paro conseil operates on a fee-only basis, paid directly by its clients. We receive no commissions or third-party payments from financial institutions (insurers, banks, asset managers). In accordance with the status of Independent Investment Advisor (CIF) as defined by the MiFID II directive.
Summary table
| Service | Fee (incl. VAT) |
|---|---|
| Patrimonial review | From €120 |
| Advisory work tiered by asset bracket | 1% on the bracket €0 — €300k 0.8% on the bracket €300k — €500k 0.6% on the bracket €500k — €1M Above: on quote Minimum €900 incl. VAT |
| Specific need | On quote |
Patrimonial review
From €120 incl. VAT.
An overview of your patrimonial situation and objectives, including the detail of the assets you hold, their performance, and the fees you pay.
Deduction on the advisory work: if, following the patrimonial review, you choose to engage our advisory work, 100% of the amount (incl. VAT) paid for your review is deducted from the advisory fee (incl. VAT), provided you choose to work with us within the 12 months following the payment of the patrimonial review.
Advisory work
Optimisation of your investments and definition of your patrimonial strategy. Detailed advice, extending to the recommendation of specific institutions and investment vehicles suited to your situation.
Degressive tiered pricing — each rate applies only to the portion of assets within the corresponding bracket, not to the total amount.
| Asset bracket | Rate (incl. VAT) on the bracket | Minimum |
|---|---|---|
| From €0 to €300,000 | 1% on the bracket | €900 incl. VAT |
| From €300,000 to €500,000 | 0.8% on the bracket | — |
| From €500,000 to €1,000,000 | 0.6% on the bracket | — |
| Above €1,000,000 | On quote — degressive pricing | — |
Single payment. No recurring fees.
Example — €600,000 in assets
- 1% on the €300,000 of the first bracket = €3,000 incl. VAT
- 0.8% on the €200,000 of the second bracket = €1,600 incl. VAT
- 0.6% on the €100,000 of the third bracket = €600 incl. VAT
- Total: €5,200 incl. VAT
Specific need
On quote.
For one-off engagements or work beyond the standard scope: complex succession planning, supporting a business owner through a sale or holding restructuring, specific tax optimisation, expatriation. A tailored quote is issued once the scope is defined.
Transparency
The fee schedule is shared and agreed upon before any engagement, in accordance with CIF regulatory obligations. All fees are stated in euros, VAT included.
Frequently asked questions
Is paro conseil expensive?
No. paro conseil is paid only through fees from its clients, unlike most French wealth advisors who claim to be independent but are in fact paid through commissions from the asset managers, banks, and insurers whose products they distribute. This invisible payment is generally higher than our stated fees, and it introduces a commercial bias in the advice given.
How are French wealth advisors paid?
Two models coexist. The first, predominant in France, is the commission-based model: the advisor is paid by the asset managers, banks, and insurers whose products they distribute. This payment is invisible to the client but very real; it is deducted every year from the management fees of the products subscribed. The second model, called independent under the MiFID II directive, is the fee-only model: the advisor is paid solely by clients and receives no commission from third parties. This removes the commercial bias in the selection of investment vehicles. paro conseil applies the fee-only model exclusively.
Take control of your finances
Book your patrimonial review (from €120 incl. VAT, deductible from any future advisory work).
Book a meeting →