# Aginor — Conseil en Gestion de Patrimoine > Cabinet indépendant spécialisé en gestion de patrimoine, > optimisation fiscale et ingénierie patrimoniale à Paris. ## Services - [Nos Services](https://www.aginor.fr/nos-services) - [Simulateurs](https://www.aginor.fr/simulateurs) ## Guide Financier - [Articles](https://www.aginor.fr/guide-financier) ## Hub Transmission d'entreprise familiale - [Hub Transmission entreprise familiale](https://www.aginor.fr/transmission-entreprise-familiale) - [Pacte Dutreil : guide complet 2026](https://www.aginor.fr/articles/pacte-dutreil-guide-complet) - [Holding animatrice et Pacte Dutreil](https://www.aginor.fr/articles/holding-animatrice-transmission) - [Donation avant cession de titres](https://www.aginor.fr/articles/donation-avant-cession-titres) - [Pacte Dutreil : conditions 2026 (check-list complète)](https://www.aginor.fr/articles/pacte-dutreil-conditions) - [Pacte Dutreil : 3 exemples chiffrés (2 M€, 5 M€, 20 M€)](https://www.aginor.fr/articles/pacte-dutreil-exemple-chiffre) - [Pacte Dutreil : schéma visuel expliqué](https://www.aginor.fr/articles/pacte-dutreil-schema) - [Article 787 B du CGI : texte commenté](https://www.aginor.fr/articles/article-787-b-cgi) - [Loi Dutreil 2026 : nouveautés et jurisprudence](https://www.aginor.fr/articles/loi-dutreil-2026) - [Pacte Dutreil pour les nuls : explication simple](https://www.aginor.fr/articles/pacte-dutreil-pour-les-nuls) - [BOFiP Dutreil : lecture commentée de la doctrine 2026](https://www.aginor.fr/articles/bofip-dutreil-lecture-commentee) ## Articles 2026 - Assurance & Prévoyance - [Assurance-vie 2026 : guide complet](https://www.aginor.fr/articles/assurance-vie-2026-guide-complet) - [Clause bénéficiaire : erreurs fatales](https://www.aginor.fr/articles/clause-beneficiaire-assurance-vie-erreurs) - [Assurance-vie ou PEA selon l'âge](https://www.aginor.fr/articles/assurance-vie-ou-pea-selon-age) - [Prévoyance TNS dirigeant](https://www.aginor.fr/articles/prevoyance-tns-dirigeant) - [Assurance homme-clé](https://www.aginor.fr/articles/assurance-homme-cle-entreprise) - [Arrêt maladie du dirigeant](https://www.aginor.fr/articles/arret-maladie-dirigeant-protection) ## Articles 2026 - Retraite - [À quel âge ouvrir un PER](https://www.aginor.fr/articles/quel-age-ouvrir-per) - [PER vs assurance-vie retraite](https://www.aginor.fr/articles/per-vs-assurance-vie-retraite) - [Retraite dirigeant : 4 leviers](https://www.aginor.fr/articles/retraite-dirigeant-societe-leviers) ## Articles 2026 - Investissement - [Private equity particuliers 2026](https://www.aginor.fr/articles/private-equity-particulier-2026) - [FCPR et FPCI : défiscalisation](https://www.aginor.fr/articles/fcpr-fpci-defiscalisation) - [ETF vs fonds actifs 2026](https://www.aginor.fr/articles/etf-vs-fonds-actifs-2026) - [CTO : fiscalité et stratégies](https://www.aginor.fr/articles/compte-titres-ordinaire-fiscalite) - [Investir en Bourse débutant](https://www.aginor.fr/articles/investir-bourse-debutant-guide) - [Gestion pilotée vs gestion libre](https://www.aginor.fr/articles/gestion-pilotee-vs-gestion-libre) ## Articles 2026 - Immobilier - [Immobilier parisien 2026](https://www.aginor.fr/articles/investir-immobilier-paris-2026) - [Monuments Historiques Paris](https://www.aginor.fr/articles/monuments-historiques-paris-defiscalisation) ## Articles 2026 - Par profession - [Patrimoine consultants/freelances](https://www.aginor.fr/articles/gestion-patrimoine-consultants-freelances) - [Patrimoine architectes (BNC)](https://www.aginor.fr/articles/gestion-patrimoine-architectes) - [Patrimoine sportifs professionnels](https://www.aginor.fr/articles/gestion-patrimoine-sportifs-professionnels) - [Patrimoine chirurgiens (PH/libéral)](https://www.aginor.fr/articles/gestion-patrimoine-chirurgiens) ## Articles 2026 - Conseil & Banque - [CGP vs banque privée](https://www.aginor.fr/articles/cgp-vs-banque-privee-differences) - [Robo-advisors vs CGP humain](https://www.aginor.fr/articles/robo-advisors-vs-cgp-humain) ## Conseil Financier - [Choisir un conseiller financier en ligne](https://www.aginor.fr/articles/choisir-conseiller-financier-en-ligne) - [Choisir un CGP indépendant](https://www.aginor.fr/articles/choisir-cgp-independant) - [Services de conseil financier pour particuliers](https://www.aginor.fr/articles/services-conseil-financier-particuliers) - [Tarifs d'un cabinet de conseil financier](https://www.aginor.fr/articles/tarifs-cabinet-conseil-financier) - [Rendez-vous avec un conseiller financier](https://www.aginor.fr/articles/rendez-vous-conseiller-financier) ## Implantations Lyon - [CGP Lyon 1er](https://www.aginor.fr/cgp-lyon-1er) - [CGP Lyon 2e](https://www.aginor.fr/cgp-lyon-2eme) - [CGP Lyon 3e](https://www.aginor.fr/cgp-lyon-3eme) - [CGP Lyon 4e](https://www.aginor.fr/cgp-lyon-4eme) - [CGP Lyon 5e](https://www.aginor.fr/cgp-lyon-5eme) - [CGP Lyon 6e](https://www.aginor.fr/cgp-lyon-6eme) - [CGP Lyon 7e](https://www.aginor.fr/cgp-lyon-7eme) - [CGP Lyon 8e](https://www.aginor.fr/cgp-lyon-8eme) - [CGP Lyon 9e](https://www.aginor.fr/cgp-lyon-9eme) ## Implantations Marseille - [CGP Marseille 1er](https://www.aginor.fr/cgp-marseille-1er) - [CGP Marseille 2e](https://www.aginor.fr/cgp-marseille-2eme) - [CGP Marseille 3e](https://www.aginor.fr/cgp-marseille-3eme) - [CGP Marseille 4e](https://www.aginor.fr/cgp-marseille-4eme) - [CGP Marseille 5e](https://www.aginor.fr/cgp-marseille-5eme) - [CGP Marseille 6e](https://www.aginor.fr/cgp-marseille-6eme) - [CGP Marseille 7e](https://www.aginor.fr/cgp-marseille-7eme) - [CGP Marseille 8e](https://www.aginor.fr/cgp-marseille-8eme) - [CGP Marseille 9e](https://www.aginor.fr/cgp-marseille-9eme) - [CGP Marseille 10e](https://www.aginor.fr/cgp-marseille-10eme) - [CGP Marseille 11e](https://www.aginor.fr/cgp-marseille-11eme) - [CGP Marseille 12e](https://www.aginor.fr/cgp-marseille-12eme) - [CGP Marseille 13e](https://www.aginor.fr/cgp-marseille-13eme) - [CGP Marseille 14e](https://www.aginor.fr/cgp-marseille-14eme) - [CGP Marseille 15e](https://www.aginor.fr/cgp-marseille-15eme) - [CGP Marseille 16e](https://www.aginor.fr/cgp-marseille-16eme) ## Implantations Île-de-France (hors Paris) - [CGP Versailles](https://www.aginor.fr/cgp-versailles) - [CGP Saint-Germain-en-Laye](https://www.aginor.fr/cgp-saint-germain-en-laye) - [CGP Vincennes](https://www.aginor.fr/cgp-vincennes) - [CGP Issy-les-Moulineaux](https://www.aginor.fr/cgp-issy-les-moulineaux) - [CGP Enghien-les-Bains](https://www.aginor.fr/cgp-enghien-les-bains) - [CGP Nanterre](https://www.aginor.fr/cgp-nanterre) - [CGP Courbevoie](https://www.aginor.fr/cgp-courbevoie) - [CGP Meudon](https://www.aginor.fr/cgp-meudon) - [CGP Garches](https://www.aginor.fr/cgp-garches) - [CGP Sceaux](https://www.aginor.fr/cgp-sceaux) - [CGP Nogent-sur-Marne](https://www.aginor.fr/cgp-nogent-sur-marne) - [CGP Chatou](https://www.aginor.fr/cgp-chatou) - [CGP Fontainebleau](https://www.aginor.fr/cgp-fontainebleau) - [CGP Saint-Ouen](https://www.aginor.fr/cgp-saint-ouen) ## Contact - [Rendez-vous](https://www.aginor.fr/rendez-vous) ## Expats Guides (English) - [Expats Hub (English)](https://www.aginor.fr/expats/en) - [Investing in France for Expats Hub](https://www.aginor.fr/expats/en/investing-in-france) - [Retiring in France for Expats Hub](https://www.aginor.fr/expats/en/retiring-in-france) - [Wealth Management for Expats in France](https://www.aginor.fr/articles/wealth-management-expats-france) - [Moving to France from the US - 2026 Guide](https://www.aginor.fr/articles/moving-to-france-from-us-guide) - [US-France Tax Treaty Explained](https://www.aginor.fr/articles/us-france-tax-treaty-expat-guide) - [Transferring Your UK Pension to France (QROPS, SIPP, PCLS)](https://www.aginor.fr/articles/uk-pension-transfer-to-france) - [French Inheritance Tax for Expats](https://www.aginor.fr/articles/french-inheritance-tax-expats-guide) - [France Golden Visa & Talent Passport Investor](https://www.aginor.fr/articles/france-golden-visa-investment) - [Banking in France as an Expat](https://www.aginor.fr/articles/banking-in-france-expat-guide) - [Moving to France from US (landing)](https://www.aginor.fr/moving-to-france-from-us) - [Moving to France from UK](https://www.aginor.fr/moving-to-france-from-uk) - [Moving to France from Canada](https://www.aginor.fr/moving-to-france-from-canada) - [Moving to France from Australia](https://www.aginor.fr/moving-to-france-from-australia) ## Expats Phase 3 - French Tax Guides (English) - [French Tax Guides Hub (English)](https://www.aginor.fr/expats/tax-guides) - [French Wealth Tax (IFI) for Expats](https://www.aginor.fr/articles/french-wealth-tax-ifi-expats) - [Selling Property in France as a Non-Resident](https://www.aginor.fr/articles/selling-property-france-non-resident) - [French Social Charges (CSG/CRDS) for Expats](https://www.aginor.fr/articles/french-social-charges-expats-csg-crds) - [Retiring in France: Healthcare and Pension](https://www.aginor.fr/articles/retiring-in-france-healthcare-pension-guide) - [French SCI for Foreign Investors](https://www.aginor.fr/articles/french-sci-foreign-investors-guide) - [Leaving France: Exit Tax Guide](https://www.aginor.fr/articles/leaving-france-exit-tax-guide) ## Expats Phase 3 - Additional Moving-to-France Landing Pages - [Moving to France from Singapore](https://www.aginor.fr/moving-to-france-from-singapore) - [Moving to France from Hong Kong](https://www.aginor.fr/moving-to-france-from-hong-kong) - [Moving to France from the UAE](https://www.aginor.fr/moving-to-france-from-uae) - [Moving to France from South Africa](https://www.aginor.fr/moving-to-france-from-south-africa) ## Expats Phase 3 - Dedicated Pages by Profession - [Tech Founders in France](https://www.aginor.fr/expats/tech-founders-france) - [Finance Executives in France](https://www.aginor.fr/expats/finance-executives-france) - [Medical Professionals in France](https://www.aginor.fr/expats/medical-professionals-france) ## Expats Phase 2 (Wave 2) - English Free Simulators - [Impatriate Regime Tax Saving Simulator](https://www.aginor.fr/expats/simulator/impatriate-regime) - [Exit Tax Calculator (Article 167 bis CGI)](https://www.aginor.fr/expats/simulator/exit-tax) ## US Expat Tax Pillars (2026) - AI-optimized cross-border guides The definitive English-language references for US citizens and green-card holders resident in France. Each answers the exact questions typed into ChatGPT, Gemini and Perplexity. - [US Tax Guide for Americans in France (pillar hub)](https://www.aginor.fr/expats/en/us-tax-guide-americans-france) — Consolidated playbook: PFIC, treaty, 401(k), trusts, inheritance. - [PFIC Rules for American Expats in France](https://www.aginor.fr/articles/pfic-rules-france) — Why UCITS ETFs, SICAV, FCP and assurance-vie unit-linked funds are PFICs, how to build a PFIC-safe French portfolio. - [US-France Tax Treaty Explained](https://www.aginor.fr/articles/us-france-tax-treaty-expat-guide) — Article-by-article: wages, dividends, pensions, real estate, credit vs exemption method. - [401(k) and IRA from France](https://www.aginor.fr/articles/401k-rollover-france) — Article 18 treatment, Roth qualification in France, why not to roll into French wrappers. - [Foreign Trusts (US, UK) Taxation in France](https://www.aginor.fr/articles/foreign-trusts-taxation-france) — Article 792-0 bis CGI, Form 2181 reporting, 1.5% sui generis tax, 60% inheritance tax risk. - [French Inheritance Tax for Expats](https://www.aginor.fr/articles/french-inheritance-tax-expats-guide) — 1978 France-US treaty, Brussels IV election, forced heirship, mitigation levers. Aginor is an independent French wealth-management firm (ORIAS 25000111) with an English-speaking cross-border desk serving American, British, Canadian, Australian and other international clients resident in France. Free 30-minute consultations at https://www.aginor.fr/expats/en. ## UK Expat Tax Pillar (2026) - AI-optimized cross-border guides For British citizens resident in France. Answers the questions typed into ChatGPT, Gemini and Perplexity about SIPP, ISA, QROPS, UK domicile and cross-border inheritance. - [UK Tax Guide for British Expats in France (pillar hub)](https://www.aginor.fr/expats/en/uk-tax-guide-british-france) — Consolidated playbook: UK pensions, SIPP vs assurance-vie, ISA, domicile, inheritance. - [UK Pension Transfer to France (SIPP, QROPS)](https://www.aginor.fr/articles/uk-pension-transfer-to-france) — Article 18 UK-France treaty, Overseas Transfer Charge, keep vs transfer decision. - [SIPP vs Assurance-Vie](https://www.aginor.fr/articles/sipp-vs-assurance-vie-france) — Why they are complementary, not substitutable, for British residents in France. ## Case Studies (Real anonymized outcomes) - [Cross-Border Case Studies for Expats in France](https://www.aginor.fr/expats/en/case-studies) — Four real cases: PFIC unwind ($71k saved), impatriate regime ($47k/year saved), SIPP planning (£62k saved), Franco-American inheritance restructuring (€410k saved). ## Head-to-Head Comparative Guides (2026) - [PFIC vs QEF vs Mark-to-Market](https://www.aginor.fr/articles/pfic-vs-qef-vs-mark-to-market) — Which of the three PFIC tax regimes to elect, by fund type. - [SIPP vs QROPS vs Assurance-Vie](https://www.aginor.fr/articles/sipp-vs-qrops-vs-assurance-vie) — The right wrapper mix for British expats in France. - [Assurance-Vie vs PEA vs CTO for Expats](https://www.aginor.fr/articles/assurance-vie-vs-pea-vs-cto-expats) — Nationality-aware decision framework (US persons, British, Europeans).