Version Patrimoine

Conseil en gestion de patrimoine (CGP) is a regulated wealth-advisory profession in France. CGP firms conduct holistic asset reviews and recommend strategies across tax, legal, and investment domains. Version Patrimoine operates within this framework, meaning it acts as a fee-based advisor rather than a product distributor tied to a single bank or insurer.

Yes. The firm is structured as an independent practice, not a subsidiary or tied agent of any French banking network. This independence allows it to select financial products from across the market without a proprietary product-shelf obligation, a distinction that is central to its value proposition for clients.

French independent wealth managers typically register as CIF (conseiller en investissements financiers) with the AMF or operate under the ORIAS register as intermediaries in insurance, banking, and payment services. Version Patrimoine's exact registration status is part of the public French regulatory record.

The core advisory toolkit includes assurance-vie (life insurance wrappers), compte-titres (securities accounts), SCPI and OPCI (real estate collective funds), PER (retirement savings plans), and direct real estate. Tax-efficient gifting strategies and inheritance planning are inseparable from investment advice in the French market.

Bordeaux-based practices often serve a regional clientele whose wealth originates from wine estates, aeronautics (Dassault, Thales, ArianeGroup), and technology clusters like the Cité Numérique. The advisory approach tends to be relationship-driven and multi-generational, with less exposure to the institutional and ultra-high-net-worth concentration found in Paris's 8th arrondissement, but the regulatory framework and product universe are identical nationwide.