paro conseil is an independent, fee-only wealth advisor based in central Paris. We work with English-speaking long-term residents of France — professionals, retirees, expats — who would simply prefer to discuss their assurance-vie, PEA, French tax and succession in English.
The two cornerstones of French personal finance. We help you choose the right contract (low fees matter enormously), the right asset allocation, and avoid the bank products that most expats end up with by default.
Income tax, IFI (wealth tax on real estate), capital gains, dividend strategy: we explain how your French tax situation actually works and what levers you have to reduce it.
Building retirement income through the PER (Plan Épargne Retraite), assurance-vie and other French vehicles. We assess what your French pension entitlement will actually be and how to top it up efficiently.
French inheritance rules are not intuitive for anglo-saxons (forced heirship, abattements, beneficiary clauses). We help you organise your estate properly so your family understands what happens — and pays the minimum tax.
Independent and fee-only. We are a French CIF (Conseiller en Investissements Financiers, MIF II) registered with Orias — we are paid by you, not by the products we recommend. No retrocessions, no hidden incentives.
Transparent pricing. A fixed-fee patrimonial review from €120. Advisory engagements priced on a degressive scale (1% to 0.6% depending on portfolio size), with a clear written engagement before any work.
Everything in plain English. French personal finance is written for the French. We translate it — patiently, without jargon, taking the time to make sure you actually understand what you own and why.
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