Morel & Associés supports its clients' plans over the long term, with respect for their goals and their values.
A wealth planning and strategy firm, Morel & Associés supports families, business owners, senior executives and professionals in structuring and managing their wealth, in France and abroad.
Employee, business owner, self-employed professional, public sector employee or retiree: we provide personalised advice on all your financial, tax and legal questions.
Our advisers train throughout the year. Their role: to align your wealth with your life choices, without passing judgement.
“We see wealth management as an entirely human profession.”
To give you tailored advice, we always start with an in-depth wealth audit: your motivations, your way of life, your aspirations. Understanding the present to build a strategy for the future.
A first meeting, at our offices or by video call, to understand your situation, your priorities and your attitude to risk. On this occasion we give you our client information document.
A full wealth review: income, tax, assets, liabilities, protection, retirement and estate planning. Your investor profile is established using a dedicated questionnaire.
An engagement letter sets out the scope of our work. Our recommendations are given to you in writing, reasoned and suited to your goals and your profile.
Implementation with our partners, then regular reviews: your situation changes, and so do the rules.
Keeping our commitments, quality of service and expertise.
Understanding your priorities before proposing anything.
Three offices, meetings throughout France and by video call.
Personalised solutions, adapted to each project.
Premium service and full command of our areas of expertise.
Carefully selected professionals who know their region and their field inside out. You keep a single point of contact: we coordinate their work.
Gifts, estates, marriage contracts: secure deeds, at the right time.
Whenever a notarised deed is required (gift, marriage contract, estate settlement, property purchase), we prepare the wealth analysis and simulations beforehand, then work with your notary, or one of our partner notaries, so that the deed faithfully reflects the chosen strategy. You remain free to choose your notary.
Company structuring, owner remuneration, business taxation.
Your accountant knows your figures; we bring the wealth perspective. Together we look at the choice of structure, the balance between salary and dividends, employee savings or preparing a sale, so that your company's decisions also serve your personal goals.
Searching for, buying and managing property, both new-build and older homes.
Estate agents, developers, property managers: we choose them for the quality of their properties and their reliability. Before any decision, we review the location, price, tax treatment and financing of the project with you, then stay by your side until signing and in managing the property.
Funds, SCPI, private equity: managers selected with rigour.
We select asset management companies and their funds against precise criteria: financial strength, transparency, track record, level of fees. We monitor their results over time, regularly review our selection and suggest adjustments when your situation or the markets call for it.
Life insurance, personal protection, loan insurance: cover suited to your situation.
As an insurance broker, we work with several companies and compare their contracts: cover, fees, options. We help you draft your beneficiary clauses, review your cover over the years and support you in your dealings with the insurer.
Financing your projects, lending and managing your accounts.
Financing or managing your cash should fit with your overall wealth strategy. We liaise with your bank or a partner private bank so that the solutions chosen (term, guarantees, type of loan) remain consistent with your wealth as a whole. Loans are granted directly by the lending institution.
Our tools are shared within the firm to ensure consistent follow-up of your file, in compliance with professional secrecy. They also allow us to support you wherever you are.
Wealth management advice requires rigour, and it is regulated. Morel & Associés is registered with ORIAS under no. 23002695 for the following activities:
The firm complies with the CNCGP code of conduct and holds professional liability insurance and a financial guarantee covering its activities.
At our offices, at your home or by video call.