What tax advice on your wealth covers
It measures the tax consequences of your decisions and uses the schemes provided by law when they serve a genuine objective: retirement, property, financing businesses, succession.
A tax advantage always comes at a price: conditions, a commitment period, risk on the underlying asset, often a cap. Chosen for the tax alone, with no merit of its own for your wealth, an investment can cost more than it saves.
A scheme is read with its conditions
Each scheme rests on a legal text, clarified by the tax authorities. Conditions, caps and durations change with each Finance Act: they are checked at the date of the investment, against the official texts, not against sales promises.
A commitment that is not kept (an early sale, a letting that ends) can lead to the advantage being clawed back.
How the firm works
The starting point is your actual tax position (tax assessments, income and how it is changing, deductible charges). It separates what you choose, such as investments or retirement savings, from what the law imposes.
A scheme is proposed only if it serves the strategy, with its legal text, its conditions, its caps, its commitment period and the effects of an early exit. The tax advantage is weighed against the risk and the costs.
The rules change with every Finance Act; the annual review checks the commitments, the schemes and the effect of new rules on the choices made.
Who it is for
Taxpayers whose tax position weighs on their wealth decisions:
- those with high or irregular income;
- those who want to measure what a tax scheme asks in return;
- business owners, to coordinate salary, dividends and personal wealth;
- those preparing to pass on wealth, with the inheritance and gift tax and the allowances involved.
What the firm looks at first
- Your actual tax position, based on your tax assessments, and how it is likely to change.
- The merit of each scheme for your wealth, before its tax advantage.
- The commitments: holding period, letting or ownership conditions, early exit.
Limits and risks
A tax advantage does not make up for a poor investment.
- Risk on the asset: the investment can lose value, whatever the tax advantage.
- Commitments: leaving before the end of the term can lead to the advantage being clawed back.
- Cap: the overall cap on tax reliefs (plafonnement global des niches fiscales) can reduce the advantage.
- Changes in the law: the rules can change during the commitment period.
- Challenge: the tax authorities can challenge a scheme that has been wrongly applied.
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