiscal mid-year, here are the 5 wealth management decisions to make before summer to optimise taxation, returns and estate planning in 2026.

juin 30, 2026

Flat Tax or Progressive Income Tax: How to Optimise Your Savings in France in 2026

PFU at 30% or income tax option? Find out how to choose the optimal fiscal strategy for your capital income according to your marginal tax bracket, and which tax wrappers to prioritise in 2026.

juin 27, 2026

Étiquette : life insurance