MH Conseil et Patrimoine

As a conseil en gestion de patrimoine (CGP), the firm operates under a regulated advisory framework distinct from banks and insurers. CGP status requires registration with the relevant French authorities and adherence to the Code monétaire et financier. This imposes a multidisciplinary diagnostic obligation on the firm, legally requiring it to assess a client's full financial picture before making specific product recommendations. The model is centered on fee-based independence rather than commission-driven distribution.

The approach is structured around the traditional pillars of French wealth management: assurance-vie, real-estate investment vehicles, listed financial instruments, and private-equity placements eligible for tax relief. Tax optimization, particularly through the Pacte law framework and related instruments, is a recurring theme in how French CGPs structure allocations. The firm's advisory process begins with a comprehensive wealth diagnostic that informs the weighting of these asset classes.