How we are paid, and what it costs

A wealth review is charged as a professional fee. Depending on the investments, the firm may also receive remuneration from product providers. These payments need to be considered alongside the charges made by the insurer, custodian and fund managers.

The cost of working with us includes the agreed review fee and, if you decide to invest, the costs of the investments. Some charges apply when you invest or make a transaction; others continue while you hold the investment. A comparison should show how much is charged, how often and who receives it.

The five places a cost can sit

For each one: how much is charged, how often, and who receives it. The sections below take them in turn.

This is a reading order, not a breakdown of relative size, and it adds no total. The review fee is charged to you directly, while the other four are taken from the investment and may include remuneration for the firm, so check what a proposal already includes before adding its lines together.

01 · Advice
The review fee
Charged for the work itself, in stages tied to deliverables, and set before the work starts. It does not depend on whether you go on to invest.
02 · The contract
The policy
An entry charge when you invest, then the insurer’s own charges while you hold the policy.
03 · Management
Portfolio management
The cost of custody and of managing the portfolio, for as long as the arrangement runs.
04 · The holdings
The underlying funds
Charges taken inside the funds themselves, before any of the other layers apply.
05 · Transactions
Transactions and currency exchange
Switching, dealing and currency conversion. These depend on what happens in the account, so a comparison has to state the assumptions it uses.

The fee for a full review

A full wealth review covers your family and professional situation, your assets, your income and outgoings, your tax position, your protection and retirement, and the passing on of your estate. The fee is in the order of €1,500 to €3,000, billed in stages tied to deliverables (a deposit, then on delivery of the document, then on its presentation). You therefore know the price before the work starts, and it does not depend on whether you go on to invest anything. The wealth review is charged separately from any investment or product costs.

The layers of cost inside an investment

A Luxembourg contract may carry an entry charge and additional charges for switching investments, transactions or currency conversion. For arrangements made through the firm, entry charges are generally under 1%. This describes our practice, not a general contractual cap. Recurring costs include the insurer’s charges, custody, portfolio management and charges within the underlying funds. Our target for these combined costs is under 2% a year, all fees included. Check what each proposal includes before comparing its total with another.

Our French guide to investment costs explains what each charge is based on and how often it applies.

When our service fits your circumstances

We generally work with clients who have at least €200,000 in assets to review and organise. From €100,000, we can also consider circumstances where those needs are expected to grow, such as a move abroad or a forthcoming business sale. The first conversation helps establish whether our service is suitable.

From €1,000,000, the relationship changes: we move to family-office work, meaning continuous oversight of the whole estate rather than advice on the decision in front of you, and coordination of your other advisers.

What to ask any adviser

Ask how they are paid, and ask for it in writing. Ask what the entry charge is, what the annual charges are, who receives each one, and whether they receive anything from the products they recommend. Ask for a written breakdown of the charges, the services they cover and who receives them.

The figures on this page are the firm’s own fees and its working targets, dated and sourced. They are not a quotation: the cost of a given contract depends on the insurer, the amount invested and the funds held, and it is set out in writing before anything is signed. Investment advice is a regulated activity in France; all investment carries a risk of capital loss.

Frequently asked questions

Is your investment advice independent?

Our investment advice is provided on a non-independent basis, as described in our French regulatory disclosures. The firm may retain commissions. Our remuneration can therefore include fees paid by clients and commissions paid by product providers.

Do you receive commission on the products you recommend?

Yes, for some products. The wealth review has its own fee. Luxembourg policies can involve entry charges, a possible share of switching charges and remuneration based on the assets held. We negotiate switching charges down as far as the insurer allows and provide a monthly statement of the fees paid and their recipients. Property funds can also pay a subscription commission. Any referral arrangement must be explained for the proposed service. Ask for a written breakdown that also includes the insurer’s, custodian’s and fund managers’ charges.

What does a full review cost?

A full review costs in the order of €1,500 to €3,000, billed in stages tied to deliverables (a deposit, then on delivery of the document, then on its presentation). We send you a quote once we have studied your situation, with no commitment at that stage. The review covers your legal and family circumstances, assets, income and expenditure, tax, retirement and succession.

Is there a minimum?

We generally work with clients who have at least €200,000 in assets to review and organise. From €100,000, we can consider circumstances that are expected to change, for example after a business sale or during an international move. Please describe the project when you contact us.

A thirty-minute first call, before any quote

Book a call