Your banker sells you their products. Your accountant stops at the numbers. Véloci is an independent wealth-management advisor who works for you alone — to pay less tax, grow your savings, and prepare the future with peace of mind.
The French financial system is built to sell, not to advise. As a result, the vast majority of savers pay too much tax, take on too much (or too little) risk, and have no coherent strategy. Véloci is here to change that.
A bank advisor is employed by their institution. They have sales quotas to hit and can only offer in-house products — regardless of quality. That isn't advice, it's selling.
Without a tax strategy you overpay. PER, life insurance, real-estate tax breaks, gifting… dozens of legal tools exist. Without guidance, most savers use none of them.
Livret A at 3%, low-yield PEL, life insurance stuck in euro funds… without a strategic allocation, your savings erode against inflation. A coherent, diversified plan can change the picture in depth.
French pensions are shrinking. Every year without a capitalisation plan costs you years of comfort. Starting at 35 turns €100/month into a meaningful retirement supplement by 65.
Every client is unique. We always start from your concrete life goals — not from financial products — to build your wealth strategy.
Real-estate tax breaks, PER, life insurance, gifting… hundreds of legal mechanisms exist. We build a coherent tax strategy that reduces your bill year after year.
Livret A is no longer enough. We build a diversified portfolio — matched to your horizon and risk appetite — so your money actually works for you.
Direct rentals, SCPIs, bare ownership, dismemberment… we identify the real-estate investment best suited to your tax and wealth situation — without the burden of property management if you prefer.
Every year counts. We compute your future pension, measure the gap with your needs, and put a bespoke capitalisation plan in place — so you maintain your lifestyle in retirement.
Death, disability, loss of income… life's unknowns can change everything. We review your existing coverage and fill the gaps with solutions fitted to your family situation.
Without planning, inheritance tax can take up to 45% of your wealth. Gifting, life insurance, dismemberment of property… we optimise your estate to protect those you love.
No endless forms. No jargon. No waiting. Our process is designed to be simple, fast and effective — because your time matters.
A 60-to-90-minute meeting to get to know you and take stock. Current situation, life projects, goals, constraints, tax position… We map your wealth as a whole before making a single recommendation.
In under a week you receive a bespoke wealth plan: concrete recommendations, numerical projections over 5, 10 and 20 years, recommended tax wrappers, and a clear roadmap to take action.
Véloci stays with you through every account opening, subscription, and investment. And it doesn't stop there: regular check-ins, proactive adjustments as markets and your life evolve, clear reporting.
In a sector where 80% of "advisors" are really salespeople tied to an institution, independence isn't a marketing claim — it's the baseline condition for receiving real advice.
At Véloci, "independent" has a precise meaning: we have no capital ties to any bank, insurer or distribution network. We access the entire market to select the best solutions — insurers, asset managers, developers — on one criterion only: their fit with your situation. Our compensation is transparent and disclosed before anything is put in place.
Where your bank can only offer in-house products, Véloci selects from hundreds of insurers, funds and investment solutions. You always get the best available option.
No hidden fees, no surprises. Before each implementation, you know exactly how Véloci is paid — whether through advisory fees or commissions from product providers.
A property opportunity to seize? A change in family situation? A question about your contract? Véloci replies within 24h and acts with the speed your wealth deserves.
Finance is our job — not yours. Every recommendation is explained clearly, with the upside, the risks and the alternatives. You decide with full knowledge of the facts, always.
The best proof is in our clients' results: concrete goals, real savings, and peace of mind around their finances.
I was worried a wealth advisor would be "for the rich". First surprise: the appointment was free. Second surprise: within 3 weeks I'd opened a PER that saves me €3,600 in tax every year. I keep wondering why I waited so long.
My wealth was scattered: some Livret A, an old life-insurance policy from my bank with sky-high fees, and nothing else. In 6 months with Véloci I restructured the lot, invested in SCPIs, and my net yield almost tripled — without losing a single night of sleep.
At 29, I thought wealth management was something you did "later, when you've got more money". Véloci showed me that starting early with €300/month is the smartest financial decision of my life. The retirement plan we set up will return far more than anything I could have done alone.
Official Filianse presentation — Inovéa educational tool (55 sec)
France desperately lacks independent financial advisors. Millions of savers are waiting for proper guidance. That advisor could be you.
Whatever your profile, schedule or experience, there's a path made for you.
Ideal for: employees, students, anyone wanting a side activity
Curious about finance, with a network, but not ready to leave everything behind yet? The Ambassador role is for you. With no schedule constraints, you connect people in your network with the right financial solutions and earn supplementary income.
Ideal for: career changers, confirmed dual-actives
Want to go further and offer real support to your clients? Consultants handle financial follow-up, run budget diagnoses and accompany clients on their saving and investment projects — with permanent expert backing.
Ideal for: entrepreneurs, independents, full career changers
The Advisor path is a true entrepreneurial project. You manage your own client book, deliver personalised recommendations across all wealth solutions, and can build and lead your own team of advisors.
Joining the Inovéa network goes through mentorship. It isn't a formality — it's the guarantee of personalised support and a direct line to an experienced professional from day one. Your mentor guides your skill-building, your understanding of the trade, and your strategic decisions.
Pick my mentor →A conversation with Nicolas to understand your profile, your motivations, and identify the path that fits you.
Access to Inovéa's initial training, digital tools and the regulatory certifications required to practice.
Your mentor is by your side for the first introductions, the first cases, the first client recommendations.
Seminars, webinars, network events and ongoing training so you never stop progressing or growing your book.
We welcome very varied profiles. Here are the ones who thrive most in our network.
You want meaningful work and a solid business model.
You want a side activity without leaving your current job.
You want to build your own firm and grow your team.
You're fresh out of business or finance school and looking for a launchpad.
A 30-minute conversation with Nicolas is enough to know if this opportunity is right for you. Free, no commitment, and potentially decisive.
No short answers to important questions. Here are the things our clients ask most often — with honest answers.
Accessible, educational, jargon-free finance — find our content on every platform.
Enter your numbers, see your tax saving in real time. As simple as that.
Interactive calculators and a wealth quiz to concretely measure what a good strategy can earn you.
Calculate your immediate tax saving from a contribution to your Retirement Savings Plan based on your tax bracket.
Save up to 45%Project your capital at 65 based on your age, monthly savings and target yield. Measure the impact of starting today.
Compound interestSee how much your contract fees really cost you over 20 years. The result is often surprising.
Instant diagnosisIn 6 questions, identify your profile (Cautious, Balanced, Dynamic, or Entrepreneur) and receive personalised recommendations matched to your situation.
60 minutes. Free. No commitment.
Just the clarity your wealth has long deserved.
"Be swift, be Véloci"