Frequently Asked Questions

An independent wealth management adviser is a professional who is not tied to any banking group or insurer. This independence guarantees advice aligned solely with your interests, free from the commercial pressure of any financial group. At Riviera Wealth Management, we are registered as Financial Investment Advisers (CIF) and Insurance Brokers (ORIAS). Our firm is a member of the CNCGP (National Chamber of Wealth Management Advisers), the leading professional body in France.

Riviera Wealth Management was established in 2010 and has built solid expertise in managing wealth of all sizes. Our team combines diverse skills in taxation, wealth engineering, fund selection, real estate and succession planning. We serve over 300 clients and manage several hundred million euros in assets. Our reputation rests on a rigorous approach, genuine listening and tangible results for our clients.

Our firm is located in Mougins, in the heart of the Côte d’Azur. We welcome clients at our offices at 840 Avenue des Parcs, 06250 Mougins. A first meeting lasts approximately 30 minutes and is entirely free of charge with no commitment. We conduct an in-depth review of your situation, your objectives and your concerns. For those based outside the region or frequently travelling, we also offer video conference meetings.

We offer comprehensive support covering four pillars:

• Investment advice: asset allocation, fund selection, discretionary management
• Wealth engineering: tax and legal structuring, succession planning
• Life insurance and protection: optimised contracts, wealth safeguarding
• Real estate and tax efficiency: SCPI, LMNP, specific tax schemes

These services combine to form a comprehensive and coherent strategy for your wealth.

There is no fixed minimum. However, given the personalised nature of our advice and the time dedicated to each client, we recommend a wealth base of approximately €500,000 for the relationship to be viable. We examine each situation individually and discuss the terms directly with you.

We operate according to two remuneration models, at the client’s choice:

• Fees: direct billing for our advice and services, with full transparency
• Commissions: commission on products placed (insurance, funds, etc.)

In all cases, our models are structured to minimise conflicts of interest and maximise your satisfaction. We never accept undisclosed retrocessions.

As a Financial Investment Adviser and Insurance Broker, RWM is subject to strict regulation in France. We are registered with ORIAS and are members of the CNCGP. Each adviser undergoes mandatory continuing education. Furthermore, we carry professional liability insurance covering all risks. Finally, our clients benefit from guarantee fund protections in the event of issues with financial products.

The confidentiality and security of your personal data is our absolute priority. We comply with GDPR regulations and use a secure infrastructure with data encryption. Access to sensitive information is strictly controlled and limited to the advisers assigned to your file. We never share your data with third parties without your explicit consent. A detailed document on our privacy policy is available upon request.

We have implemented a formal conflict of interest management policy in accordance with current regulations. All our advisers are required to declare any situation that may create a conflict. Our transparent remuneration model (clearly disclosed fees or commissions) naturally limits conflicts. We also ensure that our recommendations are exclusively in your interest, without internal commercial pressure.

Our process is divided into four clear stages:

• Discovery Meeting: understanding your situation, objectives and concerns (30 min, free)
• Wealth Audit: comprehensive analysis of your assets, tax position and risk profile
• Bespoke Strategy: personalised recommendations with concrete projections
• Ongoing Monitoring: implementation, regular reporting and adjustments as needed

Each stage is governed by a clear agreement and is validated with you before progressing.