Overview

Online wealth management advisory firm historically positioned as the first French internet portal dedicated to expatriates and non-residents, now part of the Meilleurtaux group, which manages 5 billion euros in assets for 65,000 clients. The flagship Patrimea Premium contract, underwritten by Oradea Vie (a subsidiary of Societe Generale), is closed to new subscriptions but remains active for existing holders, who continue to benefit from a high-performing euro fund that posted a 3.50% return in 2024, above the market average. The firm holds a triple regulatory authorization as a Financial Investment Advisor (CIF), Insurance Brokerage Intermediary (COA) and Banking and Payment Services Intermediary (MOBSP), registered with the French Financial Markets Authority (AMF). Patrimea stands out for the unique ability to allocate the entire capital to SCPI real estate investment trusts within the life insurance contract, without the 50% cap usually imposed by most competitors on the market. The offering also covers retirement savings plans, securities accounts, equity savings plans (PEA), tax-efficient investments via FIP and FCPI funds, as well as land investment groups. The patrimea.com site now redirects to the placement.meilleurtaux.com platform, reflecting full integration into the group.

Pioneering positioning in digital wealth advisory for French expatriates, the first dedicated internet portal

Key features

Ability to allocate the entire capital to SCPI real estate investment trusts within life insurance, without the 50% cap

Zero entry fees on SCPI unit subscriptions within the contract

Fully online management from a secure client area with a wealth dashboard

High-performing euro fund with a 3.50% return in 2024, above the French market average

Triple regulatory authorization CIF, COA and MOBSP with the French Financial Markets Authority (AMF)

Backing from the Meilleurtaux group, providing financial strength and an expanded distribution network

Dedicated support for expatriates, accounting for international tax constraints

Who is it for?

French expatriates and non-residents seeking to manage and optimize their wealth remotelyFrench residents looking for digital wealth advisory with full online accessReal estate fund (SCPI) investors seeking uncapped allocation within life insuranceIndividual savers aiming to diversify their investments across real estate, equities and euro fundsTaxpayers seeking tax-reduction solutions via FIP, FCPI or land investment groups

Patrimoine Succession

Testamento

Online estate-planning service helping individuals protect their loved ones and manage their ...

Online estate-planning service helping individuals protect their loved ones and manage their assets. Founded in 2013 by Virgile Delporte (CEO), Frederic Clec'H and Max Brun, including a modernist notary and an engineer specialized in cybersecurity, Testamento is the only French site offering online drafting of a holographic will with genuine legal validity. Its tools cover will drafting, advance healthcare directives, asset inventory and a digital vault, all overseen by partner notaries and lawyers. The company has raised more than 3.68 million euros from strategic investors in the insurance sector: La France Mutualiste, Allianz through its InnovAllianz fund, and Malakoff Mederic Humanis through MM Innov'. Its team of around twenty employees is based in Paris, at 91 rue du Faubourg Saint-Honore. Testamento has built around ten partnerships with major players in banking, insurance and mutual-insurance, including Generali, AXA and MACIF, in a B2B2C model through its Testamento for Business offering. Founded in 2013, 3.68M EUR raised, team of 23 employees, 10+ banking and insurance partnerships

2013

Paris, France

Legal framework developed in collaboration with notaries and lawyers

Fully digital, streamlined process accessible in just a few minutes

Secure document storage in a digital vault

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Patrimea

Overview

Key features

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Who is it for?

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Testamento