One of the most common questions from the expat community is about English-speaking financial advisors and tax consultants in France. So, I have started putting together a list of these professionals for easy access by the community.
I will be updating this article regularly with more of these professionals, whenever possible.
This idea was an inspiration from Fee-Only India, an association of financial planners in India, who do not sell any products or earn commissions but charge a Flat Fee. You can find them here List of Fee-Only Financial Planners in India.
If you would like to receive regular updates about personal finance topics, participate in discussions, share your experiences, and learn from other expats, we have a dedicated group India – France: Savings, Investments & Taxes – Discussions
Note: If possible, kindly mention this blog when you are contacting these professionals. So, they will know the source of their information.
Table of Contents
- Independent Professionals
- Morgane ERNOULT: Financial Advisor (all portfolio sizes)
- Prosper Conseil: Group of Financial Advisors (all portfolio sizes)
- Camil MIKOLAJCZACK: Family Office (from 100k euros portfolio)
- Non-Independent Professionals
- Katriona MURRAY-PLATON: International Financial Adviser (from 100k euros portfolio)
- References
- General Disclaimers
Independent Professionals
They are financial advisors who charge hourly fees or renumerated based on certain percentage of their client’s portfolio value. They are independant because they do not earn any commissions from the investment products suggested to their clients.
1a. Morgane Ernoult – Independent CGP
Conseiller en gestion de patrimoine (CGP & CIF) – Registered Financial Advisor in France
- LinkedIn Profile: Morgane-cgp She regularly publishes many personal finance-related posts in French. I find them very interesting and informative.
- Services offered: Financial advice, French Personal Tax Planning, Entrepreneurs, Real Estate, Training, and financial consulting.
- Educational Qualifications: Bachelors in Economics + Masters in Marketing, Strategy & Consulting.
- Registrations: ORIAS– CIF: 23006266
- Languages spoken: French & English (almost fluent). I had a very comfortable conversation with her in English, including a review of my portfolio.
- Location: Paris and provides online consultation.
- E-mail: morgane.envol@gmail.com
- Availability: Monday to Friday, except Wednesday afternoons. Also on Saturday (mornings only). She is active on WhatsApp and her mobile number will be shared during the consultation.
- Appointments: You can schedule a 30mins appointment on Calendly
- Fees: There are 2 options – 120€ per hour of consultation and/or commissions based on the products sold. Number of hours required per client are based on a case-by-case basis. She can offer some reductions in fees when the hours required are more. For example, 5% reduction for a consultation of 4-5 hours.
- Method of Working: Starts with a 30-minute discussion to understand the client’s requirements, income, objectives, current savings, funds available to invest, etc. During further consultations, She provides all the practical information related to investments, taxes, etc including product recommendations but she cannot execute them on behalf of the client. The client has to do it via their own investment & tax accounts.
- Investment Products Sold (optional): Assurance Vie, SCPI, PEA, Real Estate (in France), PER, Girardin, etc
1b. Prosper Conseil: Group of Financial Advisors (all portfolio sizes)
Conseiller en gestion de patrimoine (CGP & CIF) – Registered Financial Advisors in France lead by Nicolas Decaudain (founder) and Ludovic Chaput (co-founder). They are a team of 13-14 people serving all kinds of clients.
- LinkedIn Profile: Nicolas DECAUDAIN (Prosper Conseil et ADI) He regularly publishes personal finance-related posts in French. I find them very interesting and informative. He recently published a book “INVESTISSEZ VOTRE ÉPARGNE“, a practical guide about savings and investments in France. It is available on Amazon.
- Websites: Prosper Conseil for professional financial advice and Avenue des investisseurs for educating the public about personal finance.
- Services offered: Financial advice, French Personal Tax Planning, Entrepreneurs, Real Estate, Inheritance planning, etc. More details can be found on their website
- Educational Qualifications: Details about the team can be found here
- Registrations: ORIAS– CIF: 22004238 & ANACOFI-CIF: E010135
- Languages spoken: French & English (almost fluent). I had a very interesting conversation with their co-founder Ludovic Chaput, about their services and a wide range of topics.
- Location: Paris and provides online consultations.
- E-mail: contact@prosper-conseil.fr and via their contact form
- Availability: Monday to Friday.
- Appointments: Contact via the contact form shared above
- Fees: First appoitnment of 2 hours charged at 150 euros. Then, fixed charges per hour and/or a percentage of the client’s portfolio value. However, it can be personalised based on the complexity of the portfolio.
- Method of Working: They do it in 3 steps. First, a 2-hour video consultation to take stock of your wealth situation and your life projects. An advisor collects the essential information to set up a personalized wealth strategy, and outlines the first avenues for optimization. Secondly, the services required are defined with an official quote, including whether it is a one-time consultation or regular portfolio monotoring over time. Finally, your advisor will explains his detailed recommendations under 3 parts : financial, tax and inheritance. The advisor will accompany you in monitoring investments, assistance with tax returns, ongoing advice according to your family and professional evolution.
1c. Camil MIKOLAJCZACK: Family Office (from 100k euros portfolio)
Conseiller en gestion de patrimoine (CGP & CIF) – Registered Financial Advisors in France catering to HNI clients (High Net Worth Individuals) via a family office The Wealth Office . Their support starts from 100,000 € of capital to invest.
- LinkedIn Profile: Camil MIKOLAJCZACK CEO of The Wealth Office. He regularly publishes personal finance-related posts on Linkedin and is in the Top 3 Linkedin finance content creators of France.
- Website: The Wealth Office for professional financial advice.
- Services offered: Financial advice, French Personal Tax Planning, Entrepreneurs, Real Estate, Inheritance planning, Private Equity, Alternative Investments, etc.
- Educational Qualifications: Details available on his Linkedin profile.
- Registrations: ORIAS– CIF- and AMF
- Languages spoken: French & English (almost fluent). I had a very interesting conversation with him about their services and a wide range of topics.
- Location: Paris and provides online consultations.
- Availability: Monday to Friday.
- Appointments: Contact via the contact form RDV d’audit patrimonial
- Fees: 1.5% of the portfolio. More details can be found here.
Non-Independent Professionals
They are known as non-independant advisors because they are renumerated based on the commissions received from the investment products suggested to their clients.
2a. Katriona Murray-Platon
International Financial Adviser and Partner, TSG Insurance Services SARL “The Spectrum IFA Group”. She and her team usually advise clients with portfolios sizes starting from 100k euros.
- About her: spectrum-ifa.com/katriona-murray-platon/
- Linkedin Profile: Katriona Murray
- Services offered: Financial advice, Insurance broker, General tax advice, Financial planning, inheritance/estate planning, investment advice.
- Educational Qualifications: LLB (Hons) Law, Europe and French, Maîtrise en Droit International, DESS Droit des Affaires et Fiscalité des Entreprises, CII Award in Financial Planning, CII Award in Investment Planning.
- Registrations: ORIAS and ANACOFI
- Languages spoken: English, French (Some Spanish and German). I had a very comfortable conversation with her in English, including a review of my portfolio.
- Location: Bordeaux and provides online consultation too.
- E-mail: katey.murray@spectrum-ifa.com
- Mobile No: +33 0681617844
- Availability: Weekdays
- Payment Method: Commission
- Investment Products Sold (optional): Assurance vies, Pensions (SIPP & QROPS).
General Disclaimers
- The article is about establishing contact between these professionals and my blog readers, who ask me for these recommendations. So, I won’t be involved in any monetary transactions, commissions, etc with these professionals or the readers.
- I cannot be held responsible for any disputes during the above process.
- Any finance-related information shared on this website is not professional legal, tax, or investment advice.
- The information provided is of an educational and general nature and is not investment advice within the meaning of Articles L. 321-1 and D. 321-1 of the French Monetary and Financial Code.
- Investment carries risks of loss and past performance does not guarantee future performance.
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