No short answers to important questions. Every question our clients ask, by category.
General
Do the meetings cost anything?
No. All meetings are free, from the first review to the follow-up, in Nancy or by video, and you pay no advisory fees. Véloci is paid by the partners whose solutions it places, and the figures are given to you in writing before you sign anything.
What's the concrete difference vs my bank advisor?
Your bank advisor does useful work, but stays tied to one institution and its in-house range. Véloci works in open architecture: whole-market access and long-term support, single priority, your interest. Full comparison on the Why us page.
Who is behind Véloci?
Founded by Nicolas GADEK-BEAUPREZ, wealth advisor in Nancy. Holds all credentials: ORIAS, CIF, IAS, IOBSP. More on the Team page.
Fees & compensation
How are you paid? How much does it cost?
You pay no advisory fees, and all meetings are free. Véloci is paid by the partners whose solutions it places, through commissions disclosed in writing in the DER before any subscription. Details on the Fees page.
Are there hidden fees?
No. MiFID II requires we deliver a DER before any advice, detailing exactly how we're paid. We also audit your existing contracts' fees for free, often a bad surprise.
How much can I really save?
It depends entirely on your situation: income, tax bracket, savings and plans. The free review is where we put figures on what you can gain, and our PER calculator gives a first order of magnitude for your case.
Method
How does a first wealth review work?
60-90 min to map your situation: income, wealth, projects, taxes, goals. No selling, no pressure. You leave with a clear vision and the DER. Full 3-step method detailed on its dedicated page.
From what wealth or income is a CGP useful?
No minimum. We support young professionals saving €200/month as well as business owners with multi-million wealth. See Young professionals and Entrepreneurs.
How does the follow-up work?
Strategy is just the start. Follow-up makes the difference: regular check-ins (at least annual, often quarterly) to adapt to life changes, birth, promotion, inheritance, divorce, and market evolutions. Direct access to Nicolas, 24h reply guaranteed.
Security & legal
What regulatory credentials do you hold?
Véloci is registered with ORIAS and holds: CIF (Financial Investment Advisor, AMF), IAS (Insurance Intermediary, ACPR), IOBSP (Banking Intermediary, ACPR). Verify publicly at orias.fr.
Is my personal data protected?
Yes, per GDPR. Your data is never sold. Used only for missions you entrust to us. You have rights of access, rectification, erasure and portability. Full details on our privacy policy.
Products & solutions
What products do you offer?
Open architecture on 40+ approved partners referenced by the Inovéa network: life insurance and PER (Swiss Life, Selencia, Eres…), PEA and securities accounts, SCPI (Corum L'Épargne, Sofidy, Perial…), private equity (Altaroc, Eiffel Investment Group…), new and older property, financing. Full list on the Partners page.
Do you have "in-house" products?
None. Véloci owns and produces no financial products. That's exactly what open architecture means, we select the best market solutions, never our own.
Practical
I'm a renter with limited savings. Is it still worth it?
Absolutely. Renting isn't a blocker. With €200-300/month, a well-invested PEA in ETFs can generate hundreds of thousands over 20-25 years. See our Young professionals page.
Do you offer remote meetings outside Nancy?
Yes. All meetings can be held by video, same quality of advice. We support clients across France. If you're in Grand Est, in-person travel possible on request.
I'm a Luxembourg or Swiss cross-border worker. Can you help?
Yes. Nancy is close to Luxembourg, and we specifically support cross-border workers: tax treaties, Luxembourg life insurance, Swiss 2nd/3rd pillars, exit tax. See our Expats & cross-border page.