Wealth Management
Structure, protect, grow and pass on your wealth — a 360° approach combining financial engineering, real-estate expertise and tax & legal strategy.
Our partners
Our method
A structured four-step approach
A cross-disciplinary approach that places the wealth review at the heart of every recommendation, whether property or financial.
Comprehensive wealth review
An essential first stepBefore any recommendation, a full 360° audit: existing assets, income, debt, taxation, professional situation and family commitments.
Clarifying your objectives
Investing corporate cash, preparing for retirement, reducing taxation, generating additional income, protecting loved ones or passing on wealth.
Strategic roadmap
Informed decisions on the ideal balance between property assets (leverage, tangible) and financial assets (liquidity, responsiveness, tax framework).
Ongoing guidance & monitoring
Implementing the recommendations, then adjusting them regularly in line with tax, regulatory and personal changes.
Our approach
A 360° cross-disciplinary approach
GIA Patrimoine supports individuals, business owners and investors in structuring, protecting, growing and passing on their wealth.
Our property projects
RentedBuilding (commercial premises + studio flat) – Villiers-sur-Marne
GIA’s Role
We assisted the partners in setting up a property investment company (SCI) and in purchasing this property, situated in the town centre of Villiers-sur-Marne, securing a purchase price slightly below market value, thereby enabling the potential turnover of tenants within the commercial premises. We are also responsible for the property management of the flat and the commercial premises.
The property project in figures:
- Purchase price: €280,000, excluding registration fees.
- Commercial premises: lease on tacit renewal (premises occupied by the same tenant since 2002) and the rent had never been index-linked. A proposal to renew the lease on market rental terms was refused by the tenant, who subsequently gave notice to vacate. Minor refurbishment work, followed by the property being let to a new tenant who will undertake the fitting-out work in exchange for a rent-free period lasting several months.
- Studio flat: monthly rent excluding service charges of €630, in line with the market rental value.
This represents, for the transaction as a whole, an immediate yield of 5.91% and a yield following renegotiation of the commercial lease of 7.84% (excluding registration fees).
The founder
Founder & Managing Director of GIA Patrimoine
The standards of institutional real estate and finance, at the service of your wealth.
After 10 years at the heart of property investment and institutional financial analysis, my conviction is firm: lasting wealth demands the same methodological rigour as an investment fund, always built on a prior overall review.
A career forged alongside the sector's leading players
A graduate of the ESPI Master's and the MSc IMPI from KEDGE Business School, and AMF-certified, I built my expertise across the entire value chain of real estate and asset management within major institutional groups (CBRE, Groupama Immobilier and Foncia), as well as within an independent estate agency.
Why create GIA Patrimoine?
Drawing on this experience spanning major groups and the realities of the field, GIA Patrimoine was founded to offer truly independent, cross-disciplinary wealth guidance for individuals, investors and business owners. As a Financial Investment Advisor and insurance intermediary, we put property, financial, tax and legal engineering at the service of your life goals.
Accreditations & certifications
- Financial Investment Advisor (CIF) & insurance intermediary (IAS)
- Registered with ORIAS no. 26008302 · Member of ANACOFI no. 49262 · AMF certified
- Real estate professional — licence CPI94012025000000043, T (Transactions) & G (Management) cards
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What our clients say
Joel Afonso est un agent immobilier extrêmement professionnel et très présent. Il a toujours été très réactif. On se sent vraiment accompagné et en confiance, ce qui est rare et très appréciable. Je recommande vivement !
Expérience parfaite pour la mise en location de mon appartement. Joël a été très efficace : l'appartement a trouvé preneur très rapidement grâce à une excellente mise en valeur. Communication fluide et accompagnement au top. Merci beaucoup !!
J'ai eu une excellente expérience avec GIA Patrimoine. L'accompagnement a été à la fois professionnel, clair et parfaitement adapté à ma situation. Les conseils en placements financiers ont été pertinents et bien expliqués, ce qui m'a permis de prendre des décisions en toute confiance. On sent une vraie expertise ainsi qu'une volonté de proposer des solutions sur mesure, et non des produits standardisés. Le suivi est également très sérieux, avec une réelle disponibilité pour répondre aux questions et ajuster la stratégie si nécessaire. Je recommande vivement GIA Patrimoine à toute personne souhaitant optimiser ses investissements avec un accompagnement de qualité.
Monsieur Afonso de l'équipe GIA nous a accompagné ma femme et moi dans le cadre de notre démarche locative avec bienveillance et professionnalisme. Nous recommandons chaudement ses services.
We had a wonderful experience working with Joel while finding our apartment. He was extremely helpful throughout the entire process and supported us in every step, from searching for the apartment to completing the contract and moving in. Joel is very professional, committed, and respectful in his work. He always responded quickly, guided us properly, and made the whole process much easier and smoother for us. His dedication and positive attitude truly stood out. We really appreciate all his help and highly recommend Joel to anyone looking for reliable and excellent service. Thank you, Joel, for your great support and hard work!
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