About CGP - SettleShield

Your Financial Strategy Advisor (CGP)

My Role as a Conseiller en Gestion de Patrimoine?

CGP can be loosely translated as wealth or estate management advisor. A CGP provides personalised guidance to help you build, protect, and optimise your assets. Importantly, it is not a service reserved for the exceptionally wealthy (See sidebar: Patrimoine), nor is it a one-off service.

A CGP accompanies you through those pivotal moments in life that bring changes to your patrimoine and how you want to manage it, advising on how to adjust your strategy to your new circumstances. Advice will touch on topics such as how to:

optimise your tax situation and maximise available tax advantages,
structure your investments for growth while minimising fiscal impact,
protect your family’s financial security with comprehensive insurance strategies (prévoyance),
plan for a comfortable retirement by setting up pension schemes and complementary solutions,
align your succession wishes with French inheritance law.

For international residents in France (aka expats), there is an additional layer of complexity to managing your patrimoine. But you’re in luck — I was specially trained by Gan Patrimoine to advise the expat community in France (See sidebar: Expats in France).

The Value of an Estate Snapshot (Bilan Patrimonial)

The First Step — At No Cost

Think of a bilan patrimonial as a comprehensive estate health check. Just as you wouldn’t start a fitness programme without knowing your current condition, you shouldn’t make major financial decisions without understanding your complete wealth picture.

Your Estate Snapshot provides:

Tax Optimisation Analysis: Identification of French tax advantages you may be missing, from investment structures to deductions and credits that could reduce your fiscal burden.

Family Protection Assessment: Evaluation of your current insurance coverage and recommendations for French prévoyance solutions to safeguard your family’s lifestyle and future security.

Retirement Planning Strategy: Analysis of your pension rights, optimisation of retirement contributions, and identification of complementary savings vehicles to ensure financial independence.

Succession Planning Guidance: Clear understanding of French inheritance laws and practical strategies to protect your spouse and children through early transmission options, optimal ownership structures and life insurance arrangements.

Investment Portfolio Review: Assessment of your current investments with recommendations for improvement, diversification, and tax efficiency.

Take Control

Get In Touch for a No-Cost Estate Snapshot

Take the first step in understanding your complete current wealth picture.
Please provide at least your name and email address.
Il will be in touch very shortly to arrange a meeting.

Wealth in English tends to focus on current financial capacity - how much money you have right now, your net worth, your ability to spend or invest. It's often measured in liquid terms and carries connotations of affluence or prosperity. For example, when US and UK nationals think of 'wealth', they typically think of cash, investments, and purchasing power.

Patrimoine in French encompasses a much broader and more intergenerational concept. It includes not just your current assets, but your entire 'heritage' — both what you've inherited from previous generations and what you're building to pass on to future ones. Patrimoine includes:

financial assets (like wealth), but also ...
real estate and family property,
family businesses or professional practices,
cultural and intellectual heritage,
even intangible elements like family reputation or social capital.

The French concept inherently includes a stewardship responsibility — managing a patrimoine that connects past and future generations.

In early 2025, I joined Gan Patrimoine as a Conseiller en Gestion de Patrimoine, bringing my English/French fluency and long expat experience to their south-west France team. Based in the Hautes-Pyrénées, I serve clients throughout France.

Expats face unique financial challenges that go beyond language barriers. International life creates layers of complexity — navigating French systems while managing existing obligations, understanding new regulations, and planning across different legal frameworks. This complexity often becomes a barrier to taking action.

I've received specialised training to address these exact challenges, helping expats cut through the complexity to create clear, actionable financial strategies. My focus is transforming overwhelming situations into organised, optimised plans that work within the French system while respecting your international context.

History and Solidity — Founded in 1913, Gan Patrimoine brings over 110 years of experience to wealth management in France. As a subsidiary of Groupama, one of France's leading mutual insurance groups, Gan Patrimoine combines the stability and resources of a major financial institution with the specialised expertise of a dedicated wealth management firm. This heritage has established Gan Patrimoine as the reference within the Groupama Group for premium wealth management solutions, serving over 120,000 private clients, liberal professionals, and business owners throughout France.

What Sets Gan Patrimoine Apart — Gan Patrimoine prioritises personalised relationships, with advisors who travel to clients' homes or arrange private meetings to conduct complete wealth analyses. Proximity, availability, and long-term support form the pillars of their personal and lasting relationships. Rather than offering standardised products, their advisors craft tailored strategies based on rigorous analysis of each client's unique situation and objectives.