The problem

17 million French savers go
without truly neutral advice.

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 offers only its own products

A bank advisor stays tied to their institution and its in-house range, however strong the alternatives elsewhere. Long-term guidance built around your interest alone is rare there.
Thousands of euros in tax paid for nothing

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.
Poorly allocated savings, an uncertain future

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.
Retirement — always tomorrow's problem

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.

The real difference — before vs after Véloci

Without a dedicated advisor

With Véloci

Products forced by your bank

Selection from the entire market

No tax optimisation

Personalised tax strategy

Undiversified savings

Bespoke allocation

Hidden fees never spotted

Full fee audit

Improvised retirement

Structured retirement plan

No estate-planning strategy

Optimised wealth transfer

Average tax saving for our clients

€3,000 – €8,000/year

Depending on tax profile and wealth

Your goals

Tell us what you want to
build. We'll figure out how.

Every client is unique. We always start from your concrete life goals — not from financial products — to build your wealth strategy.

I want to

Pay less tax — legally and sustainably

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.

PERPinelMalrauxDenormandieGirardin

I want to

Grow my savings intelligently

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.

Life insurancePEAETFSCPIPrivate equity

I want to

Invest in real estate without the hassle

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.

SCPIFurnished rentalBare ownershipCrowdfunding

I want to

Prepare my retirement starting today

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.

Individual PERCollective PERMadelinCapitalisation

I want to

Protect my family if something goes wrong

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.

Life coverDisability coverLoan insurance

I want to

Pass on my wealth on the best terms

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.

GiftingDismembermentLife insuranceSCI

Our method

From the first conversation
to wealth that looks like you.

No endless forms. No jargon. No waiting. Our process is designed to be simple, fast and effective — because your time matters.

The review — free &

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.

The strategy — clear, quantified, prioritised

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.

Execution — fast and supported

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.

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 condition for receiving real advice.

What "independent" really means

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.

✓ Whole-market access

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.

Objective comparison of life-insurance contracts
Selection of the best SCPIs on the market
Access to institutional funds and private equity

✓ Transparent pricing

No hidden fees, no surprises. Before each implementation, you know exactly how Véloci is paid — whether through advisory fees or commissions from product providers.

Audit of fees on your existing contracts
No surprise billing
Systematic pre-disclosure (DER/KID)

✓ Availability & responsiveness

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.

Guaranteed reply within 24 business hours
Available in person (Nancy) and by video
Proactive follow-up, not just reactive

✓ Educational, no jargon

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.

Explanations accessible at any level
Concise, visual documents
You stay in charge of every decision

Testimonials

What clients say
after taking the step.

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.

€3,600/year tax savings

Sophie M.

Senior executive · 41 · Nancy

★★★★★

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.

Net yield ×3 in 6 months

Thomas L.

Business owner · 47 · Metz

★★★★★

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.

Retirement plan launched at 29

Antoine B.

Engineer · 29 · Strasbourg

Trust & compliance

A regulated, accredited firm.

Véloci operates within a strict regulatory framework. Here are the credentials and guarantees that protect your interests at every step.

ORIASRegistered on the official register of intermediaries (orias.fr)

CIFFinancial Investment Advisor, under the authority of the AMF

IASAccredited insurance intermediary

IOBSPCredit and bank financing intermediary

AMF MediationAccess to an independent mediator in case of dispute

GDPRYour data is protected, encrypted and never shared

First meeting 100 % free · Professional liability insurance · Financial guarantee · Entry Relationship Document (DER) provided before any advice.

Clarity & education

Our educational tools.

To keep your wealth clear and every decision easy to understand, we rely on industry-leading platforms.

Inovéa's network analysis and simulation tools, to visualise every wealth scenario and understand the impact of your decisions.

The Filianse platform, which monitors and presents your situation with full clarity, in open architecture, throughout our work together.

FAQ

The questions you
probably want to ask.

No short answers to important questions. Here are the things our clients ask most often — with honest answers.

Is the first appointment really free? And after that?

Yes, completely. The first discovery meeting (60-90 min) is free and with — whether in person in Nancy or by video. After this review, if you want to go further, we present our terms of engagement transparently before any commitment from you. No surprises.

What is the concrete difference between Véloci and my bank advisor?

Your bank advisor does useful work, but stays tied to a single institution and its in-house range. Véloci works in open architecture: we access the whole market and support you over the long term, with one priority only — your interest. In practice that means personalised guidance, controlled fees, and a coherent long-term strategy.

From what wealth or income level is a wealth advisor worth it?

There is no minimum threshold. We work with young professionals saving €200/month as well as business owners with multi-million wealth. What matters is your willingness to structure your situation. The earlier you start, the more powerful the strategy — compound interest is your best ally.

How are you paid, and how do you avoid conflicts of interest?

Véloci can be paid in two ways: through advisory fees (billed directly) or through commissions paid by product providers (insurers, asset managers). Either way, you are informed before any implementation through a written document (DER). We never recommend a product simply because it pays better — our long-term reputation depends on your results.

I rent and don't have much savings. Is it still worth it?

Absolutely. Renting is not a blocker — sometimes it's even easier to optimise. With €200-300/month, a well-invested PEA in ETFs can generate several hundred thousand euros over 20-25 years. And if you want to buy, we can also work on your borrowing capacity and prepare your file. Starting small and early always beats starting perfect and late.

Do you offer remote appointments for people outside Nancy?

Yes. All meetings can be held by video, with the same tools, same advice quality and same documents as in-person meetings. We support clients across France. If you're in the Grand Est region, we can also travel on request.

How does the follow-up work once the strategy is in place?

The strategy is just the starting point. What really makes the difference is the quality of follow-up over time. We hold regular check-ins (at least annual, often quarterly) to adapt your strategy to changes in your life — birth, promotion, inheritance, divorce — and in the markets. You have direct access to Nicolas by phone and email, with a guaranteed 24h reply.

Your wealth deserves
real guidance.

17 million French savers go
without truly neutral advice.

A bank offers only its own products

Thousands of euros in tax paid for nothing

Poorly allocated savings, an uncertain future

Retirement — always tomorrow's problem