No short answers to important questions. Every question our clients ask — by category.
🏛️ General
Is the first appointment really free? And after?
Yes, completely. The first 60-90 min discovery meeting is free and with no commitment — in person in Nancy or by video. Afterwards, our terms are presented transparently before any commitment. No surprises.
What's the concrete difference vs my bank advisor?
Your bank advisor is employed by the bank: sales targets, in-house products only, frequent rotation. Véloci is independent: no ties, whole market, single priority — your interest. Full comparison on the Why us page.
Who is behind Véloci?
Founded by Nicolas Gadek, wealth advisor in Nancy. Member of the Inovéa network (200+ firms in France) with all credentials: ORIAS, CIF, IAS, IOBSP. More on the Team page.
💶 Fees & compensation
How are you paid? How much does it cost?
Three modes: (1) Commissions paid by product providers — no direct cost, amount in the DER. (2) Advisory fees from €600 for a simple review. (3) Mixed, most common. 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?
Depends on your situation. Order of magnitude: (1) Tax savings average: €3,000-8,000/yr. (2) Fee gap on €100k over 15 years: ≈ €25,000 between bank and independent. Test with our PER calculator.
🎯 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 50+ partners: life insurance (Generali, Spirica, Suravenir…), PER, PEA, SCPI (Corum, Primonial, Sofidy…), ETFs, funds, private equity, direct real estate, Luxembourg contracts. Full list on the Partners page.
Do you have "in-house" products?
None. Véloci owns and produces no financial products. That's exactly what independence 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.