Independent Financial Advice in France
Pelican Consulting sarl is a consulting firm in Patrimonial Engineering and International Taxation, based and regulated in France. Our expertise is to advise our clients on their investments, on the management of their wealth, their savings, and their retirement with the overall perspective of insuring tax mitigation with the most benign legal structure. We have foreign professional qualifications that allow us, among other things, to advise on international taxation and we have 1st, 2nd and 3rd level university degrees law, tax and financial management.
Since tax advice in France is regulated, this authorises us to guide our clients most appropriately and therefore we are in the best position to ensure that you and your heirs are protected from the effects of taxation and legal constraints.
This is our main activity, and is confined to those appropriately qualified and permanently resident in France, and is actually defined as: persons who are qualified and who exercise an advisory activity in the domains defined by article L.541-1 of the Code Monétaire et Financier (banking operations, operations concerning financial instruments), and the provision of investment advice or ancillary services.
There is generally an investment for everyone, but not all investments are suitable to everyone!
It is true that there are many types of investment mediums, and within these again there can be many different investments available, but how to chose the medium of investment, the investment, the provider, the tax regime, the most benign charging structure?
Ask us, we’ll help.
This is one of our regulated activities, which covers the areas of life assurance (investments).
As brokers, we are bound to consider a sufficient number of contracts to be able to make a recommendation but are not bound to consider every contract from every provider available, but then neither do we work with only a few set assurance companies.
Property Related Investments
There are a myriad of different property-related investments available, and within different wrappers, allowing for income or gains.
Some of these wrappers even allow for income to be capitalised and taxed as capital and not income, and then tax only part of the gain,… and at low rates.
One of the possible advantages with some of these contracts is that may be possible to borrow to invest. And lest not forget that property is more stable than the financial markets!
Legal and Fiscal
It is not possible to give financial advice without also dealing with legal and fiscal matters, and to do so in a manner more appropriate than that of simply providing information.
In France, these legal and fiscal advisory activities are regulated by law n° 70-1130 of the 31st December 1971.
In addition to the services mentioned in the rubrics on the Professional Services page, and in addition to completing audits and reviews of any part, or the whole, of both net assets and net income, we also offer additional insurance services.
International tax laws are contained in the Double Tax Treaties.
Whilst these strive to avoid double taxation, their main aim is in fact to determine firstly the country having first rights to apply their laws to the taxpayer, and then to whom exactly these rules apply.
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Financial engineering is a science which, more than wealth management, allows the structuring of each client’s wealth in a manner that ensures security and growth, all whilst being able to adapt to the constant changes in taxation and law.