FINANCIAL
FUTURE

WHY CHOOSE A CERTIFIED FINANCIAL INVESTMENT ADVISOR (CIF) LIKE Y PATRIMOINE CONSEIL?

Using a Certified Financial Investment Advisor (CIF) like Y Patrimoine Conseil can have many advantages:

Expertise and personalized advice,
Analysis of your needs,
Selection and diversification of investments,
Access to specialized financial products,
Ongoing monitoring and management,
Knowledge of regulations and standards,

Management of financial complexity.

THE FIRM

Y PATRIMOINE CONSEIL is a wealth management-consulting firm based in La Roche-sur-Yon, led by Mr. Yann PENAUD, with over 20 years of experience in finance. As a Certified Financial Investment Advisor (CIF) and insurance broker (COA), I offer my expertise to help my clients make informed decisions regarding investments and financial placements.

With dual training in "Expertise in Heritage Engineering" and "Diploma in Financial and Accounting Studies," my expertise has developed over decades in France, Ireland, and Switzerland. My goal is to provide personalized support, addressing your questions and concerns regarding investments, life insurance, real estate, taxation, retirement, transmission, and the protection of your loved ones.

My mission is to provide independent, transparent, and rigorous advice by offering tailor-made solutions that maximize the return on investments while respecting my clients' risk tolerance. I prioritize diversification and offer green finance solutions in support of the environment and sustainable development.

I believe in establishing trusted relationships with my clients, based on listening and proximity. I am committed to continuous education to provide the best recommendations regarding investment products.

By choosing Y PATRIMOINE CONSEIL, you benefit from high-quality personalized service, a rigorous professional approach, and the trust that your wealth deserves. Feel free to contact my firm to schedule an initial meeting, where we can discuss your situation and investment objectives in depth.

Mr Yann PENAUD

OUR ADDED VALUE

I am not tied to specific products or financial institutions. Therefore, I can offer you objective and impartial advice, prioritizing the interests of my clients above all else. This ensures that recommendations are based on the specific needs and objectives of the client, rather than financial incentives.

I have access to an extensive range of financial products from different insurance companies, banks, and asset management firms. This allows me to select the products that best suit my clients' needs, seeking the best conditions and guarantees.

My approach enables me to offer personalized solutions. I take the time to understand your specific needs, financial goals, risk profile, and family situation. Based on this foundation, I can design customized strategies to meet the unique needs of each client.

I am committed to providing regular follow-up to my clients. I periodically reassess implemented strategies, recommended products, and performance...

I adopt a transparent policy regarding my fees and commissions. I clearly explain their structure and the costs associated with my services.

I focus on establishing long-term trusted relationships with my clients. I aim to be one of your lasting partners in managing your wealth, remaining available to answer questions, providing timely advice, and adapting strategies based on the evolving needs of my clients.

OUR GUARANTEES

Securing your assets

All contracts are open directly with reputable depository institutions, insurers, developers, and intermediaries that offer solid guarantees of reputation and solvency.

Professional liability insurance

Our activities in financial solicitation, Certified Financial Investment Advisor (CIF) services, insurance brokerage, and real estate transactions are cover by professional liability insurance.

Financial independence

The financial independence of the firm ensures that you receive objective choices tailored to your needs. We are free to select the most competitive solutions based on their intrinsic qualities.

MY SERVICES TO HELP YOU IMPROVE YOUR FINANCIAL INTELLIGENCE

Starting from €100 including tax

01

ONLINE COURSES

To help you better understand the basics of financial education. These courses cover topics such as budgeting, investment, debt management, taxes, etc.

02

INDIVIDUAL CONSULTATIONS

To help you develop a personalized financial plan based on your goals and financial situation. These personal coaching sessions assist you in developing specific action plans to improve your financial intelligence. Coaching sessions can be arranged in person or online.

03

WEBINARS

To present specific topics related to financial education, such as retirement planning, real estate investment, debt management, etc.

04

EDUCATIONAL PUBLICATIONS

Articles to help you better understand financial education.

OUR EXPERTISE

Savings

In an evolving economic landscape, preserving purchasing power remains a major concern for households. Whether you want to plan your projects, build a secure future, or face unexpected situations...

Savings, when well rewarded, should play a central role in your wealth management strategy.

We are here to offer our expertise to help you identify your specific needs and build a financial and real estate heritage tailored to your profession.

For example:

Life insurance, as a savings product, has many advantages:
- Tax-advantaged investment,
- Risk level adapted to your investor profile,
- Flexible and regular premium payments,
- Exemption from fees and inheritance taxes.
Investing in Private Equity through FCPI or FIP funds offers numerous benefits,
The Equity Savings Plan (PEA) is a particularly advantageous product,
The securities account offers great freedom in the choice of investment vehicles.

Real estate

For those who see real estate as a long-term wealth solution, Y PATRIMOINE CONSEIL is here to guide you towards the best choices based on your objectives.

As a recognized safe haven, investment real estate is an essential diversification tool for establishing a balanced heritage.

Such as:

The Organism de Placement Collective Immobilizer (OPCI) allows investors to diversify their investments by opting for secure "real estate securities" while benefiting from favorable tax treatment.
Societies Civils de Placement Immobilizer (SCPI), the most popular investment vehicles, offer individuals the opportunity to invest in real estate through the ownership of securities, unlike the acquisition of a single property that represents a higher financial commitment.
The real estate club deal

Feel free to contact us for a personalized study!

Tax optimization

Reducing property taxes, income taxes, corporate taxes, industrial and commercial profits, non-commercial profits... How can you achieve this while respecting the limits set by the tax authorities?

Contrary to what one might think, tax optimization is not only for high-income individuals, but it concerns every individual.

For many taxpayers, the challenge often revolves around real estate schemes, but there are other solutions.

There are several ways to reduce one's taxable income, in particular:

Investing in Innovation Mutual Funds (FCPI) or Proximity Investment Funds (FIP).
“Sofica” funds are investment vehicles designed for taxpayers seeking income tax reduction solutions.
Fiscal SCPI allow investors to diversify their assets while optimizing their tax situation. There are various types of fiscal SCPI, such as “Pinel”, “Malraux”, and “deficit foncier”, each with its own specificities but sharing a common feature: they provide a tax reduction scheme.
We recommend anticipating and preparing for retirement as early as possible to maintain your standard of living.
The “Girardin” Industriel scheme was established to support the development and modernization of businesses located in overseas departments.

Let's discuss them together!

Health / provisions

Provisions, often neglected or forgotten, are essential to be properly protect against life's unexpected events, for yourself and your family.

Its objective is to cover essential needs in all circumstances, guaranteeing a supplement that will compensate for the loss of income in the event of exceptional events.

Discover below our solutions for provisions tailored to your needs!

My service offering includes the following elements:

In-depth analysis of your personal situation, needs, and goals regarding protection and foresight.
Personalized recommendations based on our analysis.
As a CIF and COA, I have access to a wide range of quality insurance products from reputable companies.
I will ensure to optimize your insurance coverage according to your specific needs.
Foresight is an ever-evolving field, just like your personal situation. I am committed to providing regular follow-up on your insurance policy, periodically reassessing your needs, and offering adjustments if necessary.
If necessary, I will work closely with other professionals such as lawyers, accountants, or healthcare specialists to ensure a comprehensive and coherent approach to your financial protection.
I stay constantly updated on regulatory developments and best practices in foresight.

I am committed to providing you with a quality service based on trust, transparency, and confidentiality.

My goal is to help preserve your wealth and ensure peace of mind when it comes to foresight.

Asset valuation

Safety, liquidity, and diversification are key criteria when it comes to placing a company's treasury. At Y PATRIMOINE CONSEIL, we adopt a structured approach to select the most suitable treasury investments to achieve these objectives.