real estate – Riviera Wealth Management

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

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

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

SCPI Bare Ownership: Dismember to Invest Smarter

SCPI bare ownership allows French property fund shares to be acquired at a 17–40% discount with zero income tax liability during the dismemberment period. For investors at the 45% marginal rate, the net annualised return over 10 years nearly doubles that of full ownership.

août 13, 2026

Étiquette : real estate