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Why Véloci

Full freedom of choice,
serving your interests only.

In a sector where 80% of "advisors" are really salespeople tied to an institution, freedom of choice isn't a marketing claim — it's the baseline for real advice.

What "independent" really means

At Véloci, "independent" has a precise meaning: no capital ties to any bank, insurer or distribution network. We access the entire market to select the best solutions on one criterion only: their fit with your situation. Our compensation is transparent and disclosed before any implementation via the DER.

The 4 pillars that make the difference.

1

Whole-market access

Where your bank only offers in-house products, Véloci selects from hundreds of insurers, funds and investment solutions.

  • Objective comparison of life insurance contracts
  • Best market SCPIs across Europe
  • Institutional funds and private equity access
  • Open architecture on 50+ partners
2

Transparent pricing

No hidden fees, no surprises. Before each implementation, you know exactly how Véloci is paid.

  • Free audit of your existing contract fees
  • No surprise billing — agreed in advance
  • Systematic prior disclosure (DER + KID)
  • Choice between fees, commissions or mix
3

Availability & responsiveness

A property opportunity? A family change? Véloci replies within 24h.

  • Guaranteed reply within 24 business hours
  • In-person in Nancy or video across France
  • Proactive follow-up, not just reactive
  • Single long-term contact
4

Educational, no jargon

Finance is our job — not yours. Every recommendation is explained until you understand it perfectly.

  • Explanations accessible at any level
  • Concise, visual documents
  • You stay in charge of every decision
  • Financial glossary always available

Concretely, what does it change for you?

Daily difference between a whole-market advisor and a standard bank advisor.

Criterion
Bank advisor
Véloci (open architecture)
Products offered
In-house catalogue only
Whole market (50+ partners)
Sales targets
Monthly quotas imposed
No quotas — your interest first
Average annual fees (life ins.)
2 to 3%
0.8 to 1.5%
Follow-up continuity
Change every 2-3 years
Single long-term contact
Tax optimisation
Often absent or superficial
Full tax strategy
Compensation transparency
Partially transparent
DER mandatory — everything disclosed
Difference on €100k × 15 years
≈ €145,000
≈ €170,000 (+ €25,000)

The regulatory stake: MiFID II

The European MiFID II directive redefined "independent" advice in 2018. An advisor can only claim independence if they: (1) offer products from multiple providers, (2) disclose compensation transparently via the DER, (3) act in the client's sole interest. Véloci is built in that spirit: no capital ties, whole-market selection, and compensation disclosed transparently via the DER.

Test it: get a second opinion.

60-90 minutes to analyse your current investments, their real fees, and tell you honestly whether your situation can be optimised. Free.

Get a second opinion →

Our commitment.

The same standard, whatever the product: the best quality on the market, chosen for you.

No in-house products

Véloci neither designs nor sells in-house products. Through open architecture, we select the best solutions on the market for you, with no imposed catalogue and no quota, so we have no reason to steer you toward one over another.

The best quality

Only approved, recognised partners (leading insurers and asset managers), chosen for their strength, the quality of their management and their net-of-fees performance over time.

Lifelong support

A single point of contact who follows you at every stage of your financial life, from saving to transmission. A lasting relationship, not a one-off sale.

A relationship of trust

Full transparency (Engagement Disclosure Document), interests aligned with yours, clear guidance and availability. We aim for the best net-of-fees performance over time, not the lowest headline fee.