Three possible compensation modes.
Depending on your situation, one or another applies. Always disclosed in advance.
Commission
Paid by the product provider (insurer, asset manager, bank) at subscription.
- No direct cost to you
- Amount disclosed in the DER
- Regulated under MiFID II
- Most common for life insurance, PER, SCPI
Advisory fees
You pay Véloci directly for the advisory mission — no product commission.
- Hourly or fixed rate agreed upfront
- Fully transparent remuneration
- Ideal for complex audits
- From €600 for a simple review
Mixed
Combination tailored to your situation. Fees for the review, commissions on implemented products.
- Flexible mode, calibrated case by case
- All numbers detailed in advance
- Most common in practice
- Net savings vs bank solutions
The DER: your transparency guarantee
The Engagement Disclosure Document is mandatory before any advice. It details: who Véloci is, credentials (ORIAS, CIF, IAS, IOBSP), exact compensation mode, potential conflicts of interest, complaint process. You receive it in writing before anything is set up — it's a MiFID II requirement.
The gap with a bank over 15 years.
On €100,000 invested over 15 years, here's the fee gap between a standard bank and a wealth advisor.
(+ €25,000)
Which mode applies to your profile?
There is no one-size-fits-all mode. The choice depends on your situation, the complexity of your file and your preference for transparency.
Individual, first review
You want to map out your situation and identify the levers available to you.
- Commission mode in most cases
- First meeting complimentary
- No implementation = no fees
- Suitable from €200/month in savings
Business owner or complex wealth
You need an objective second opinion, a holding strategy or optimisation of your remuneration.
- Mixed mode is the most common
- Fees for the in-depth review (fixed amount agreed upfront)
- Commissions on products implemented afterwards
- Full guarantee of objectivity on recommendations
Contract audit
You want to review your existing contracts, compare fees or get a second opinion on your current investments.
- Pure advisory-fee mode
- No commission, no product sold
- Written report with quantified recommendations
- From €600 depending on the complexity of the file
What's included in every mission.
Our compensation covers structured guidance in three stages, not just the sale of a product.
Stage 1 — Complete wealth review (included, always free)
A 60 to 90-minute meeting. We analyse your income, expenses, existing savings, real-estate assets, taxation (marginal rate, IFI where applicable) and your goals at 3, 10 and 20 years. The DER (Engagement Disclosure Document) is handed over as required, with a presentation of the compensation mode. No product is presented during this first meeting.
Stage 2 — A wealth strategy formalised in writing
Within 5 to 7 days of the review, you receive a personalised summary document: prioritised recommendations, quantified projections over 5, 10 and 20 years, a selection of suitable tax wrappers (PER, PEA, life insurance, SCPI, direct real estate) and a year-by-year estimate of the tax and wealth gain. This document is yours, regardless of any implementation.
Stage 3 — Implementation and long-term follow-up
We coordinate every contract opening, along with reallocations and adjustments over time. Regular check-ins (at least annually, often quarterly for active files). Direct access to Nicolas GADEK-BEAUPREZ, with a guaranteed reply within 24 working hours. Coordination with your accountant and notary where needed. Support at every life event: a change in your situation, an inheritance, the sale of a business, retirement.
The savings far outweigh
the fees.
A wealth advisor is not an added cost — it's an investment whose return is measurable from the very first year.
Average annual tax saving
Through a well-calibrated PER, optimised director's remuneration or a life-insurance reallocation, the tax saving observed ranges from €3,000 to €8,000 per year depending on the profile.
Fee gap over 15 years
On €100,000 invested, the difference between a standard bank's fees (2–3%/year) and a wealth advisor's (0.8–1.5%/year) represents around €25,000 in additional capital over 15 years at 6% gross.
First meeting
The initial wealth review is complimentary. You leave with a clear view of your situation, even if you decide not to take it further.
Frequently asked questions about fees.
Do I have to pay if no product is taken out?
No, under the commission mode. If the review leads to no implementation, no fee is charged. This is one of the reasons the first meeting is unconditionally free: you are free not to proceed, with no moral or financial obligation whatsoever.
Do commissions make products more expensive?
No. Commissions are built into the pricing structure of financial products — they exist whether you go through an advisor, a bank adviser or an online platform. The difference with Véloci: access to open architecture (50+ partners) makes it possible to select the products with the best fee/performance ratio, which far outweighs the commission received.
How is the fee amount set?
The fixed amount is established before the mission begins, in writing, based on the complexity of the file: the number of wrappers to analyse, the presence of a corporate-tax/SCI/holding structure, existing contracts to audit and the level of detail required in the projections. No surprises at the end of the mission — the amount is agreed and locked in when the advisory mandate is signed.
Can I see the fees on my existing contracts before committing?
Yes, and it's offered as standard. The audit of your existing contracts (life insurance, PER, PEA) is carried out free of charge during the review. It objectively quantifies the fees you actually pay today and compares them with the alternatives available. This quantified audit is provided in writing.
Does compensation change depending on the products recommended?
Potentially — and that is precisely the transparency required by MiFID II: the DER (Engagement Disclosure Document) provided before any advice sets out exactly which commissions would be received for each type of product. You therefore know in advance whether a recommendation could be influenced by compensation, and you can opt for the advisory-fee mode if you prefer complete fee transparency.
Are you subject to the same obligations as a bank?
Yes, and even more so. As a CIF (Financial Investment Advisor) authorised by the AMF, an IAS (Insurance Intermediary) supervised by the ACPR and an IOBSP supervised by the ACPR, Véloci is subject to MiFID II, to the duty to provide documented personalised advice, and to the obligation of best execution. The ORIAS registration is publicly verifiable. A bank adviser, by contrast, has no legal obligation to act in your interest, unlike a CIF.