paro conseil is an independent, fee-only English-speaking financial advisor in central Paris. We work with long-term residents of France — professionals, retirees, expats — who would rather discuss their assurance-vie, PEA, French tax and succession in English, as well as English-speaking non-residents who wish to invest in France.
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.
The compte-titres ordinaire gives you unrestricted access to global markets — stocks, ETFs and bonds beyond what the PEA allows. We help you use it as a complement to your other wrappers, with an allocation suited to your goals and your situation.
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.
Answer 5 simple questions about your situation and your goals. You'll see a personalised summary of which French wrappers fit your case — assurance-vie, PEA, PER — with target allocation. No email required to view.
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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.
Book a meetingIn France, the word « independent » is one of the most overused — and most misleading — labels in personal finance. A two-step test reveals who actually works for you, and who is still being paid by the products they sell.
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