FAQ

Wealth management involves assisting clients with significant assets in the structuring, management, and transmission of their wealth. This includes personalized investment advice, inheritance planning, tax optimization, and complementary services such as family governance and concierge support.

At Côme, wealth management is built on a comprehensive, integrated approach, combining financial expertise, exceptional real estate opportunities, and lifestyle services to meet each client’s unique ambitions and needs.

Our luxury Maison of Finance is much more than a financial service provider. At Côme, it represents a place where wealth is welcomed, structured, and developed with long-term vision, a human approach, and cross-disciplinary expertise.

Côme merges the best practices of family office services, financial management, and high-end concierge services to deliver a seamless, reassuring, and deeply personalized client experience.

We are a Maison – French word for house that’s used in the luxury sector for brands that value excellency and craft – because we place human relationships at the core of every interaction, of Finance because we excel in optimizing and sustaining every aspect of wealth.

A Family Office is an independent entity providing personalized support for managing and structuring wealth for one or multiple families. Its purpose is to preserve and grow family wealth over the long term, with a strong emphasis on intergenerational transmission and coordinated wealth strategies.

Unlike a single family office, which serves only one family, a multi-family office supports several clients by pooling their assets and needs. This allows access to more efficient and cost-effective solutions while maintaining the same level of service quality as a mono-family office.

A Family Office acts as a centralized platform, coordinating every aspect of wealth management, including:

/ Financial Asset Management: Strategic allocation, portfolio monitoring, and manager selection through tender processes.
/ Inheritance and Governance: Succession planning, creation of tailored legal entities, and family mediation.
/ Philanthropy: Establishing foundations and supporting charitable projects.
/ Alternative Investments: Private equity, real estate, and tangible assets.
/ Administrative Services: Consolidated reporting, management of legal structures, and tax compliance.

/ Independent Financial Advisor (IFA): Typically geared toward less complex clientele, IFAs offer investment and wealth structuring advice but with fewer resources and a narrower range of services compared to a Family Office.

/ Private Banker: Private banks provide financial products (either proprietary or external) and asset management services but often operate with commercial interests, whereas Family Offices offer advice centered on the needs of their clients.

Wealth structuring involves the legal and fiscal organization of a family’s or individual’s assets. This includes creating entities such as holding companies or property-owning vehicles (SCI), tax optimization, safeguarding family wealth, and preparing for inheritance—often in an international context.

Financial analysts are pivotal in identifying investment opportunities, monitoring markets, and providing recommendations based on rigorous analysis. They work closely with portfolio managers to optimize returns while adhering to the client’s goals and constraints.

Family governance ensures smooth decision-making and harmonious relationships within a family’s wealth management ecosystem. It involves the creation of family charters, defining roles and responsibilities, and resolving conflicts to safeguard the longevity of the family’s wealth and businesses.

Concierge services complement wealth management by handling the practicalities of a client’s daily or exceptional needs. This includes travel arrangements, event coordination, sourcing exclusive services, and managing luxury properties.

Club deals allow multiple investors to pool their resources to participate in ambitious projects, such as acquiring prestigious real estate or investing in private equity. This format offers:
/Better access to opportunities
/ Economies of scale
/ Diversification of risk

A Family Office assists non-resident investors seeking to invest in France by offering comprehensive expertise in wealth structuring and management, particularly in real estate. This includes simplifying legal, fiscal, and administrative procedures to ensure secure and optimized investments.

Collaboration with wealth professionals is vital to ensuring the harmonized and efficient management of complex wealth portfolios. At Côme, we act as a conductor, coordinating these experts to deliver a seamless and integrated approach for our clients.

/ Lawyers: Legal advice on ownership structures and complex contracts.
/ Notaries: Succession planning, drafting legal deeds, and ensuring transactional security.
/ Accountants: Administrative oversight and tax optimization.
/ Tax Advisors: Tailored tax strategies, international compliance, and planning for regulatory changes.

Together, under Côme’s direction, these professionals provide fluid and goal-aligned management tailored to each client’s specific objectives.

Family Offices work with luxury real estate agents to identify, negotiate, and manage exceptional properties. They add value by structuring acquisitions to meet the fiscal, inheritance, and wealth management needs of their clients.