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.

No. The firm acts as an independent intermediary, sourcing solutions from the open market. In the French CGP model, this typically includes life-insurance contracts from multiple insurers, real-estate vehicles such as SCPI and OPCI, private-equity funds under the FIP/FCPI framework, and direct securities accounts. The absence of proprietary product manufacturing is one structural element that distinguishes the practice from a private bank's in-house advisory arm.

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.

A French CGP like MH Conseil et Patrimoine serves multiple clients, typically professionals and entrepreneurs, rather than a single family's balance sheet. While the advisory scope — investment, tax, legal structuring, succession — can mirror a family office's functions, the CGP operates as an external regulated service provider. Unlike a single-family office, the firm does not consolidate client assets under a dedicated balance sheet; each client's holdings remain legally separate, with the CGP acting as a coordinating advisor.

No. The firm does not publish assets-under-advisory figures, nor does it disclose its client count or individual portfolio structures. This is consistent with the broader French CGP market, where many practices are privately held, do not break out AUM, and maintain strict client confidentiality under both professional and regulatory norms.