{"id":329521,"date":"2026-10-13T09:18:59","date_gmt":"2026-10-13T07:18:59","guid":{"rendered":"https:\/\/sol-fiscal.com\/wealth-diversification-and-investments\/"},"modified":"2026-11-06T15:50:24","modified_gmt":"2026-11-06T14:50:24","slug":"wealth-diversification-and-investments","status":"publish","type":"page","link":"https:\/\/sol-fiscal.com\/en\/wealth-diversification-and-investments\/","title":{"rendered":"Wealth diversification and investments"},"content":{"rendered":"\r\n\r\n<div class=\"et_pb_section_0 et_pb_section et_section_regular et_flex_section sf-hero-cercle\">\r\n\r\n<div class=\"et_pb_row_0 et_pb_row et_flex_row\">\r\n\r\n<div class=\"et_pb_column_0 et_pb_column et_block_column et_pb_css_mix_blend_mode_passthrough et_flex_column_12_24 et_flex_column_12_24_tablet et_flex_column_24_24_phone\">\r\n\r\n<div class=\"et_pb_text_0 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><p><strong>Wealth diversification and investments in Andorra<\/strong><\/p>\n<\/div><\/div>\r\n\r\n<div class=\"et_pb_text_1 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><h1>Give your wealth a clear direction in Andorra<\/h1>\n<\/div><\/div>\r\n\r\n<div class=\"et_pb_text_2 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module accueil-deco preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><p>Wealth is more than a collection of products. It gives you the means to fund the life and projects you choose.<\/p>\n<\/div><\/div>\r\n\r\n<div class=\"et_pb_group_0 et_pb_group et-last-child et_pb_module et_flex_group et_pb_css_mix_blend_mode_passthrough\">\r\n\r\n<div class=\"difl_advancedbutton_0 difl_advancedbutton et_pb_module\"><a class=\"difl_advanced_button_container media_right dfab_media_slide dfab_mr_left\" data-settings='{\"tooltip_enable\":false,\"disable_on_mobile\":true,\"arrow\":true,\"interactive\":true,\"interactiveBorder\":\"2\",\"interactiveDebounce\":\"0\",\"animation\":\"fade\",\"placement\":\"top\",\"trigger\":\"mouseenter focus\",\"followCursor\":false,\"maxWidth\":\"350\",\"offsetEnable\":false,\"offsetSkidding\":0,\"offsetDistance\":10,\"delay\":300}' data-text=\"\" href=\"#contact-patrimoine\" >\n\t\t\t\t\t\t\t<span class=\"difl_adv_btn_wrapper\">\n\t\t\t\t\t\t\t\t<span class=\"difl_adv_btn_media_wrapper\"><span class=\"et-pb-icon difl_adv_btn_media difl_adv_btn_icon\">&<\/span><\/span>\n\t\t\t\t\t\t\t\t<span class=\"difl_adv_btn_text_wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"difl_adv_btn_text\">Speak to the firm<\/span>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<span class=\"difl_adv_btn_sub_text\"><\/span> \n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<noscript class=\"difl_advanced_button_tooltip_content\"><\/noscript>\n\t\t\t\t\t\t<\/a><\/div>\r\n\r\n<div class=\"et_pb_text_3 et_pb_text et_pb_bg_layout_light et_pb_module et_flex_module preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><p><a class=\"reading-link\" href=\"#methode\">See how we help you decide<\/a><\/p>\n<\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_column_1 et_pb_column et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough et_flex_column_12_24 et_flex_column_12_24_tablet et_flex_column_24_24_phone\">\r\n\r\n<div class=\"et_pb_text_4 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><p>You have created value. The next step is to decide what it should make possible: keeping real flexibility, funding a new project, generating income, investing in Andorra, involving your children or planning a wealth transfer.<\/p>\n<p>We bring together legal, tax, accounting, banking, property and business decisions to build arrangements you can understand, manage and adapt.<\/p>\n<\/div><\/div>\r\n\r\n<div class=\"et_pb_text_5 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><p><strong>A clear plan before products \u00b7 Responsibilities in writing \u00b7 Your advisers involved \u00b7 Follow-up after signing<\/strong><\/p>\n<\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_row_1 et_pb_row et_pb_gutters3 et_block_row\">\r\n\r\n<div class=\"et_pb_column_2 et_pb_column et_pb_column_4_4 et-last-child et_flex_column et_pb_css_mix_blend_mode_passthrough\">\r\n\r\n<div class=\"et_pb_image_0 et_pb_image et_pb_module et_flex_module\"><span class=\"et_pb_image_wrap\"><img decoding=\"async\" src=\"https:\/\/sol-fiscal.com\/wp-content\/uploads\/2026\/07\/Logo-ViaExpert-Horizontal-Rouge-2.png\" alt=\"SOL Fiscal, a member of the Viaexperts network\" width=\"700\" height=\"205\" srcset=\"https:\/\/sol-fiscal.com\/wp-content\/uploads\/2026\/07\/Logo-ViaExpert-Horizontal-Rouge-2.png 700w, https:\/\/sol-fiscal.com\/wp-content\/uploads\/2026\/07\/Logo-ViaExpert-Horizontal-Rouge-2-480x141.png 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 700px, 100vw\" class=\"wp-image-327816\" \/><\/span><\/div>\r\n\r\n<div class=\"et_pb_text_6 et_pb_text et_pb_bg_layout_light et_pb_module et_flex_module preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><p><strong>Member of the Viaexperts network<\/strong><\/p>\n<\/div><\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_section_1 et_pb_section et_section_regular et_block_section\" id=\"cap\">\r\n\r\n<div class=\"et_pb_row_2 et_pb_row et_block_row\">\r\n\r\n<div class=\"et_pb_column_3 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\">\r\n\r\n<div class=\"et_pb_text_7 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><p>The client comes before the products<\/p>\n<\/div><\/div>\r\n\r\n<div class=\"et_pb_text_8 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><h2>Before investing, decide what you want your money to make possible.<\/h2>\n<\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_row_3 et_pb_row et_flex_row\">\r\n\r\n<div class=\"et_pb_column_4 et_pb_column et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_12_24 et_flex_column_12_24_tablet et_flex_column_24_24_phone\">\r\n\r\n<div class=\"et_pb_code_0 et_pb_code et_pb_module\"><div class=\"et_pb_code_inner\"><style>\n.sf-patrimoine-map {\n  --sf-ink: #2a2927;\n  --sf-gold: #b2986d;\n  --sf-paper: #fcfbf9;\n\n  position: relative;\n  isolation: isolate;\n  width: 100%;\n  max-width: 510px;\n  aspect-ratio: 1;\n  margin: 10px auto;\n  font-family: \"DM Sans\", Arial, sans-serif;\n}\n\n.sf-patrimoine-map,\n.sf-patrimoine-map * {\n  box-sizing: border-box;\n}\n\n\/* Cercle de liaison ext\u00e9rieur *\/\n.sf-patrimoine-map__orbit {\n  position: absolute;\n  inset: 10% 15% 20%;\n  border: 1px solid rgba(178, 152, 109, .4);\n  border-radius: 50%;\n  z-index: -1;\n}\n\n\/* Centre *\/\n.sf-patrimoine-map__center {\n  position: absolute;\n  top: 45%;\n  left: 50%;\n  transform: translate(-50%, -50%);\n\n  display: flex;\n  align-items: center;\n  justify-content: center;\n\n  width: 30%;\n  aspect-ratio: 1;\n  padding: 18px;\n  border-radius: 50%;\n  background: var(--sf-ink);\n  color: var(--sf-paper);\n  box-shadow: 0 12px 30px rgba(42, 41, 39, .08);\n\n  font-family: Freight, Georgia, serif;\n  font-size: clamp(23px, 2.5vw, 32px);\n  font-weight: 400;\n  line-height: 1.08;\n  text-align: center;\n}\n\n\/* Anneau fin autour du centre *\/\n.sf-patrimoine-map__center::before,\n.sf-patrimoine-map__center::after {\n  content: \"\";\n  position: absolute;\n  inset: -11px;\n  border-radius: 50%;\n  pointer-events: none;\n}\n\n.sf-patrimoine-map__center::before {\n  border: 1px solid rgba(178, 152, 109, .3);\n}\n\n\/* Animation lente *\/\n.sf-patrimoine-map__center::after {\n  border: 1px solid transparent;\n  border-top-color: var(--sf-gold);\n  border-right-color: var(--sf-gold);\n  animation: sfPatrimoineOrbit 35s linear infinite;\n}\n\n\/* Les cinq bulles *\/\n.sf-patrimoine-map__node {\n  position: absolute;\n  transform: translate(-50%, -50%);\n\n  display: flex;\n  align-items: center;\n  justify-content: center;\n\n  width: 25%;\n  aspect-ratio: 1;\n  padding: 12px;\n  border: 1px solid rgba(178, 152, 109, .58);\n  border-radius: 50%;\n  background: #fff;\n  color: var(--sf-ink);\n  box-shadow: 0 6px 20px rgba(42, 41, 39, .025);\n\n  font-size: clamp(12px, 1.25vw, 15px);\n  font-weight: 500;\n  line-height: 1.35;\n  text-align: center;\n  hyphens: auto;\n\n  transition: border-color .3s, box-shadow .3s;\n}\n\n.sf-patrimoine-map__node:hover {\n  border-color: var(--sf-gold);\n  box-shadow: 0 8px 25px rgba(178, 152, 109, .13);\n}\n\n.sf-patrimoine-map__node--liquidite {\n  top: 10%;\n  left: 50%;\n}\n\n.sf-patrimoine-map__node--entreprise {\n  top: 35%;\n  left: 85%;\n}\n\n.sf-patrimoine-map__node--famille {\n  top: 75%;\n  left: 72%;\n}\n\n.sf-patrimoine-map__node--immobilier {\n  top: 75%;\n  left: 28%;\n}\n\n.sf-patrimoine-map__node--investissements {\n  top: 35%;\n  left: 15%;\n}\n\n\/* L\u00e9gende *\/\n.sf-patrimoine-map__caption {\n  position: absolute;\n  bottom: 0;\n  left: 0;\n  width: 100%;\n  margin: 0;\n  padding: 0 15px;\n\n  color: #80633a;\n  font-size: 10px;\n  line-height: 1.5;\n  letter-spacing: .12em;\n  text-align: center;\n  text-transform: uppercase;\n}\n\n@keyframes sfPatrimoineOrbit {\n  to {\n    transform: rotate(360deg);\n  }\n}\n\n@media (max-width: 800px) {\n  .sf-patrimoine-map {\n    max-width: 440px;\n  }\n\n  .sf-patrimoine-map__center {\n    font-size: 29px;\n  }\n\n  .sf-patrimoine-map__node {\n    font-size: 14px;\n  }\n}\n\n@media (max-width: 500px) {\n  .sf-patrimoine-map {\n    max-width: 340px;\n    margin: 0 auto 12px;\n  }\n\n  .sf-patrimoine-map__node {\n    width: 26%;\n    padding: 6px;\n    font-size: 12px;\n  }\n\n  .sf-patrimoine-map__center {\n    width: 29%;\n    padding: 10px;\n    font-size: 23px;\n  }\n\n  .sf-patrimoine-map__center::before,\n  .sf-patrimoine-map__center::after {\n    inset: -7px;\n  }\n\n  .sf-patrimoine-map__caption {\n    font-size: 9px;\n    letter-spacing: .09em;\n  }\n}\n\n@media (prefers-reduced-motion: reduce) {\n  .sf-patrimoine-map__center::after {\n    animation: none;\n  }\n\n  .sf-patrimoine-map__node {\n    transition: none;\n  }\n}\n<\/style>\n\n<div class=\"sf-patrimoine-map\" lang=\"fr\">\n  <div class=\"sf-patrimoine-map__orbit\" aria-hidden=\"true\"><\/div>\n\n  <div class=\"sf-patrimoine-map__center\">\n    Your projects\n  <\/div>\n\n  <div class=\"sf-patrimoine-map__node sf-patrimoine-map__node--liquidite\">\n    Liquidity\n  <\/div>\n\n  <div class=\"sf-patrimoine-map__node sf-patrimoine-map__node--entreprise\">\n    Business\n  <\/div>\n\n  <div class=\"sf-patrimoine-map__node sf-patrimoine-map__node--famille\">\n    Family\n  <\/div>\n\n  <div class=\"sf-patrimoine-map__node sf-patrimoine-map__node--immobilier\">\n    Real estate\n  <\/div>\n\n  <div class=\"sf-patrimoine-map__node sf-patrimoine-map__node--investissements\">\n    Invest<wbr>ments\n  <\/div>\n\n  <p class=\"sf-patrimoine-map__caption\">\n    Coordination by SOL Fiscal\n  <\/p>\n<\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_column_5 et_pb_column et-last-child et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_12_24 et_flex_column_12_24_tablet et_flex_column_24_24_phone\">\r\n\r\n<div class=\"et_pb_text_9 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><p>Capital available after a sale, distribution, wealth transfer or several years of growth rarely calls for one solution. Some may need to stay readily available. Another portion can fund a medium-term project. A third can take on more illiquidity if the rights, risks and time horizon are understood.<\/p>\n<\/div><\/div>\r\n\r\n<div class=\"et_pb_text_10 et_pb_text et_pb_bg_layout_light et_pb_module et_flex_module accueil-deco preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><blockquote>\n<p>We start with the decision you need to make, then look at the instruments available.<\/p>\n<\/blockquote>\n<\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_row_4 et_pb_row et_flex_row\">\r\n\r\n<div class=\"et_pb_column_6 et_pb_column et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_12_24 et_flex_column_12_24_tablet et_flex_column_24_24_phone\">\r\n\r\n<div class=\"et_pb_blurb_0 et_pb_blurb et_pb_bg_layout_light et_pb_blurb_position_top et_pb_module et_block_module preset--module--divi-blurb--default\"><div class=\"et_pb_blurb_content\"><div class=\"et_pb_blurb_container\"><h3 class=\"et_pb_module_header\">Keep a reserve you can actually access<\/h3><div class=\"et_pb_blurb_description\"><p>The liquidity you need depends on your income, taxes, commitments, living costs and planned projects. Money that is invested, pledged or committed to a fund serves a different purpose from accessible cash.<\/p>\n<p>We establish deadlines and safety margins before discussing allocation. Where required, investment advice and financial management are then entrusted to authorised institutions and professionals.<\/p>\n<p><a href=\"https:\/\/sol-fiscal.com\/apres-une-cession-combien-garder-disponible-avant-dinvestir\/\">Selling a business: how much liquidity should you retain before reinvesting?<\/a><\/p>\n<\/div><\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_column_7 et_pb_column et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_12_24 et_flex_column_12_24_tablet et_flex_column_24_24_phone\">\r\n\r\n<div class=\"et_pb_blurb_1 et_pb_blurb et_pb_bg_layout_light et_pb_blurb_position_top et_pb_module et_block_module preset--module--divi-blurb--default\"><div class=\"et_pb_blurb_content\"><div class=\"et_pb_blurb_container\"><h3 class=\"et_pb_module_header\">Give each project its place<\/h3><div class=\"et_pb_blurb_description\"><p>A main home, a property purchase, business expansion, a stake in a company or a transfer to your children each has its own timetable, ownership structure and level of risk.<\/p>\n<p>Putting everything into one company or funding it with the same debt does not always simplify matters. We distinguish personal needs, business operations and investment.<\/p>\n<\/div><\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_column_8 et_pb_column et-last-child et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_12_24 et_flex_column_12_24_tablet et_flex_column_24_24_phone\">\r\n\r\n<div class=\"et_pb_blurb_2 et_pb_blurb et_pb_bg_layout_light et_pb_blurb_position_top et_pb_module et_block_module preset--module--divi-blurb--default\"><div class=\"et_pb_blurb_content\"><div class=\"et_pb_blurb_container\"><h3 class=\"et_pb_module_header\">Keep the flexibility to change your mind<\/h3><div class=\"et_pb_blurb_description\" data-et-mv-hidden-phone=\"true\"><p>An investment should be assessed beyond its advertised return. We review information rights, fees, capital calls, guarantees, exit options, what happens if parties disagree and how long it takes to recover your capital.<\/p>\n<p>&nbsp;<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_row_5 et_pb_row et_flex_row\">\r\n\r\n<div class=\"et_pb_column_9 et_pb_column et-last-child et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_24_24 et_flex_column_24_24_tablet et_flex_column_24_24_phone\">\r\n\r\n<div class=\"et_pb_blurb_3 et_pb_blurb et_pb_bg_layout_light et_pb_blurb_position_top et_pb_module et_block_module preset--module--divi-blurb--default\"><div class=\"et_pb_blurb_content\"><div class=\"et_pb_blurb_container\"><h3 class=\"et_pb_module_header\">Five questions to start with<\/h3><div class=\"et_pb_blurb_description\"><ol>\n<li>How much will you need over the next three years?<\/li>\n<li>Which funds are still subject to tax, corporate or contractual commitments?<\/li>\n<li>Which assets do you want to manage directly, delegate or transfer?<\/li>\n<li>How much of your wealth can remain tied up without putting your other projects at risk?<\/li>\n<li>Who needs to understand the arrangements and be able to take them on with you?<\/li>\n<\/ol>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_section_2 et_pb_section et_section_regular et_block_section\">\r\n\r\n<div class=\"et_pb_row_6 et_pb_row et_block_row\">\r\n\r\n<div class=\"et_pb_column_10 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\">\r\n\r\n<div class=\"et_pb_text_11 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><p>Map the capital<\/p>\n<\/div><\/div>\r\n\r\n<div class=\"et_pb_text_12 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><h2>Not all available euros <br \/>can be used in the same way.<\/h2>\n<\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_row_7 et_pb_row et_flex_row\">\r\n\r\n<div class=\"et_pb_column_11 et_pb_column et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_12_24 et_flex_column_12_24_tablet et_flex_column_24_24_phone\">\r\n\r\n<div class=\"et_pb_text_13 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><p>Before funds move, we trace where they came from and what commitments are attached to them: personal wealth, an operating company, a French holding company, a distribution, sale proceeds, a gift, a loan or a shareholder current account.<\/p>\n<\/div><\/div>\r\n\r\n<div class=\"et_pb_image_1 et_pb_image et_pb_module et_flex_module\"><span class=\"et_pb_image_wrap\"><img decoding=\"async\" src=\"https:\/\/sol-fiscal.com\/wp-content\/uploads\/2026\/10\/apports-restructurations-sol-fiscal.webp\" title=\"apports-restructurations-sol-fiscal\" width=\"1200\" height=\"800\" srcset=\"https:\/\/sol-fiscal.com\/wp-content\/uploads\/2026\/10\/apports-restructurations-sol-fiscal.webp 1200w, https:\/\/sol-fiscal.com\/wp-content\/uploads\/2026\/10\/apports-restructurations-sol-fiscal-980x653.webp 980w, https:\/\/sol-fiscal.com\/wp-content\/uploads\/2026\/10\/apports-restructurations-sol-fiscal-480x320.webp 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1200px, 100vw\" class=\"wp-image-328766\" alt=\"SOL Fiscal works with your advisers on legal, tax and property matters\" \/><\/span><\/div><\/div>\r\n\r\n<div class=\"et_pb_column_12 et_pb_column et-last-child et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_12_24 et_flex_column_12_24_tablet et_flex_column_24_24_phone\">\r\n\r\n<div class=\"et_pb_blurb_4 et_pb_blurb et_pb_bg_layout_light et_pb_blurb_position_top et_pb_module et_flex_module preset--module--divi-blurb--default\"><div class=\"et_pb_blurb_content et_flex_module\"><div class=\"et_pb_blurb_container\"><h3 class=\"et_pb_module_header\">Distinguish economic availability from legal availability<\/h3><div class=\"et_pb_blurb_description\"><p>Cash shown in an account may belong to a company, be earmarked for operations, secure a debt or remain subject to a commitment. A director\u2019s wish to invest does not make it personal capital.<\/p>\n<p>We check who owns the funds, who can make the decision, how the funds can be used and what documents are needed to support the transfer.<\/p>\n<\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_blurb_5 et_pb_blurb et_pb_bg_layout_light et_pb_blurb_position_top et_pb_module et_flex_module preset--module--divi-blurb--default\"><div class=\"et_pb_blurb_content et_flex_module\"><div class=\"et_pb_blurb_container\"><h3 class=\"et_pb_module_header\">Review the tax history before making a new investment<\/h3><div class=\"et_pb_blurb_description\"><p>A share contribution followed by a sale, a tax deferral or suspension, a gift, split ownership or a group transaction can still have consequences. Before any subscription or acquisition, we bring the dates, amounts to track and obligations into the review.<\/p>\n<p>The aim is to make sure the investment decision reflects the full picture of the capital without complicating the project.<\/p>\n<\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_blurb_6 et_pb_blurb et_pb_bg_layout_light et_pb_blurb_position_top et_pb_module et_flex_module preset--module--divi-blurb--default\"><div class=\"et_pb_blurb_content et_flex_module\"><div class=\"et_pb_blurb_container\"><h3 class=\"et_pb_module_header\">Prepare evidence of the source of funds with the bank<\/h3><div class=\"et_pb_blurb_description\"><p>Institutions need to understand the source of funds, the chain of transactions and the beneficial owners. We organise the documents with your advisers and bank contact: legal documents, accounts, decisions, evidence of a sale or distribution, and an explanation of the project.<\/p>\n<p>The bank remains responsible for its checks and its decision. Our role is to make the file clear and consistent.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_section_3 et_pb_section et_section_regular et_block_section sf-hero-cercle\" id=\"organisation\">\r\n\r\n<div class=\"et_pb_row_8 et_pb_row et_block_row\">\r\n\r\n<div class=\"et_pb_column_13 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\">\r\n\r\n<div class=\"et_pb_text_14 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><p>Choose the structure\u00a0<\/p>\n<\/div><\/div>\r\n\r\n<div class=\"et_pb_text_15 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><h2>The company that creates value <br \/>does not necessarily need to hold all your wealth.<\/h2>\n<\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_row_9 et_pb_row et_flex_row\">\r\n\r\n<div class=\"et_pb_column_14 et_pb_column et-last-child et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_3_5 et_flex_column_3_5_tablet et_flex_column_24_24_phone\">\r\n\r\n<div class=\"et_pb_text_16 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><p>A separate wealth structure can ring-fence investment from operations, organise family governance or bring several projects together. Its functions, costs and obligations need to justify its use.<\/p>\n<\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_row_10 et_pb_row et_flex_row\">\r\n\r\n<div class=\"et_pb_column_15 et_pb_column et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_2_5 et_flex_column_2_5_tablet et_flex_column_24_24_phone\">\r\n\r\n<div class=\"et_pb_code_1 et_pb_code et_pb_module\"><div class=\"et_pb_code_inner\"><style>\n.sf-ownership {\n  --sf-ink: #2a2927;\n  --sf-gold: #b2986d;\n  --sf-paper: #fcfbf9;\n  --sf-line: rgba(178, 152, 109, .36);\n\n  width: 100%;\n  max-width: 360px;\n  margin: 0 auto;\n  text-align: center;\n}\n\n.sf-ownership,\n.sf-ownership * {\n  box-sizing: border-box;\n}\n\n.sf-ownership__node {\n  padding: 27px 24px;\n  border: 1px solid var(--sf-line);\n  background: var(--sf-paper);\n  color: var(--sf-ink);\n\n  font-family: Freight, Georgia, serif;\n  font-size: 27px;\n  font-weight: 400;\n  line-height: 1.2;\n  overflow-wrap: break-word;\n}\n\n.sf-ownership__node--focal {\n  background: var(--sf-ink);\n  color: var(--sf-paper);\n  border-color: var(--sf-ink);\n}\n\n.sf-ownership__link {\n  display: block;\n  width: 1px;\n  height: 40px;\n  margin: 0 auto;\n  background: var(--sf-gold);\n}\n\n.sf-ownership__caption {\n  margin-top: 22px;\n  color: var(--sf-ink);\n  font-family: \"DM Sans\", Arial, sans-serif;\n  font-size: 13px;\n  line-height: 1.5;\n}\n\n@media (max-width: 500px) {\n  .sf-ownership__node {\n    padding: 23px 20px;\n    font-size: 24px;\n  }\n\n  .sf-ownership__link {\n    height: 30px;\n  }\n\n  .sf-ownership__caption {\n    margin-top: 18px;\n    font-size: 12px;\n  }\n}\n<\/style>\n\n<figure class=\"sf-ownership\">\n  <div class=\"sf-ownership__node\">\n    You and your family\n  <\/div>\n\n  <span class=\"sf-ownership__link\" aria-hidden=\"true\"><\/span>\n\n  <div class=\"sf-ownership__node\">\n    existing business\n  <\/div>\n\n  <span class=\"sf-ownership__link\" aria-hidden=\"true\"><\/span>\n\n  <div class=\"sf-ownership__node sf-ownership__node--focal\">\n    wealth structure or subsidiary, as needed\n  <\/div>\n\n  <figcaption class=\"sf-ownership__caption\">\n    one of several options\n  <\/figcaption>\n<\/figure><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_column_16 et_pb_column et-last-child et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_3_5 et_flex_column_3_5_tablet et_flex_column_24_24_phone\">\r\n\r\n<div class=\"et_pb_blurb_7 et_pb_blurb et_pb_bg_layout_light et_pb_blurb_position_top et_pb_module et_flex_module preset--module--divi-blurb--default\"><div class=\"et_pb_blurb_content et_flex_module\"><div class=\"et_pb_blurb_container\"><h3 class=\"et_pb_module_header\">Hold assets personally<\/h3><div class=\"et_pb_blurb_description\"><p>Personal ownership can remain the clearest option for some assets. It avoids an additional layer of governance and accounting, but needs to be weighed against financing, liability, transfer and shared ownership needs.<\/p>\n<\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_blurb_8 et_pb_blurb et_pb_bg_layout_light et_pb_blurb_position_top et_pb_module et_flex_module preset--module--divi-blurb--default\"><div class=\"et_pb_blurb_content et_flex_module\"><div class=\"et_pb_blurb_container\"><h3 class=\"et_pb_module_header\">Set up a dedicated asset-holding company<\/h3><div class=\"et_pb_blurb_description\"><p>A company can hold cash, securities, property or a stake in another company. It has its own accounts, contracts, decisions and obligations. You need to establish who funds and runs it, how its assets are used and how capital can be taken out.<\/p>\n<p>Private use of a company asset must be planned for and addressed explicitly. Personal and company expenses remain distinct when the asset is held by a company.<\/p>\n<\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_blurb_9 et_pb_blurb et_pb_bg_layout_light et_pb_blurb_position_top et_pb_module et_flex_module preset--module--divi-blurb--default\"><div class=\"et_pb_blurb_content et_flex_module\"><div class=\"et_pb_blurb_container\"><h3 class=\"et_pb_module_header\">Invest through a French parent company<\/h3><div class=\"et_pb_blurb_description\"><p>A group can keep its parent company in France and <a href=\"https:\/\/sol-fiscal.com\/en\/business-creation-and-group-structuring\/\">create an Andorran subsidiary<\/a> for a specific project. Financing can take the form of equity, a shareholder loan or a documented combination, depending on each company\u2019s interests and the applicable rules.<\/p>\n<p>Where the case calls for it, we work with the accountant, statutory auditor and consolidation teams. Accounting consolidation does not in itself create a French tax consolidation group, and the Andorran subsidiary retains its own obligations.<\/p>\n<\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_blurb_10 et_pb_blurb et_pb_bg_layout_light et_pb_blurb_position_top et_pb_module et_flex_module preset--module--divi-blurb--default\"><div class=\"et_pb_blurb_content et_flex_module\"><div class=\"et_pb_blurb_container\"><h3 class=\"et_pb_module_header\">Avoid setting up a structure by default<\/h3><div class=\"et_pb_blurb_description\"><p>The recommendation may be to keep the existing arrangements, simplify them or set up a single entity. An additional holding company makes sense only if its purpose is understood before incorporation and remains justifiable afterwards.<\/p>\n<\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"difl_advancedbutton_1 difl_advancedbutton et_pb_module\" data-subject=\"Structure patrimoniale\"><a class=\"difl_advanced_button_container media_right dfab_media_slide dfab_mr_left\" data-settings='{\"tooltip_enable\":false,\"disable_on_mobile\":true,\"arrow\":true,\"interactive\":true,\"interactiveBorder\":\"2\",\"interactiveDebounce\":\"0\",\"animation\":\"fade\",\"placement\":\"top\",\"trigger\":\"mouseenter focus\",\"followCursor\":false,\"maxWidth\":\"350\",\"offsetEnable\":false,\"offsetSkidding\":0,\"offsetDistance\":10,\"delay\":300}' data-text=\"\" href=\"#contact-patrimoine\" >\n\t\t\t\t\t\t\t<span class=\"difl_adv_btn_wrapper\">\n\t\t\t\t\t\t\t\t<span class=\"difl_adv_btn_media_wrapper\"><span class=\"et-pb-icon difl_adv_btn_media difl_adv_btn_icon\">&<\/span><\/span>\n\t\t\t\t\t\t\t\t<span class=\"difl_adv_btn_text_wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"difl_adv_btn_text\">Review my wealth structure<\/span>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<span class=\"difl_adv_btn_sub_text\"><\/span> \n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<noscript class=\"difl_advanced_button_tooltip_content\"><\/noscript>\n\t\t\t\t\t\t<\/a><\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_section_4 et_pb_section et_section_regular et_block_section\" id=\"investissements\">\r\n\r\n<div class=\"et_pb_row_11 et_pb_row et_block_row\">\r\n\r\n<div class=\"et_pb_column_17 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\">\r\n\r\n<div class=\"et_pb_text_17 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><p>Investment categories<\/p>\n<\/div><\/div>\r\n\r\n<div class=\"et_pb_text_18 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><h2>Private banking, property and businesses <br \/>Each asset needs a different assessment.<\/h2>\n<\/div>\r\n\r\n<div class=\"et_pb_text_19 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><p>We assess investments by their role in your wealth, their contracts, liquidity, governance and the work they will require after signing, without assuming one category ranks above another.<\/p>\n<\/div><\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_row_12 et_pb_row et_flex_row\">\r\n\r\n<div class=\"et_pb_column_18 et_pb_column et_block_column et_pb_css_mix_blend_mode_passthrough et_flex_column_24_24 et_flex_column_24_24_tablet et_flex_column_24_24_phone sf-bloc-cercle\">\r\n\r\n<div class=\"et_pb_blurb_11 et_pb_blurb et_pb_bg_layout_light et_pb_text_align_center et_pb_blurb_position_top et_pb_module et_block_module preset--module--divi-blurb--default\"><div class=\"et_pb_blurb_content\"><div class=\"et_pb_blurb_container\"><h3 class=\"et_pb_module_header\">Private banking: organise liquidity and investment discussions<\/h3><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_blurb_12 et_pb_blurb et_pb_bg_layout_light et_pb_text_align_center et_pb_blurb_position_top et_pb_module et_block_module preset--module--divi-blurb--default\"><div class=\"et_pb_blurb_content\"><div class=\"et_pb_blurb_container\"><div class=\"et_pb_blurb_description\"><p>A bank can provide custody, offer investment management, finance a project or structure a guarantee. Before choosing an option, check the mandate, instruments, fees, risk level, currencies, exit terms and any pledges.<\/p>\n<p>We prepare the wealth and legal file, compare proposals against your objectives and involve authorised professionals for advice or financial management. Opening an account provides neither tax clearance nor a guarantee of performance.<\/p>\n<\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_text_20 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><p><a class=\"reading-link\" href=\"https:\/\/sol-fiscal.com\/en\/banking-services-in-andorra\/\">banking services in Andorra<span aria-hidden=\"true\">\u2197<\/span><\/a><\/p>\n<\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_column_19 et_pb_column et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough et_flex_column_24_24 et_flex_column_24_24_tablet et_flex_column_24_24_phone sf-bloc-cercle\">\r\n\r\n<div class=\"et_pb_blurb_13 et_pb_blurb et_pb_bg_layout_light et_pb_text_align_center et_pb_blurb_position_top et_pb_module et_block_module preset--module--divi-blurb--default\"><div class=\"et_pb_blurb_content\"><div class=\"et_pb_blurb_container\"><h3 class=\"et_pb_module_header\">Real estate: decide on the use before choosing the vehicle<\/h3><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_blurb_14 et_pb_blurb et_pb_bg_layout_light et_pb_text_align_center et_pb_blurb_position_top et_pb_module et_block_module preset--module--divi-blurb--default\"><div class=\"et_pb_blurb_content\"><div class=\"et_pb_blurb_container\"><div class=\"et_pb_blurb_description\"><p>Living in, letting, building, renovating or reselling a property, or taking part in a development, all involve different contracts and risks. We look at foreign investment approval where applicable, taxation, financing, guarantees, planning timelines, marketing and exit.<\/p>\n<p>The intended use and time horizon guide the choice between personal ownership, a dedicated company or a stake in a transaction. An expected capital gain is no substitute for assessing price, costs, timescales and liquidity.<\/p>\n<\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_text_21 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><p><a class=\"reading-link\" href=\"https:\/\/sol-fiscal.com\/en\/investing-in-real-estate\/\">investing in real estate in Andorra<span aria-hidden=\"true\">\u2197<\/span><\/a><\/p>\n<\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_row_13 et_pb_row et_flex_row\">\r\n\r\n<div class=\"et_pb_column_20 et_pb_column et_block_column et_pb_css_mix_blend_mode_passthrough et_flex_column_24_24 et_flex_column_24_24_tablet et_flex_column_24_24_phone sf-bloc-cercle\">\r\n\r\n<div class=\"et_pb_blurb_15 et_pb_blurb et_pb_bg_layout_light et_pb_text_align_center et_pb_blurb_position_top et_pb_module et_block_module preset--module--divi-blurb--default\"><div class=\"et_pb_blurb_content\"><div class=\"et_pb_blurb_container\"><h3 class=\"et_pb_module_header\">Private equity and direct stakes: invest with clear rights<\/h3><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_blurb_16 et_pb_blurb et_pb_bg_layout_light et_pb_text_align_center et_pb_blurb_position_top et_pb_module et_block_module preset--module--divi-blurb--default\"><div class=\"et_pb_blurb_content\"><div class=\"et_pb_blurb_container\"><div class=\"et_pb_blurb_description\"><p>Taking an equity stake in a company involves more than committing money. We review information rights, reserved matters, dilution, future funding needs, conflicts of interest, governance and exit terms.<\/p>\n<p>For a fund, you need to understand the vehicle, capital calls, term, fees, valuation and transfer options. The label \u2018private equity\u2019 alone tells you neither what you own nor when you can get your money back.<\/p>\n<\/div><\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_column_21 et_pb_column et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough et_flex_column_24_24 et_flex_column_24_24_tablet et_flex_column_24_24_phone sf-bloc-cercle\">\r\n\r\n<div class=\"et_pb_blurb_17 et_pb_blurb et_pb_bg_layout_light et_pb_text_align_center et_pb_blurb_position_top et_pb_module et_block_module preset--module--divi-blurb--default\"><div class=\"et_pb_blurb_content\"><div class=\"et_pb_blurb_container\"><h3 class=\"et_pb_module_header\">Local projects and tailored transactions<\/h3><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_blurb_18 et_pb_blurb et_pb_bg_layout_light et_pb_text_align_center et_pb_blurb_position_top et_pb_module et_block_module preset--module--divi-blurb--default\"><div class=\"et_pb_blurb_content\"><div class=\"et_pb_blurb_container\"><div class=\"et_pb_blurb_description\"><p>Our presence in Andorra helps us understand local players, bring the right people together and assess projects beyond standard products. Availability of any opportunity is never guaranteed.<\/p>\n<p>We examine the sponsor, the economic need, approvals, contracts, financing, guarantees, investor rights and the planned exit. If the file leaves these questions unanswered, the right advice may be to refrain from investing.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_row_14 et_pb_row et_flex_row\">\r\n\r\n<div class=\"et_pb_column_22 et_pb_column et-last-child et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_24_24 et_flex_column_24_24_tablet et_flex_column_24_24_phone\">\r\n\r\n<div class=\"et_pb_text_22 et_pb_text et_pb_bg_layout_light et_pb_module et_flex_module accueil-deco preset--module--divi-text--default\"><div class=\"et_pb_text_inner\" data-et-mv-hidden-phone=\"true\"><p>An opportunity is worth considering only once its rights, <br \/>risks and timetable are clear.<\/p>\n<\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_row_15 et_pb_row et_flex_row\">\r\n\r\n<div class=\"et_pb_column_23 et_pb_column et-last-child et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_24_24 et_flex_column_24_24_tablet et_flex_column_24_24_phone\">\r\n\r\n<div class=\"difl_advancedbutton_2 difl_advancedbutton et_pb_module\" data-subject=\"Relecture d\u2019un projet\"><a class=\"difl_advanced_button_container media_right dfab_media_slide dfab_mr_left\" data-settings='{\"tooltip_enable\":false,\"disable_on_mobile\":true,\"arrow\":true,\"interactive\":true,\"interactiveBorder\":\"2\",\"interactiveDebounce\":\"0\",\"animation\":\"fade\",\"placement\":\"top\",\"trigger\":\"mouseenter focus\",\"followCursor\":false,\"maxWidth\":\"350\",\"offsetEnable\":false,\"offsetSkidding\":0,\"offsetDistance\":10,\"delay\":300}' data-text=\"\" href=\"#contact-patrimoine\" >\n\t\t\t\t\t\t\t<span class=\"difl_adv_btn_wrapper\">\n\t\t\t\t\t\t\t\t<span class=\"difl_adv_btn_media_wrapper\"><span class=\"et-pb-icon difl_adv_btn_media difl_adv_btn_icon\">&<\/span><\/span>\n\t\t\t\t\t\t\t\t<span class=\"difl_adv_btn_text_wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"difl_adv_btn_text\">Request a review of an investment project<\/span>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<span class=\"difl_adv_btn_sub_text\"><\/span> \n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<noscript class=\"difl_advanced_button_tooltip_content\"><\/noscript>\n\t\t\t\t\t\t<\/a><\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_section_5 et_pb_section et_section_regular et_block_section sf-hero-cercle\" id=\"comparaison\">\r\n\r\n<div class=\"et_pb_row_16 et_pb_row et_block_row\">\r\n\r\n<div class=\"et_pb_column_24 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\">\r\n\r\n<div class=\"et_pb_text_23 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><p>Compare the arrangements<\/p>\n<\/div><\/div>\r\n\r\n<div class=\"et_pb_text_24 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><h2>Two arrangements can serve a similar purpose <br \/>while conferring different rights.<\/h2>\n<\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_row_17 et_pb_row et_flex_row\">\r\n\r\n<div class=\"et_pb_column_25 et_pb_column et-last-child et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_3_5 et_flex_column_3_5_tablet et_flex_column_24_24_phone\">\r\n\r\n<div class=\"et_pb_text_25 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><p>An asset-holding company and a Luxembourg life insurance policy can both be considered for diversification or wealth transfer. They serve different functions and are not interchangeable.<\/p>\n<\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_row_18 et_pb_row et_flex_row\">\r\n\r\n<div class=\"et_pb_column_26 et_pb_column et-last-child et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_24_24 et_flex_column_24_24_tablet et_flex_column_24_24_phone\">\r\n\r\n<div class=\"et_pb_code_2 et_pb_code et_pb_module\"><div class=\"et_pb_code_inner\"><style>\n@import url(\"https:\/\/fonts.googleapis.com\/css2?family=DM+Sans:wght@400;500;600;700&display=swap\");\n\n.sf-comparison-wrap {\n  width: 100%;\n  max-width: 100%;\n  min-width: 0;\n  container-type: inline-size;\n\n  \/* Pr\u00e9sentation ordinateur *\/\n  --sf-table-display: table;\n  --sf-head-display: table-header-group;\n  --sf-body-display: table-row-group;\n  --sf-row-display: table-row;\n  --sf-cell-display: table-cell;\n  --sf-label-display: none;\n\n  --sf-question-width: 24%;\n  --sf-question-color: #2a2927;\n  --sf-question-size: 25px;\n  --sf-row-gap: 0;\n  --sf-row-border: 0;\n  --sf-cell-border: 1px solid rgba(178, 152, 109, .36);\n  --sf-cell-padding: 26px 28px;\n}\n\n.sf-comparison-wrap,\n.sf-comparison-wrap *,\n.sf-comparison-wrap *::before,\n.sf-comparison-wrap *::after {\n  box-sizing: border-box;\n}\n\n.sf-comparison-wrap table.sf-comparison {\n  display: var(--sf-table-display) !important;\n  width: 100% !important;\n  max-width: 100% !important;\n  min-width: 0 !important;\n  margin: 0 !important;\n  padding: 0 !important;\n  border: 0 !important;\n  border-collapse: collapse !important;\n  border-spacing: 0 !important;\n  table-layout: fixed;\n  background: transparent !important;\n  color: #2a2927 !important;\n  font-family: \"DM Sans\", Arial, sans-serif;\n  font-size: 16px;\n  line-height: 1.75;\n}\n\n.sf-comparison-wrap .sf-comparison thead {\n  display: var(--sf-head-display) !important;\n}\n\n.sf-comparison-wrap .sf-comparison thead th {\n  padding: 24px 28px !important;\n  border: 1px solid #514e49 !important;\n  background: #2a2927 !important;\n  color: #fcfbf9 !important;\n  -webkit-text-fill-color: #fcfbf9 !important;\n  font-family: \"DM Sans\", Arial, sans-serif;\n  font-size: 13px;\n  font-weight: 600;\n  line-height: 1.6;\n  letter-spacing: .02em;\n  text-align: left;\n  white-space: normal !important;\n  overflow-wrap: anywhere;\n}\n\n.sf-comparison-wrap .sf-comparison thead th:first-child {\n  width: 24%;\n}\n\n.sf-comparison-wrap .sf-comparison tbody {\n  display: var(--sf-body-display) !important;\n  width: 100% !important;\n}\n\n.sf-comparison-wrap .sf-comparison tbody tr {\n  --sf-cell-background: #fcfbf9;\n\n  display: var(--sf-row-display) !important;\n  width: 100% !important;\n  margin: 0 0 var(--sf-row-gap) !important;\n  padding: 0 !important;\n  border: var(--sf-row-border) !important;\n  background: var(--sf-cell-background) !important;\n}\n\n.sf-comparison-wrap .sf-comparison tbody tr:nth-child(even) {\n  --sf-cell-background: #f6f2ec;\n}\n\n.sf-comparison-wrap .sf-comparison tbody tr:last-child {\n  margin-bottom: 0 !important;\n}\n\n.sf-comparison-wrap .sf-comparison tbody td,\n.sf-comparison-wrap .sf-comparison tbody th {\n  display: var(--sf-cell-display) !important;\n  min-width: 0 !important;\n  max-width: 100% !important;\n  height: auto !important;\n  padding: var(--sf-cell-padding) !important;\n  border: var(--sf-cell-border) !important;\n  vertical-align: top;\n  text-align: left;\n  white-space: normal !important;\n  word-break: normal !important;\n  overflow-wrap: anywhere;\n}\n\n.sf-comparison-wrap .sf-comparison tbody td {\n  width: var(--sf-data-width, auto) !important;\n  background: var(--sf-cell-background) !important;\n  color: #2a2927 !important;\n  -webkit-text-fill-color: #2a2927 !important;\n  font-family: \"DM Sans\", Arial, sans-serif;\n  font-size: 16px;\n  font-weight: 400;\n  line-height: 1.75;\n}\n\n.sf-comparison-wrap .sf-comparison tbody th {\n  width: var(--sf-question-width) !important;\n  background: var(--sf-question-background, var(--sf-cell-background)) !important;\n  color: var(--sf-question-color) !important;\n  -webkit-text-fill-color: var(--sf-question-color) !important;\n  font-family: Freight, Georgia, serif;\n  font-size: var(--sf-question-size);\n  font-weight: 400;\n  line-height: 1.25;\n}\n\n\/* Libell\u00e9s visibles seulement dans les cartes *\/\n.sf-comparison-wrap .sf-comparison tbody td::before {\n  content: attr(data-label);\n  display: var(--sf-label-display) !important;\n  margin: 0 0 10px;\n  padding: 0;\n  color: #80633a !important;\n  -webkit-text-fill-color: #80633a !important;\n  font-family: \"DM Sans\", Arial, sans-serif;\n  font-size: 12px;\n  font-weight: 700;\n  line-height: 1.6;\n  letter-spacing: .06em;\n  text-transform: uppercase;\n  white-space: normal;\n}\n\n.sf-comparison-wrap .sf-comparison tbody td + td {\n  border-top: 1px solid rgba(178, 152, 109, .36) !important;\n}\n\n\/* Petit \u00e9cran : passage en cartes *\/\n@media (max-width: 980px) {\n  .sf-comparison-wrap {\n    --sf-table-display: block;\n    --sf-head-display: none;\n    --sf-body-display: block;\n    --sf-row-display: block;\n    --sf-cell-display: block;\n    --sf-label-display: block;\n\n    --sf-question-width: 100%;\n    --sf-data-width: 100%;\n    --sf-question-background: #2a2927;\n    --sf-question-color: #fcfbf9;\n    --sf-question-size: 26px;\n    --sf-row-gap: 22px;\n    --sf-row-border: 1px solid rgba(178, 152, 109, .36);\n    --sf-cell-border: 0;\n    --sf-cell-padding: 22px;\n  }\n}\n\n\/* M\u00eame adaptation dans une colonne Divi \u00e9troite *\/\n@container (max-width: 900px) {\n  .sf-comparison-wrap table.sf-comparison {\n    --sf-table-display: block;\n    --sf-head-display: none;\n    --sf-body-display: block;\n    --sf-row-display: block;\n    --sf-cell-display: block;\n    --sf-label-display: block;\n\n    --sf-question-width: 100%;\n    --sf-data-width: 100%;\n    --sf-question-background: #2a2927;\n    --sf-question-color: #fcfbf9;\n    --sf-question-size: 26px;\n    --sf-row-gap: 22px;\n    --sf-row-border: 1px solid rgba(178, 152, 109, .36);\n    --sf-cell-border: 0;\n    --sf-cell-padding: 22px;\n  }\n}\n\n@media (max-width: 480px) {\n  .sf-comparison-wrap {\n    --sf-cell-padding: 20px 18px;\n    --sf-question-size: 24px;\n    --sf-row-gap: 18px;\n  }\n\n  .sf-comparison-wrap .sf-comparison tbody td {\n    font-size: 16px;\n    line-height: 1.7;\n  }\n}\n<\/style>\n\n<div class=\"sf-comparison-wrap\">\n  <table class=\"sf-comparison\" role=\"table\" aria-label=\"Comparison of an asset-holding company and Luxembourg life insurance\">\n\n    <thead role=\"rowgroup\">\n      <tr role=\"row\">\n        <th scope=\"col\" role=\"columnheader\">Question<\/th>\n        <th scope=\"col\" role=\"columnheader\">Asset-holding company<\/th>\n        <th scope=\"col\" role=\"columnheader\">Luxembourg life insurance<\/th>\n      <\/tr>\n    <\/thead>\n\n    <tbody role=\"rowgroup\">\n      <tr role=\"row\">\n        <th scope=\"row\" role=\"rowheader\">Who holds the assets?<\/th>\n\n        <td role=\"cell\" data-label=\"Asset-holding company\">\n          The company holds the assets on its balance sheet. The shareholder holds shares in the company.\n        <\/td>\n\n        <td role=\"cell\" data-label=\"Luxembourg life insurance\">\n          The insurer bears the contractual obligations, and the assets backing them are subject to insurance rules.\n        <\/td>\n      <\/tr>\n\n      <tr role=\"row\">\n        <th scope=\"row\" role=\"rowheader\">Who makes the decisions?<\/th>\n\n        <td role=\"cell\" data-label=\"Asset-holding company\">\n          The corporate bodies decide in line with the articles of association, their powers and the company\u2019s interests.\n        <\/td>\n\n        <td role=\"cell\" data-label=\"Luxembourg life insurance\">\n          Choices depend on the policy, the management arrangement, the insurer, the custodian and the rules governing the investment options.\n        <\/td>\n      <\/tr>\n\n      <tr role=\"row\">\n        <th scope=\"row\" role=\"rowheader\">What ongoing work is required?<\/th>\n\n        <td role=\"cell\" data-label=\"Asset-holding company\">\n          Separate accounting, corporate decisions, contracts, filings and governance.\n        <\/td>\n\n        <td role=\"cell\" data-label=\"Luxembourg life insurance\">\n          Contractual and regulatory oversight of the product, with fees and reporting as set out in the policy.\n        <\/td>\n      <\/tr>\n\n      <tr role=\"row\">\n        <th scope=\"row\" role=\"rowheader\">What protection applies?<\/th>\n\n        <td role=\"cell\" data-label=\"Asset-holding company\">\n          Company law, contracts, security interests and legal separation of assets, depending on the structure chosen.\n        <\/td>\n\n        <td role=\"cell\" data-label=\"Luxembourg life insurance\">\n          Luxembourg law provides, among other things, for the deposit of backing assets and a segregated pool earmarked on a preferential basis for insurance claims. This protection does not guarantee the value of the investments.\n        <\/td>\n      <\/tr>\n\n      <tr role=\"row\">\n        <th scope=\"row\" role=\"rowheader\">How does wealth transfer work?<\/th>\n\n        <td role=\"cell\" data-label=\"Asset-holding company\">\n          The shares or assets are transferred under the relevant civil and tax rules.\n        <\/td>\n\n        <td role=\"cell\" data-label=\"Luxembourg life insurance\">\n          The beneficiary clause and the policy\u2019s treatment must be assessed in light of the residence of the policyholder and beneficiaries. These features do not automatically override foreign taxes.\n        <\/td>\n      <\/tr>\n\n      <tr role=\"row\">\n        <th scope=\"row\" role=\"rowheader\">What can it be used for?<\/th>\n\n        <td role=\"cell\" data-label=\"Asset-holding company\">\n          Direct asset acquisition, business governance, real estate, stakes in companies or investments decided by the company within its corporate purpose.\n        <\/td>\n\n        <td role=\"cell\" data-label=\"Luxembourg life insurance\">\n          Investment within the contractual universe accepted by the insurer and under the rules applicable to the product.\n        <\/td>\n      <\/tr>\n    <\/tbody>\n\n  <\/table>\n<\/div><\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_row_19 et_pb_row et_flex_row\">\r\n\r\n<div class=\"et_pb_column_27 et_pb_column et-last-child et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_16_24 et_flex_column_16_24_tablet et_flex_column_24_24_phone\">\r\n\r\n<div class=\"et_pb_text_26 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><p>We compare these arrangements against your residence, source of capital, asset type, desired governance, costs, liquidity and wealth transfer plans. The insurer, custodian bank and authorised professionals deal with the policy and investment options. The firm coordinates the legal, tax and wealth analysis with them.<\/p>\n<\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_row_20 et_pb_row et_flex_row\">\r\n\r\n<div class=\"et_pb_column_28 et_pb_column et-last-child et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_3_5 et_flex_column_3_5_tablet et_flex_column_24_24_phone\">\r\n\r\n<div class=\"et_pb_text_27 et_pb_text et_pb_bg_layout_light et_pb_module et_flex_module preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><p>Luxembourg\u2019s mechanisms for protecting insurance claims guarantee neither returns nor full repayment of capital. The policy, investment options and market risk still need to be assessed.<\/p>\n<\/div><\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_section_6 et_pb_section et_section_regular et_block_section\" id=\"analyse-risques\">\r\n\r\n<div class=\"et_pb_row_21 et_pb_row et_block_row\">\r\n\r\n<div class=\"et_pb_column_29 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\">\r\n\r\n<div class=\"et_pb_text_28 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><p>Financing and liquidity<\/p>\n<\/div><\/div>\r\n\r\n<div class=\"et_pb_text_29 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module preset--module--divi-text--default\"><div class=\"et_pb_text_inner\" data-et-mv-hidden-phone=\"true\"><h2>Financing can accelerate a project. <br \/>It can also reduce your flexibility.<\/h2>\n<\/div><\/div>\r\n\r\n<div class=\"et_pb_code_3 et_pb_code et_pb_module\"><div class=\"et_pb_code_inner\"><style>\n.sf-finance-diagram {\n  --sf-ink: #2a2927;\n  --sf-gold: #b2986d;\n  --sf-paper: #fcfbf9;\n\n  width: 100%;\n  margin: 0;\n  padding: 35px 28px;\n  border: 1px solid rgba(178, 152, 109, .33);\n  background: transparent;\n  color: var(--sf-paper);\n  font-family: \"DM Sans\", Arial, sans-serif;\n}\n\n.sf-finance-diagram,\n.sf-finance-diagram * {\n  box-sizing: border-box;\n}\n\n.sf-finance-diagram__row {\n  display: grid;\n  grid-template-columns: minmax(0, 1fr) 150px minmax(0, 1fr);\n  gap: 40px;\n  align-items: center;\n}\n\n.sf-finance-diagram__side {\n  min-width: 0;\n}\n\n.sf-finance-diagram__side--possibilities {\n  text-align: right;\n}\n\n.sf-finance-diagram__label {\n  margin: 0 0 15px;\n  padding: 0;\n  color: #d3b78b;\n  font-size: 12px;\n  font-weight: 400;\n  line-height: 1.6;\n  letter-spacing: .06em;\n  text-transform: uppercase;\n}\n\n.sf-finance-diagram ul {\n  margin: 0;\n  padding: 0;\n  list-style: none;\n}\n\n.sf-finance-diagram li {\n  margin: 0;\n  padding: 8px 0;\n  border: 0;\n  color: var(--sf-paper);\n  font-size: 16px;\n  line-height: 1.45;\n  overflow-wrap: break-word;\n}\n\n.sf-finance-diagram li::marker {\n  content: \"\";\n}\n\n\/* Cercle central *\/\n.sf-finance-diagram__center {\n  position: relative;\n  display: flex;\n  flex-direction: column;\n  align-items: center;\n  justify-content: center;\n\n  width: 150px;\n  height: 150px;\n  margin: 10px auto;\n  padding: 18px;\n  border-radius: 50%;\n  background: var(--sf-paper);\n  color: var(--sf-ink);\n  text-align: center;\n}\n\n.sf-finance-diagram__title {\n  font-family: Freight, Georgia, serif;\n  font-size: 28px;\n  font-weight: 400;\n  line-height: 1.15;\n}\n\n.sf-finance-diagram__subtitle {\n  margin-top: 12px;\n  color: #80633a;\n  font-size: 10px;\n  line-height: 1.5;\n  letter-spacing: .1em;\n  text-transform: uppercase;\n}\n\n\/* Anneau anim\u00e9, sans traits de liaison *\/\n.sf-finance-diagram__center::before {\n  content: \"\";\n  position: absolute;\n  inset: -10px;\n  border: 1px solid rgba(178, 152, 109, .27);\n  border-top-color: var(--sf-gold);\n  border-right-color: var(--sf-gold);\n  border-radius: 50%;\n  pointer-events: none;\n  animation: sfFinanceRing 35s linear infinite;\n}\n\n.sf-finance-diagram__caption {\n  margin: 30px 0 0;\n  padding: 25px 0 0;\n  border-top: 1px solid rgba(178, 152, 109, .25);\n  color: #eadac1;\n  font-family: Freight, Georgia, serif;\n  font-size: 27px;\n  font-weight: 400;\n  line-height: 1.25;\n  text-align: center;\n}\n\n@keyframes sfFinanceRing {\n  to {\n    transform: rotate(360deg);\n  }\n}\n\n\/* Adaptation \u00e0 la largeur du module Divi *\/\n.sf-finance-container {\n  width: 100%;\n  min-width: 0;\n  container-type: inline-size;\n}\n\n@container (max-width: 850px) {\n  .sf-finance-diagram__row {\n    grid-template-columns: minmax(0, 1fr) 130px minmax(0, 1fr);\n    gap: 25px;\n  }\n\n  .sf-finance-diagram__center {\n    width: 130px;\n    height: 130px;\n  }\n\n  .sf-finance-diagram__title {\n    font-size: 25px;\n  }\n}\n\n@container (max-width: 620px) {\n  .sf-finance-diagram {\n    padding: 30px 24px;\n  }\n\n  .sf-finance-diagram__row {\n    grid-template-columns: 1fr;\n    gap: 28px;\n  }\n\n  .sf-finance-diagram__center {\n    grid-row: 1;\n    width: 145px;\n    height: 145px;\n    margin: 10px auto 15px;\n  }\n\n  .sf-finance-diagram__side--possibilities {\n    text-align: left;\n  }\n\n  .sf-finance-diagram__caption {\n    font-size: 25px;\n  }\n}\n\n\/* Responsive mobile \u00e9galement bas\u00e9 sur l\u2019\u00e9cran *\/\n@media (max-width: 700px) {\n  .sf-finance-diagram {\n    padding: 30px 24px;\n  }\n\n  .sf-finance-diagram__row {\n    grid-template-columns: 1fr;\n    gap: 28px;\n  }\n\n  .sf-finance-diagram__center {\n    grid-row: 1;\n    width: 145px;\n    height: 145px;\n    margin: 10px auto 15px;\n  }\n\n  .sf-finance-diagram__side--possibilities {\n    text-align: left;\n  }\n\n  .sf-finance-diagram__title {\n    font-size: 25px;\n  }\n\n  .sf-finance-diagram__caption {\n    font-size: 25px;\n  }\n}\n\n@media (prefers-reduced-motion: reduce) {\n  .sf-finance-diagram__center::before {\n    animation: none;\n  }\n}\n<\/style>\n\n<div class=\"sf-finance-container\">\n  <figure class=\"sf-finance-diagram\">\n    <div class=\"sf-finance-diagram__row\">\n\n      <div class=\"sf-finance-diagram__side sf-finance-diagram__side--possibilities\">\n        <p class=\"sf-finance-diagram__label\">\n          What financing makes possible\n        <\/p>\n\n        <ul>\n          <li>Acquire assets<\/li>\n          <li>Develop<\/li>\n          <li>Retain liquidity<\/li>\n        <\/ul>\n      <\/div>\n\n      <div class=\"sf-finance-diagram__center\">\n        <span class=\"sf-finance-diagram__title\">\n          Your project\n        <\/span>\n        <span class=\"sf-finance-diagram__subtitle\">\n          Financing\n        <\/span>\n      <\/div>\n\n      <div class=\"sf-finance-diagram__side\">\n        <p class=\"sf-finance-diagram__label\">\n          What it commits you to\n        <\/p>\n\n        <ul>\n          <li>Repay the debt<\/li>\n          <li>Provide guarantees<\/li>\n          <li>Meet deadlines<\/li>\n        <\/ul>\n      <\/div>\n\n    <\/div>\n\n    <figcaption class=\"sf-finance-diagram__caption\">\n      How much flexibility remains after financing?\n    <\/figcaption>\n  <\/figure>\n<\/div><\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_row_22 et_pb_row et_flex_row\">\r\n\r\n<div class=\"et_pb_column_30 et_pb_column et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_2_5 et_flex_column_2_5_tablet et_flex_column_24_24_phone\">\r\n\r\n<div class=\"et_pb_blurb_19 et_pb_blurb et_pb_bg_layout_light et_pb_blurb_position_top et_pb_module et_flex_module preset--module--divi-blurb--default\"><div class=\"et_pb_blurb_content et_flex_module\"><div class=\"et_pb_blurb_container\"><div class=\"et_pb_blurb_description\"><p>A property loan, a shareholder loan, bank financing or a portfolio-backed loan changes income flows and the risks to your wealth.<\/p>\n<\/div><\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_column_31 et_pb_column et-last-child et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_3_5 et_flex_column_3_5_tablet et_flex_column_24_24_phone\">\r\n\r\n<div class=\"et_pb_blurb_20 et_pb_blurb et_pb_bg_layout_light et_pb_blurb_position_top et_pb_module et_flex_module preset--module--divi-blurb--default\"><div class=\"et_pb_blurb_content et_flex_module\"><div class=\"et_pb_blurb_container\"><h3 class=\"et_pb_module_header\">Understand what secures the debt<\/h3><div class=\"et_pb_blurb_description\"><p>We identify the borrower, guarantor, pledged assets, ratios to maintain, early repayment triggers and the bank\u2019s rights. Financing at company level can put the company\u2019s assets at risk. A personal guarantee changes the balance again.<\/p>\n<\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_blurb_21 et_pb_blurb et_pb_bg_layout_light et_pb_blurb_position_top et_pb_module et_flex_module preset--module--divi-blurb--default\"><div class=\"et_pb_blurb_content et_flex_module\"><div class=\"et_pb_blurb_container\"><h3 class=\"et_pb_module_header\">Stress-test a less favourable scenario<\/h3><div class=\"et_pb_blurb_description\"><p>A drop in value, margin call, construction delay, deferred distribution or further capital call can all arise. The plan needs to remain clear when things do not go as expected.<\/p>\n<p>We assess these scenarios against available cash and your other projects. The financing chosen must remain compatible with your ability to wait, refinance or exit.<\/p>\n<\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_blurb_22 et_pb_blurb et_pb_bg_layout_light et_pb_blurb_position_top et_pb_module et_flex_module preset--module--divi-blurb--default\"><div class=\"et_pb_blurb_content et_flex_module\"><div class=\"et_pb_blurb_container\"><h3 class=\"et_pb_module_header\">Keep the flows understandable<\/h3><div class=\"et_pb_blurb_description\"><p>Equity, shareholder loans, interest, dividends, repayments and personal expenses serve different purposes. The decisions, contracts and accounting entries should all reflect the same transaction.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_section_7 et_pb_section et_section_regular et_block_section sf-hero-cercle\" id=\"methode\">\r\n\r\n<div class=\"et_pb_row_23 et_pb_row et_block_row\">\r\n\r\n<div class=\"et_pb_column_32 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\">\r\n\r\n<div class=\"et_pb_text_30 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><p>How decisions are made<\/p>\n<\/div><\/div>\r\n\r\n<div class=\"et_pb_text_31 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><h2>To make a decision, you need a clear map, <br \/>rather than a pile of brochures.<\/h2>\n<\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_row_24 et_pb_row et_flex_row\">\r\n\r\n<div class=\"et_pb_column_33 et_pb_column et-last-child et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_24_24 et_flex_column_24_24_tablet et_flex_column_24_24_phone\">\r\n\r\n<div class=\"et_pb_code_4 et_pb_code et_pb_module\"><div class=\"et_pb_code_inner\"><style>\n.sf-method {\n  --sf-ink: #2a2927;\n  --sf-gold: #b2986d;\n  --sf-paper: #fcfbf9;\n  --sf-soft: #f2eee7;\n  --sf-line: rgba(178, 152, 109, .36);\n\n  width: 100%;\n  max-width: 1100px;\n  margin: 0 auto;\n  color: var(--sf-ink);\n  font-family: \"DM Sans\", Arial, sans-serif;\n  container-type: inline-size;\n}\n\n.sf-method,\n.sf-method * {\n  box-sizing: border-box;\n}\n\n.sf-method__steps {\n  position: relative;\n  display: grid;\n  grid-template-columns: minmax(0, 1fr) minmax(0, 1fr);\n  column-gap: 95px;\n  row-gap: 30px;\n  margin: 0 !important;\n  padding: 0 !important;\n  list-style: none !important;\n}\n\n.sf-method__steps::before {\n  content: \"\";\n  position: 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{\n  right: 100%;\n  left: auto;\n}\n\n\/* Point sur la frise *\/\n.sf-method__dot {\n  position: absolute;\n  top: 28px;\n  left: calc(100% + 41px);\n  width: 13px;\n  height: 13px;\n  border: 3px solid var(--sf-paper);\n  border-radius: 50%;\n  background: var(--sf-gold);\n  box-shadow: 0 0 0 1px var(--sf-gold);\n}\n\n.sf-method__step:nth-child(even) .sf-method__dot {\n  right: calc(100% + 41px);\n  left: auto;\n}\n\n.sf-method .sf-method__title {\n  margin: 0 0 22px;\n  padding: 0;\n  color: var(--sf-ink);\n  font-family: Freight, Georgia, serif;\n  font-size: 29px;\n  font-weight: 400;\n  line-height: 1.2;\n}\n\n.sf-method .sf-method__description,\n.sf-method .sf-method__deliverable p {\n  margin: 0;\n  padding: 0;\n  color: var(--sf-ink);\n  font-family: \"DM Sans\", Arial, sans-serif;\n  font-size: 16px;\n  line-height: 1.8;\n  overflow-wrap: break-word;\n}\n\n.sf-method__deliverable {\n  margin-top: 22px;\n  padding: 22px 25px;\n  background: 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0 !important;\n  }\n\n  .sf-method__step::after,\n  .sf-method__step:nth-child(even)::after {\n    right: 100%;\n    left: auto;\n    width: 25px;\n  }\n\n  .sf-method__dot,\n  .sf-method__step:nth-child(even) .sf-method__dot {\n    right: calc(100% + 19px);\n    left: auto;\n  }\n\n  .sf-method .sf-method__title {\n    font-size: 26px;\n  }\n\n  .sf-method__deliverable {\n    padding: 20px;\n  }\n}\n\n\/* Mobile *\/\n@media (max-width: 700px) {\n  .sf-method__steps {\n    display: block;\n    padding-left: 25px !important;\n  }\n\n  .sf-method__steps::before {\n    left: 0;\n  }\n\n  .sf-method__step {\n    margin-bottom: 25px !important;\n    padding: 25px !important;\n  }\n\n  .sf-method__step:last-child {\n    margin-bottom: 0 !important;\n  }\n\n  .sf-method__step::after,\n  .sf-method__step:nth-child(even)::after {\n    right: 100%;\n    left: auto;\n    width: 25px;\n  }\n\n  .sf-method__dot,\n  .sf-method__step:nth-child(even) .sf-method__dot {\n    right: calc(100% + 19px);\n    left: auto;\n  }\n\n  .sf-method .sf-method__title {\n    font-size: 26px;\n  }\n\n  .sf-method__deliverable {\n    padding: 20px;\n  }\n}\n\n@media (max-width: 400px) {\n  .sf-method__step {\n    padding: 22px 18px !important;\n  }\n\n  .sf-method .sf-method__title {\n    font-size: 24px;\n  }\n\n  .sf-method__deliverable {\n    padding: 18px;\n  }\n}\n\n@media (prefers-reduced-motion: reduce) {\n  .sf-method__step.sf-method__step--entering {\n    animation: none;\n  }\n}\n<\/style>\n\n<div class=\"sf-method\">\n  <ol class=\"sf-method__steps\" aria-label=\"The five stages of decision-making\">\n\n    <li class=\"sf-method__step\">\n      <span class=\"sf-method__dot\" aria-hidden=\"true\"><\/span>\n\n      <h3 class=\"sf-method__title\">1. Map the capital<\/h3>\n\n      <p class=\"sf-method__description\">\n        Owner, source, availability, commitments, debts and deadlines.\n      <\/p>\n\n      <div class=\"sf-method__deliverable\">\n        <span class=\"sf-method__deliverable-label\">\n          What you receive\n        <\/span>\n        <p>A wealth map and a checklist of useful documents.<\/p>\n      <\/div>\n    <\/li>\n\n    <li class=\"sf-method__step\">\n      <span class=\"sf-method__dot\" aria-hidden=\"true\"><\/span>\n\n      <h3 class=\"sf-method__title\">2. Define the objectives<\/h3>\n\n      <p class=\"sf-method__description\">\n        Liquidity, income, projects, family governance, time horizon and wealth transfer.\n      <\/p>\n\n      <div class=\"sf-method__deliverable\">\n        <span class=\"sf-method__deliverable-label\">\n          What you receive\n        <\/span>\n        <p>A ranking of needs and criteria for making the decision.<\/p>\n      <\/div>\n    <\/li>\n\n    <li class=\"sf-method__step\">\n      <span class=\"sf-method__dot\" aria-hidden=\"true\"><\/span>\n\n      <h3 class=\"sf-method__title\">3. Compare the arrangements<\/h3>\n\n      <p class=\"sf-method__description\">\n        Personal ownership, a company, private banking, insurance, real estate, funds or a direct stake.\n      <\/p>\n\n      <div class=\"sf-method__deliverable\">\n        <span class=\"sf-method__deliverable-label\">\n          What you receive\n        <\/span>\n        <p>\n          An options paper covering rights, costs, constraints, taxation and points still to confirm.\n        <\/p>\n      <\/div>\n    <\/li>\n\n    <li class=\"sf-method__step\">\n      <span class=\"sf-method__dot\" aria-hidden=\"true\"><\/span>\n\n      <h3 class=\"sf-method__title\">4. Review the project<\/h3>\n\n      <p class=\"sf-method__description\">\n        Parties involved, approvals, contracts, financing, guarantees, conflicts and exit.\n      <\/p>\n\n      <div class=\"sf-method__deliverable\">\n        <span class=\"sf-method__deliverable-label\">\n          What you receive\n        <\/span>\n        <p>\n          A due diligence checklist, allocation of responsibilities and versions of the documents reviewed.\n        <\/p>\n      <\/div>\n    <\/li>\n\n    <li class=\"sf-method__step\">\n      <span class=\"sf-method__dot\" aria-hidden=\"true\"><\/span>\n\n      <h3 class=\"sf-method__title\">5. Implement and follow up<\/h3>\n\n      <p class=\"sf-method__description\">\n        Decisions, fund movements, accounting, filings and future events.\n      <\/p>\n\n      <div class=\"sf-method__deliverable\">\n        <span class=\"sf-method__deliverable-label\">\n          What you receive\n        <\/span>\n        <p>\n          A schedule working back from the target date, a final file and the follow-up timetable agreed for the engagement.\n        <\/p>\n      <\/div>\n    <\/li>\n\n  <\/ol>\n<\/div>\n\n<script>\n(() => {\n  function initSfMethod() {\n    if (\n      !(\"IntersectionObserver\" in window) ||\n      window.matchMedia(\"(prefers-reduced-motion: reduce)\").matches\n    ) {\n      return;\n    }\n\n    document.querySelectorAll(\".sf-method\").forEach(root => {\n      if (root.dataset.sfMethodReady === \"true\") return;\n      root.dataset.sfMethodReady = \"true\";\n\n      const observer = new IntersectionObserver(entries => {\n        entries.forEach(entry => {\n          if (!entry.isIntersecting) return;\n\n          entry.target.classList.add(\"sf-method__step--entering\");\n          observer.unobserve(entry.target);\n        });\n      }, {\n        threshold: 0.1\n      });\n\n      root.querySelectorAll(\".sf-method__step\").forEach(step => {\n        observer.observe(step);\n      });\n    });\n  }\n\n  if (document.readyState === \"loading\") {\n    document.addEventListener(\"DOMContentLoaded\", initSfMethod, { once: true });\n  } else {\n    initSfMethod();\n  }\n})();\n<\/script><\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_row_25 et_pb_row et_flex_row\">\r\n\r\n<div class=\"et_pb_column_34 et_pb_column et-last-child et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_16_24 et_flex_column_16_24_tablet et_flex_column_24_24_phone\">\r\n\r\n<div class=\"et_pb_text_32 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><p>Fees reflect the work actually required: scoping, analysis, coordination, legal documents and follow-up. If a meeting and a note are enough, the engagement should stay at that level. If several countries, advisers, banks or investments need to be coordinated, the scope and budget are set before work proceeds.<\/p>\n<\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_row_26 et_pb_row et_flex_row\">\r\n\r\n<div class=\"et_pb_column_35 et_pb_column et-last-child et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_24_24 et_flex_column_24_24_tablet et_flex_column_24_24_phone\">\r\n\r\n<div class=\"et_pb_text_33 et_pb_text et_pb_bg_layout_light et_pb_module et_flex_module accueil-deco preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><p>Our fees should translate into clearer decisions, <br \/>usable documents and more time for your projects.<\/p>\n<\/div><\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_section_8 et_pb_section et_section_regular et_block_section\" id=\"vos-conseils\">\r\n\r\n<div class=\"et_pb_row_27 et_pb_row et_block_row\">\r\n\r\n<div class=\"et_pb_column_36 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\">\r\n\r\n<div class=\"et_pb_text_34 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><p>Working with your existing advisers<\/p>\n<\/div><\/div>\r\n\r\n<div class=\"et_pb_text_35 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module preset--module--divi-text--default\"><div class=\"et_pb_text_inner\" data-et-mv-hidden-phone=\"true\"><h2>Your lawyer, accountant, notary <br \/>and banker can all stay involved.<\/h2>\n<\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_row_28 et_pb_row et_flex_row\">\r\n\r\n<div class=\"et_pb_column_37 et_pb_column et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_12_24 et_flex_column_12_24_tablet et_flex_column_24_24_phone\">\r\n\r\n<div class=\"et_pb_text_36 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><p>They know your wealth history, earlier transactions and outstanding commitments. We can assess the project with them and then carry out the work entrusted to us in Andorra.<\/p>\n<\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_column_38 et_pb_column et-last-child et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_12_24 et_flex_column_12_24_tablet et_flex_column_24_24_phone\">\r\n\r\n<div class=\"et_pb_code_5 et_pb_code et_pb_module\"><div class=\"et_pb_code_inner\"><style>\n.sf-advisers {\n  --sf-ink: #2a2927;\n  --sf-gold: #b2986d;\n  --sf-paper: #fcfbf9;\n  --sf-line: rgba(178, 152, 109, .36);\n\n  width: 100%;\n  max-width: 620px;\n  margin: 0 auto;\n  font-family: \"DM Sans\", Arial, sans-serif;\n  color: var(--sf-ink);\n  container-type: inline-size;\n}\n\n.sf-advisers,\n.sf-advisers * {\n  box-sizing: border-box;\n}\n\n.sf-advisers__map {\n  display: grid;\n  grid-template-columns: minmax(0, 1fr) 150px minmax(0, 1fr);\n  gap: 20px;\n  align-items: center;\n}\n\n.sf-advisers__group {\n  display: grid;\n  gap: 18px;\n  min-width: 0;\n}\n\n.sf-advisers__node {\n  display: flex;\n  align-items: center;\n  justify-content: center;\n  min-height: 76px;\n  padding: 18px 12px;\n  border: 1px solid var(--sf-line);\n  background: var(--sf-paper);\n\n  font-size: 14px;\n  font-weight: 400;\n  line-height: 1.4;\n  text-align: center;\n  overflow-wrap: break-word;\n}\n\n\/* Espace r\u00e9serv\u00e9 au cercle et \u00e0 son anneau *\/\n.sf-advisers__center-space {\n  display: flex;\n  align-items: center;\n  justify-content: center;\n  width: 150px;\n  min-height: 160px;\n}\n\n.sf-advisers__center {\n  position: relative;\n  display: flex;\n  align-items: center;\n  justify-content: center;\n\n  width: 125px;\n  height: 125px;\n  flex: 0 0 125px;\n  padding: 15px;\n  border-radius: 50%;\n  background: var(--sf-ink);\n  color: #fff;\n\n  font-family: Freight, Georgia, serif;\n  font-size: 23px;\n  font-weight: 400;\n  line-height: 1.15;\n  text-align: center;\n}\n\n.sf-advisers__center::before,\n.sf-advisers__center::after {\n  content: \"\";\n  position: absolute;\n  inset: -9px;\n  border-radius: 50%;\n  pointer-events: none;\n}\n\n.sf-advisers__center::before {\n  border: 1px solid var(--sf-line);\n}\n\n.sf-advisers__center::after {\n  border: 1px solid transparent;\n  border-top-color: var(--sf-gold);\n  border-right-color: var(--sf-gold);\n  animation: sfAdvisersOrbit 35s linear infinite;\n}\n\n.sf-advisers__caption {\n  margin: 24px 0 0;\n  padding: 0;\n  color: #80633a;\n  font-size: 11px;\n  line-height: 1.6;\n  letter-spacing: .05em;\n  text-align: center;\n}\n\n@keyframes sfAdvisersOrbit {\n  to {\n    transform: rotate(360deg);\n  }\n}\n\n\/* Colonne Divi \u00e9troite *\/\n@container (max-width: 480px) {\n  .sf-advisers__map {\n    grid-template-columns: minmax(0, 1fr) minmax(0, 1fr);\n    gap: 22px 16px;\n  }\n\n  .sf-advisers__center-space {\n    grid-column: 1 \/ -1;\n    grid-row: 1;\n    width: 100%;\n    min-height: 155px;\n  }\n\n  .sf-advisers__group {\n    gap: 16px;\n  }\n\n  .sf-advisers__node {\n    min-height: 72px;\n    font-size: 13px;\n  }\n}\n\n\/* T\u00e9l\u00e9phone *\/\n@media (max-width: 500px) {\n  .sf-advisers__map {\n    grid-template-columns: minmax(0, 1fr) minmax(0, 1fr);\n    gap: 22px 16px;\n  }\n\n  .sf-advisers__center-space {\n    grid-column: 1 \/ -1;\n    grid-row: 1;\n    width: 100%;\n    min-height: 155px;\n  }\n\n  .sf-advisers__group {\n    gap: 16px;\n  }\n\n  .sf-advisers__node {\n    min-height: 72px;\n    font-size: 13px;\n  }\n}\n\n@media (prefers-reduced-motion: reduce) {\n  .sf-advisers__center::after {\n    animation: none;\n  }\n}\n<\/style>\n\n<div class=\"sf-advisers\">\n  <div class=\"sf-advisers__map\">\n\n    <div class=\"sf-advisers__group\">\n      <div class=\"sf-advisers__node\">Your lawyer<\/div>\n      <div class=\"sf-advisers__node\">Your notary<\/div>\n    <\/div>\n\n    <div class=\"sf-advisers__center-space\">\n      <div class=\"sf-advisers__center\">\n        You and your project\n      <\/div>\n    <\/div>\n\n    <div class=\"sf-advisers__group\">\n      <div class=\"sf-advisers__node\">Your accountant<\/div>\n      <div class=\"sf-advisers__node\">Your banker<\/div>\n    <\/div>\n\n  <\/div>\n\n  <p class=\"sf-advisers__caption\">\n    SOL Fiscal \u00b7 Coordination\n  <\/p>\n<\/div><\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_row_29 et_pb_row et_flex_row\">\r\n\r\n<div class=\"et_pb_column_39 et_pb_column et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_12_24 et_flex_column_12_24_tablet et_flex_column_24_24_phone\">\r\n\r\n<div class=\"et_pb_blurb_23 et_pb_blurb et_pb_bg_layout_light et_pb_blurb_position_top et_pb_module et_block_module preset--module--divi-blurb--default\"><div class=\"et_pb_blurb_content\"><div class=\"et_pb_blurb_container\"><h3 class=\"et_pb_module_header\">Share the information each professional needs<\/h3><div class=\"et_pb_blurb_description\"><p>With your agreement, we establish what each professional needs. Professional confidentiality, profession-specific rules and conflicts-of-interest checks still apply.<\/p>\n<\/div><\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_column_40 et_pb_column et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_12_24 et_flex_column_12_24_tablet et_flex_column_24_24_phone\">\r\n\r\n<div class=\"et_pb_blurb_24 et_pb_blurb et_pb_bg_layout_light et_pb_blurb_position_top et_pb_module et_block_module preset--module--divi-blurb--default\"><div class=\"et_pb_blurb_content\"><div class=\"et_pb_blurb_container\"><h3 class=\"et_pb_module_header\">Assign responsibility for each approval<\/h3><div class=\"et_pb_blurb_description\"><p>The firm can manage the timetable and bring in its partners in France. Your existing advisers can contribute to the French opinion, legal documents, accounting, audit, financial management or wealth transfer. You know who prepares, who checks and who decides.<\/p>\n<\/div><\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_column_41 et_pb_column et-last-child et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_12_24 et_flex_column_12_24_tablet et_flex_column_24_24_phone\">\r\n\r\n<div class=\"et_pb_blurb_25 et_pb_blurb et_pb_bg_layout_light et_pb_blurb_position_top et_pb_module et_block_module preset--module--divi-blurb--default\"><div class=\"et_pb_blurb_content\"><div class=\"et_pb_blurb_container\"><h3 class=\"et_pb_module_header\">Share working practices<\/h3><div class=\"et_pb_blurb_description\"><p>We share methods, points of friction and relevant public positions. Lessons from other transactions are general and do not identify the parties. We always reassess a solution used elsewhere before proposing it.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_row_30 et_pb_row et_flex_row\">\r\n\r\n<div class=\"et_pb_column_42 et_pb_column et-last-child et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_24_24 et_flex_column_24_24_tablet et_flex_column_24_24_phone\">\r\n\r\n<div class=\"et_pb_group_1 et_pb_group et-last-child et_pb_module et_flex_group et_pb_css_mix_blend_mode_passthrough\">\r\n\r\n<div class=\"difl_advancedbutton_3 difl_advancedbutton et_pb_module\" data-subject=\"Architecture avec mes conseils\"><a class=\"difl_advanced_button_container media_right dfab_media_slide dfab_mr_left\" data-settings='{\"tooltip_enable\":false,\"disable_on_mobile\":true,\"arrow\":true,\"interactive\":true,\"interactiveBorder\":\"2\",\"interactiveDebounce\":\"0\",\"animation\":\"fade\",\"placement\":\"top\",\"trigger\":\"mouseenter focus\",\"followCursor\":false,\"maxWidth\":\"350\",\"offsetEnable\":false,\"offsetSkidding\":0,\"offsetDistance\":10,\"delay\":300}' data-text=\"\" href=\"#contact-patrimoine\" >\n\t\t\t\t\t\t\t<span class=\"difl_adv_btn_wrapper\">\n\t\t\t\t\t\t\t\t<span class=\"difl_adv_btn_media_wrapper\"><span class=\"et-pb-icon difl_adv_btn_media difl_adv_btn_icon\">&<\/span><\/span>\n\t\t\t\t\t\t\t\t<span class=\"difl_adv_btn_text_wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"difl_adv_btn_text\">Arrange a discussion with my advisers<\/span>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<span class=\"difl_adv_btn_sub_text\"><\/span> \n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<noscript class=\"difl_advanced_button_tooltip_content\"><\/noscript>\n\t\t\t\t\t\t<\/a><\/div>\r\n\r\n<div class=\"et_pb_text_37 et_pb_text et_pb_bg_layout_light et_pb_module et_flex_module preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><p><a class=\"reading-link\" href=\"https:\/\/sol-fiscal.com\/en\/our-approach\/\">our approach\u00a0<span aria-hidden=\"true\">\u2197\u00a0<\/span><\/a><\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_section_9 et_pb_section et_section_regular et_block_section\" id=\"equipe\">\r\n\r\n<div class=\"et_pb_row_31 et_pb_row et_block_row\">\r\n\r\n<div class=\"et_pb_column_43 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\">\r\n\r\n<div class=\"et_pb_text_38 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><p>Local presence and professional framework<\/p>\n<\/div><\/div>\r\n\r\n<div class=\"et_pb_text_39 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><h2>A local team that moves the project forward <br \/>beyond submitting forms.<\/h2>\n<\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_row_32 et_pb_row et_flex_row\">\r\n\r\n<div class=\"et_pb_column_44 et_pb_column et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_2_5 et_flex_column_2_5_tablet et_flex_column_24_24_phone\">\r\n\r\n<div class=\"et_pb_image_2 et_pb_image et_pb_module et_flex_module\"><span class=\"et_pb_image_wrap\"><img decoding=\"async\" src=\"https:\/\/sol-fiscal.com\/wp-content\/uploads\/2026\/10\/creation-societe-filiale-holding-andorre.webp\" alt=\"SOL Fiscal \u00b7 Holding company formation and group structuring\" width=\"1920\" height=\"1280\" srcset=\"https:\/\/sol-fiscal.com\/wp-content\/uploads\/2026\/10\/creation-societe-filiale-holding-andorre.webp 1920w, https:\/\/sol-fiscal.com\/wp-content\/uploads\/2026\/10\/creation-societe-filiale-holding-andorre-300x200.webp 300w, https:\/\/sol-fiscal.com\/wp-content\/uploads\/2026\/10\/creation-societe-filiale-holding-andorre-1024x683.webp 1024w, https:\/\/sol-fiscal.com\/wp-content\/uploads\/2026\/10\/creation-societe-filiale-holding-andorre-768x512.webp 768w, https:\/\/sol-fiscal.com\/wp-content\/uploads\/2026\/10\/creation-societe-filiale-holding-andorre-1536x1024.webp 1536w\" sizes=\"(max-width: 1920px) 100vw, 1920px\" class=\"wp-image-328746\" \/><\/span><\/div><\/div>\r\n\r\n<div class=\"et_pb_column_45 et_pb_column et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough et_flex_column_3_5 et_flex_column_3_5_tablet et_flex_column_24_24_phone\">\r\n\r\n<div class=\"et_pb_text_40 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><div class=\"intro-copy reveal visible\">\n<p>Our team works in French and Catalan, understands the local steps and brings together the professionals the project needs. This proximity helps us obtain the right documents, ask the right questions at the right time and follow through on decisions.<\/p>\n<p>Matthieu Bech, managing partner, is a legal specialist in French tax law and cross-border procedures. He is an economist registered with the Official College of Economists of Andorra under number 297.<\/p>\n<\/div>\n<\/div><\/div>\r\n\r\n<div class=\"et_pb_text_41 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><div class=\"professional-intro\"><a class=\"reading-link\" href=\"https:\/\/sol-fiscal.com\/en\/our-team\/\">Meet the team <span aria-hidden=\"true\">\u2197\u00a0<\/span><\/a><\/div>\n<\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_row_33 et_pb_row et_flex_row\">\r\n\r\n<div class=\"et_pb_column_46 et_pb_column et-last-child et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_24_24 et_flex_column_24_24_tablet et_flex_column_24_24_phone\">\r\n\r\n<div class=\"et_pb_blurb_26 et_pb_blurb et_pb_bg_layout_light et_pb_blurb_position_top et_pb_module et_block_module preset--module--divi-blurb--default\"><div class=\"et_pb_blurb_content\"><div class=\"et_pb_main_blurb_image et_animated\"><span class=\"et_pb_image_wrap et_pb_only_image_mode_wrap\"><img decoding=\"async\" src=\"data:image\/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAQAAAC1HAwCAAAAC0lEQVR42mNkYAAAAAYAAjCB0C8AAAAASUVORK5CYII=\" class=\"wp-image-324622 et_multi_view_hidden_image\" \/><\/span><\/div><div class=\"et_pb_blurb_container\"><div class=\"et_pb_blurb_description\"><p>In Andorra, the COEA oversees the economics profession. Its scope includes business, accounting, finance and taxation, subject to applicable law and the activities reserved to other professions. When an engagement involves regulated advice or services, particularly financial investment, the firm brings in authorised professionals.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_row_34 et_pb_row et_flex_row\">\r\n\r\n<div class=\"et_pb_column_47 et_pb_column et-last-child et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_16_24 et_flex_column_16_24_tablet et_flex_column_24_24_phone\">\r\n\r\n<div class=\"et_pb_text_42 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><p>Our work can continue after funds are transferred. Depending on the agreed engagement, we track obligations, corporate decisions, deadlines, commitments and changes that warrant a fresh review.<\/p>\n<\/div><\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_section_10 et_pb_section et_section_regular et_block_section\" id=\"questions\">\r\n\r\n<div class=\"et_pb_row_35 et_pb_row et_block_row\">\r\n\r\n<div class=\"et_pb_column_48 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\">\r\n\r\n<div class=\"et_pb_image_3 et_pb_image et_pb_module et_block_module\"><span class=\"et_pb_image_wrap\"><img decoding=\"async\" src=\"https:\/\/sol-fiscal.com\/wp-content\/uploads\/2025\/04\/LOGO-SOL-FISCAL-1-e1743608577821.png\" width=\"500\" height=\"83\" srcset=\"https:\/\/sol-fiscal.com\/wp-content\/uploads\/2025\/04\/LOGO-SOL-FISCAL-1-e1743608577821.png 500w, https:\/\/sol-fiscal.com\/wp-content\/uploads\/2025\/04\/LOGO-SOL-FISCAL-1-e1743608577821-480x83.png 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 500px, 100vw\" class=\"wp-image-328916\" alt=\"SOL Fiscal \u00b7 Graphic section divider\" \/><\/span><\/div>\r\n\r\n<div class=\"et_pb_blurb_27 et_pb_blurb et_pb_bg_layout_light et_pb_blurb_position_top et_pb_module et_block_module preset--module--divi-blurb--default\"><div class=\"et_pb_blurb_content\"><div class=\"et_pb_blurb_container\"><h2 class=\"et_pb_module_header\">Questions to resolve before investing<\/h2><\/div><\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_row_36 et_pb_row et_pb_equal_columns et_block_row\">\r\n\r\n<div class=\"et_pb_column_49 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\">\r\n\r\n<div class=\"et_pb_code_6 et_pb_code et_pb_module\"><div class=\"et_pb_code_inner\"><style>\n@import url(\"https:\/\/fonts.googleapis.com\/css2?family=DM+Sans:wght@400;500;600&display=swap\");\n\n@font-face {\n  font-family: \"SF Conseil FAQ\";\n  src: url(\"https:\/\/sol-fiscal.com\/wp-content\/themes\/Divi-child\/fonts\/FreightBigProBook-Regular.woff2\") format(\"woff2\");\n  font-weight: 400;\n  font-style: normal;\n  font-display: swap;\n}\n\n.sf-conseil-faq,\n.sf-conseil-faq *,\n.sf-conseil-faq *::before,\n.sf-conseil-faq *::after {\n  box-sizing: border-box;\n}\n\n.sf-conseil-faq {\n  width: 100%;\n  min-width: 0;\n  margin: 0;\n  padding: 0;\n  border-top: 1px solid rgba(178, 152, 109, .35);\n  background: transparent;\n  color: #2a2927;\n}\n\n.sf-conseil-faq details {\n  margin: 0 !important;\n  padding: 24px 0;\n  border: 0;\n  border-bottom: 1px solid rgba(178, 152, 109, .35);\n  background: transparent;\n}\n\n.sf-conseil-faq summary {\n  position: relative;\n  display: block;\n  width: 100%;\n  margin: 0;\n  padding: 0 48px 0 0;\n  color: #2a2927;\n  cursor: pointer;\n  list-style: none;\n}\n\n.sf-conseil-faq summary::-webkit-details-marker {\n  display: none;\n}\n\n.sf-conseil-faq summary::marker {\n  content: \"\";\n}\n\n.sf-conseil-faq summary::after {\n  content: \"+\";\n  position: absolute;\n  top: 50%;\n  right: 8px;\n  transform: translateY(-50%);\n  color: #80633a;\n  font: 500 34px\/1 \"DM Sans\", Arial, sans-serif;\n}\n\n.sf-conseil-faq details[open] summary::after {\n  content: \"\u2212\";\n}\n\n.sf-conseil-faq summary h3 {\n  margin: 0 !important;\n  padding: 0 !important;\n  color: #2a2927 !important;\n  font-family: \"SF Conseil FAQ\", Georgia, serif;\n  font-size: 30px;\n  font-weight: 400;\n  line-height: 1.25;\n  letter-spacing: normal;\n  overflow-wrap: break-word;\n}\n\n.sf-conseil-faq summary:focus-visible {\n  outline: 2px solid #b2986d;\n  outline-offset: 6px;\n}\n\n.sf-conseil-faq__answer {\n  max-width: 850px;\n  margin-top: 20px;\n  padding: 0;\n}\n\n.sf-conseil-faq__answer p {\n  margin: 0 !important;\n  padding: 0 !important;\n  color: #2a2927 !important;\n  font-family: \"DM Sans\", Arial, sans-serif;\n  font-size: 16px;\n  font-weight: 400;\n  line-height: 1.75;\n  letter-spacing: normal;\n  overflow-wrap: break-word;\n}\n\n.sf-conseil-faq__answer p + p {\n  margin-top: 16px !important;\n}\n\n@media (max-width: 767px) {\n  .sf-conseil-faq details {\n    padding: 20px 0;\n  }\n\n  .sf-conseil-faq summary {\n    padding-right: 40px;\n  }\n\n  .sf-conseil-faq summary h3 {\n    font-size: 24px;\n    line-height: 1.3;\n  }\n\n  .sf-conseil-faq summary::after {\n    right: 4px;\n    font-size: 30px;\n  }\n\n  .sf-conseil-faq__answer p {\n    font-size: 15px;\n    line-height: 1.75;\n  }\n}\n<\/style>\n\n<div class=\"sf-conseil-faq\">\n\n  <details open>\n    <summary>\n      <h3>How much should I keep available before investing?<\/h3>\n    <\/summary>\n    <div class=\"sf-conseil-faq__answer\">\n      <p>There is no universal percentage. We start with your expenses, taxes, debts, projects and payment commitments to plan for different liquidity needs over time. Capital earmarked for a near-term project should not be treated as money that can stay tied up for several years.<\/p>\n    <\/div>\n  <\/details>\n\n  <details>\n    <summary>\n      <h3>Do I need an asset-holding company in Andorra?<\/h3>\n    <\/summary>\n    <div class=\"sf-conseil-faq__answer\">\n      <p>Not necessarily. Personal ownership, an existing company or a single subsidiary may suffice. We compare governance, costs, tax, accounting, financing and wealth transfer implications before recommending a structure.<\/p>\n    <\/div>\n  <\/details>\n\n  <details>\n    <summary>\n      <h3>Can I invest in Andorra through my French holding company?<\/h3>\n    <\/summary>\n    <div class=\"sf-conseil-faq__answer\">\n      <p>Yes. A French company can finance or own an Andorran subsidiary if the project and applicable rules allow it. You need to assess the company\u2019s interests, financing method, any approvals, agreements, effective management, accounting and tax consequences in both countries. Moving the group\u2019s parent company is not a prerequisite.<\/p>\n      <p><a href=\"https:\/\/sol-fiscal.com\/en\/legal-and-tax-advice\/\">France\u2013Andorra legal and tax advice<\/a><\/p>\n    <\/div>\n  <\/details>\n\n  <details>\n    <summary>\n      <h3>Can I personally use a chalet owned by my company?<\/h3>\n    <\/summary>\n    <div class=\"sf-conseil-faq__answer\">\n      <p>Private use must be planned for and addressed from a legal, accounting and tax perspective. The company\u2019s asset is distinct from the shareholder\u2019s personal wealth. We review the intended use, decisions, any payment in return, financing and consequences in the countries concerned.<\/p>\n    <\/div>\n  <\/details>\n\n  <details>\n    <summary>\n      <h3>Does SOL Fiscal choose my financial investments?<\/h3>\n    <\/summary>\n    <div class=\"sf-conseil-faq__answer\">\n      <p>The firm defines the legal, tax and wealth framework, prepares decisions and coordinates the parties involved. Investment advice, portfolio management and regulated financial services are the responsibility of authorised institutions and professionals. We help you ask the right questions and assess how their proposals fit the structure chosen.<\/p>\n    <\/div>\n  <\/details>\n\n  <details>\n    <summary>\n      <h3>Does Luxembourg life insurance always protect your capital?<\/h3>\n    <\/summary>\n    <div class=\"sf-conseil-faq__answer\">\n      <p>No. Luxembourg law provides specific mechanisms for backing assets and insurance claims, but they do not guarantee performance or the value of the investments. Review the policy, insurer, custodian, investments, fees, beneficiary clause and tax treatment applicable to each person.<\/p>\n    <\/div>\n  <\/details>\n\n  <details>\n    <summary>\n      <h3>How do you assess a private or real estate investment?<\/h3>\n    <\/summary>\n    <div class=\"sf-conseil-faq__answer\">\n      <p>We examine the identity and role of each party, approvals, contracts, financing, guarantees, governance, future needs, economic assumptions and exit. Technical, financial and regulated assessments are entrusted to the relevant specialists. The final decision and investment risk remain with the investor.<\/p>\n    <\/div>\n  <\/details>\n\n  <details>\n    <summary>\n      <h3>How long does it take to put the arrangements in place?<\/h3>\n    <\/summary>\n    <div class=\"sf-conseil-faq__answer\">\n      <p>A focused project review can move quickly if the documents are complete. In our practice, allow at least two and a half to three months to arrange an Andorran company formation, including the project, bank, approvals, notary and registrations. This is a planning estimate that depends on the parties involved and the case. It is neither a statutory deadline nor a guarantee. A full wealth structure often takes several stages and settles after the first transactions.<\/p>\n    <\/div>\n  <\/details>\n\n  <details>\n    <summary>\n      <h3>Can you work with my existing advisers?<\/h3>\n    <\/summary>\n    <div class=\"sf-conseil-faq__answer\">\n      <p>Yes. We can review the case with them and then implement it locally, or manage the project with approvals divided among the parties. Scope, responsibilities, information sharing and deliverables are agreed at the outset.<\/p>\n    <\/div>\n  <\/details>\n\n  <details>\n    <summary>\n      <h3>What happens after the investment?<\/h3>\n    <\/summary>\n    <div class=\"sf-conseil-faq__answer\">\n      <p>Depending on the engagement, we track decisions, contracts, accounting, filings and commitments. A sale, refinancing, capital call, distribution, new use or legislative change may warrant a fresh review. The planned follow-up and budget are set out in writing.<\/p>\n    <\/div>\n  <\/details>\n\n<\/div>\n\n<script>\n(function () {\n  function initSFConseilFAQ() {\n    if (\n      !(\"IntersectionObserver\" in window) ||\n      window.matchMedia(\"(prefers-reduced-motion: reduce)\").matches\n    ) return;\n\n    document.querySelectorAll(\".sf-conseil-faq\").forEach(function (faq) {\n      if (faq.dataset.sfReady === \"true\") return;\n      faq.dataset.sfReady = \"true\";\n\n      var observer = new IntersectionObserver(function (entries) {\n        entries.forEach(function (entry) {\n          if (!entry.isIntersecting) return;\n\n          if (typeof entry.target.animate === \"function\") {\n            entry.target.animate(\n              [{ opacity: .55 }, { opacity: 1 }],\n              { duration: 750, easing: \"ease-out\" }\n            );\n          }\n\n          observer.unobserve(entry.target);\n        });\n      }, {\n        threshold: 0,\n        rootMargin: \"0px 0px -20px 0px\"\n      });\n\n      faq.querySelectorAll(\"details\").forEach(function (item) {\n        observer.observe(item);\n      });\n    });\n  }\n\n  if (document.readyState === \"loading\") {\n    document.addEventListener(\n      \"DOMContentLoaded\",\n      initSFConseilFAQ,\n      { once: true }\n    );\n  } else {\n    initSFConseilFAQ();\n  }\n})();\n<\/script><\/div><\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_section_11 et_pb_section et_section_regular et_block_section\">\r\n\r\n<div class=\"et_pb_row_37 et_pb_row et_block_row\">\r\n\r\n<div class=\"et_pb_column_50 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\">\r\n\r\n<div class=\"et_pb_image_4 et_pb_image et_pb_module et_block_module\"><span class=\"et_pb_image_wrap\"><img decoding=\"async\" src=\"https:\/\/sol-fiscal.com\/wp-content\/uploads\/2025\/04\/LOGO-SOL-FISCAL-1-e1743608577821.png\" width=\"500\" height=\"83\" srcset=\"https:\/\/sol-fiscal.com\/wp-content\/uploads\/2025\/04\/LOGO-SOL-FISCAL-1-e1743608577821.png 500w, https:\/\/sol-fiscal.com\/wp-content\/uploads\/2025\/04\/LOGO-SOL-FISCAL-1-e1743608577821-480x83.png 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 500px, 100vw\" class=\"wp-image-328916\" alt=\"SOL Fiscal \u00b7 Graphic section divider\" \/><\/span><\/div>\r\n\r\n<div class=\"et_pb_blurb_28 et_pb_blurb et_pb_bg_layout_light et_pb_blurb_position_top et_pb_module et_block_module preset--module--divi-blurb--default\"><div class=\"et_pb_blurb_content\"><div class=\"et_pb_blurb_container\"><h2 class=\"et_pb_module_header\">Let\u2019s talk about what you want your wealth to help you build.<\/h2><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_blurb_29 et_pb_blurb et_pb_bg_layout_light et_pb_blurb_position_top et_pb_module et_block_module preset--module--divi-blurb--default\"><div class=\"et_pb_blurb_content\"><div class=\"et_pb_blurb_container\"><div class=\"et_pb_blurb_description\"><p>You do not need to come with a structure already chosen. Tell us where the capital comes from, what you want to finance, what has already been decided and which professionals are advising you.<\/p>\n<p>We will identify the useful documents, questions to resolve and appropriate scope of work.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div>\r\n\r\n<div class=\"et_pb_row_38 et_pb_row et_flex_row\">\r\n\r\n<div class=\"et_pb_column_51 et_pb_column et-last-child et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_24_24 et_flex_column_24_24_tablet et_flex_column_24_24_phone\">\r\n\r\n<div class=\"et_pb_code_7 et_pb_code et_pb_module\"><div class=\"et_pb_code_inner\"><style>\n@import url(\"https:\/\/fonts.googleapis.com\/css2?family=DM+Sans:wght@400;500;600;700&display=swap\");\n\n.sf-contact-code,\n.sf-contact-code * {\n  box-sizing: border-box;\n}\n\n.sf-contact-code {\n  --sf-contact-gold: #b2986d;\n  --sf-contact-graphite: #2a2927;\n  --sf-contact-ivory: #fcfbf9;\n  --sf-contact-serif: \"FreightBigProLight\", \"Iowan Old Style\", \"Palatino Linotype\", Georgia, serif;\n  --sf-contact-sans: \"DM Sans\", Arial, sans-serif;\n\n  display: grid;\n  grid-template-columns: minmax(300px, .72fr) minmax(0, 1.28fr);\n  align-items: stretch;\n  width: 100%;\n  max-width: 1180px;\n  margin: 0 auto;\n  padding: 0;\n  background: transparent;\n  box-shadow: 0 30px 90px rgba(0, 0, 0, .16);\n  font-family: var(--sf-contact-sans);\n  scroll-margin-top: 110px;\n}\n\n\/* Colonne de coordonn\u00e9es *\/\n.sf-contact-code__details {\n  position: relative;\n  display: flex;\n  flex-direction: column;\n  min-height: 680px;\n  padding: clamp(2.25rem, 4vw, 4.25rem);\n  overflow: hidden;\n  border: 1px solid rgba(178, 152, 109, .55);\n  background: #2a2927;\n  color: #fff;\n}\n\n.sf-contact-code__details::after {\n  content: \"\";\n  position: absolute;\n  right: -88px;\n  bottom: -88px;\n  width: 230px;\n  height: 230px;\n  border: 1px solid rgba(178, 152, 109, .32);\n  border-radius: 50%;\n  pointer-events: none;\n  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a::after {\n  content: \"\";\n  display: block;\n  width: 0;\n  height: 1px;\n  margin-top: 3px;\n  background: var(--sf-contact-gold);\n  transition: width .3s ease;\n}\n\n.sf-contact-code__links a:hover::after,\n.sf-contact-code__links a:focus-visible::after {\n  width: 100%;\n}\n\n.sf-contact-code__appointment {\n  position: relative;\n  z-index: 1;\n  max-width: 270px;\n  margin: auto 0 0 !important;\n  color: var(--sf-contact-gold) !important;\n  font-family: var(--sf-contact-sans);\n  font-size: .74rem;\n  font-weight: 700;\n  letter-spacing: .08em;\n  line-height: 1.6;\n  text-transform: uppercase;\n}\n\n\/* Formulaire *\/\n.sf-contact-code__form {\n  display: flex;\n  flex-direction: column;\n  min-width: 0;\n  margin: 0;\n  padding: clamp(2.25rem, 5vw, 5rem);\n  background: var(--sf-contact-ivory);\n  color: var(--sf-contact-graphite);\n}\n\n.sf-contact-code__heading {\n  display: flex;\n  align-items: end;\n  justify-content: space-between;\n  gap: 2rem;\n  margin-bottom: 2.8rem;\n  padding-bottom: 1.2rem;\n  border-bottom: 1px solid rgba(178, 152, 109, .45);\n}\n\n.sf-contact-code__heading h3 {\n  margin: 0 !important;\n  padding: 0;\n  color: var(--sf-contact-graphite) !important;\n  font-family: var(--sf-contact-serif);\n  font-size: clamp(2rem, 3vw, 3.25rem);\n  font-weight: 400;\n  line-height: 1;\n}\n\n.sf-contact-code__heading p {\n  max-width: 230px;\n  margin: 0 !important;\n  color: rgba(42, 41, 39, .56) !important;\n  font-family: var(--sf-contact-sans);\n  font-size: .68rem;\n  line-height: 1.5;\n  text-align: right;\n}\n\n.sf-contact-code__intro {\n  margin: 0 0 2rem !important;\n  color: rgba(42, 41, 39, .6);\n  font: 400 .85rem\/1.65 var(--sf-contact-sans);\n}\n\n.sf-contact-code__grid {\n  display: grid;\n  grid-template-columns: repeat(2, minmax(0, 1fr));\n  column-gap: 2.2rem;\n}\n\n.sf-contact-code__form label {\n  display: block;\n  margin: 0 0 2rem;\n  color: var(--sf-contact-graphite);\n  font-family: var(--sf-contact-sans);\n  font-size: .7rem;\n  font-weight: 700;\n  letter-spacing: .07em;\n  line-height: 1.5;\n  text-transform: uppercase;\n}\n\n.sf-contact-code__form label > span {\n  display: block;\n}\n\n.sf-contact-code__form label small {\n  font-size: .62rem;\n  font-weight: 500;\n  letter-spacing: 0;\n  text-transform: none;\n}\n\n.sf-contact-code__form input,\n.sf-contact-code__form select,\n.sf-contact-code__form textarea {\n  width: 100%;\n  border: 0;\n  border-bottom: 1px solid rgba(42, 41, 39, .32);\n  border-radius: 0;\n  outline: 0;\n  background-color: transparent;\n  color: var(--sf-contact-graphite);\n  font-family: var(--sf-contact-sans);\n  font-size: 1rem;\n  font-weight: 500;\n  line-height: 1.5;\n  text-transform: none;\n  transition: border-color .25s ease, box-shadow .25s ease;\n}\n\n.sf-contact-code__form input,\n.sf-contact-code__form select {\n  min-height: 48px;\n  padding: .55rem 0;\n}\n\n.sf-contact-code__form select {\n  appearance: none;\n  padding-right: 2rem;\n  background-image:\n    linear-gradient(45deg, transparent 50%, var(--sf-contact-gold) 50%),\n    linear-gradient(135deg, var(--sf-contact-gold) 50%, transparent 50%);\n  background-position: calc(100% - 10px) 52%, calc(100% - 5px) 52%;\n  background-repeat: no-repeat;\n  background-size: 5px 5px, 5px 5px;\n}\n\n.sf-contact-code__form input:focus,\n.sf-contact-code__form select:focus,\n.sf-contact-code__form textarea:focus {\n  border-color: var(--sf-contact-gold);\n  box-shadow: 0 1px 0 var(--sf-contact-gold);\n}\n\n.sf-contact-code__form select.is-prefilled {\n  border-color: var(--sf-contact-gold);\n  box-shadow: 0 1px 0 var(--sf-contact-gold);\n}\n\n.sf-contact-code__message-field {\n  margin-top: .3rem !important;\n}\n\n.sf-contact-code__form textarea {\n  min-height: 150px;\n  margin-top: .9rem;\n  padding: 1rem;\n  border: 1px solid rgba(42, 41, 39, .24);\n  resize: vertical;\n}\n\n.sf-contact-code__help {\n  display: block;\n  margin-top: .7rem;\n  color: rgba(42, 41, 39, .6);\n  font-size: .7rem !important;\n  font-weight: 500 !important;\n  letter-spacing: 0 !important;\n  line-height: 1.5;\n  text-transform: none !important;\n}\n\n\/* Case facultative *\/\n.sf-contact-code__coordination {\n  margin: 0 0 2rem;\n}\n\n.sf-contact-code__form label.sf-contact-code__checkbox {\n  display: flex;\n  align-items: flex-start;\n  gap: 12px;\n  margin: 0;\n  font-size: .75rem;\n  letter-spacing: 0;\n  text-transform: none;\n}\n\n.sf-contact-code__form .sf-contact-code__checkbox input {\n  appearance: auto;\n  width: 18px;\n  height: 18px;\n  min-height: 18px;\n  flex: 0 0 18px;\n  margin: 2px 0 0;\n  padding: 0;\n  border: 0;\n  accent-color: var(--sf-contact-gold);\n}\n\n.sf-contact-code__coordination .sf-contact-code__help {\n  margin: 8px 0 0 30px;\n}\n\n\/* Bouton et confidentialit\u00e9 *\/\n.sf-contact-code__footer {\n  display: grid;\n  grid-template-columns: auto minmax(0, 1fr);\n  gap: 1.7rem;\n  align-items: center;\n  margin-top: auto;\n}\n\n.sf-contact-code__submit {\n  display: inline-flex;\n  align-items: center;\n  justify-content: center;\n  min-height: 48px;\n  padding: .85rem 1.3rem;\n  border: 1px solid var(--sf-contact-gold);\n  background: var(--sf-contact-gold);\n  color: #fff;\n  font-family: var(--sf-contact-sans);\n  font-size: .8rem;\n  font-weight: 700;\n  letter-spacing: .035em;\n  white-space: normal;\n  text-align: center;\n  cursor: pointer;\n  transition: transform .25s ease, background-color .25s ease;\n}\n\n.sf-contact-code__submit:hover,\n.sf-contact-code__submit:focus-visible {\n  transform: translateY(-2px);\n  background: #9f8459;\n}\n\n.sf-contact-code__privacy {\n  max-width: 420px;\n  margin: 0 !important;\n  color: rgba(42, 41, 39, .58) !important;\n  font-family: var(--sf-contact-sans);\n  font-size: .66rem;\n  line-height: 1.55;\n}\n\n.sf-contact-code__privacy a {\n  color: var(--sf-contact-graphite) !important;\n  text-decoration: underline;\n  text-underline-offset: 2px;\n}\n\n\/* Messages *\/\n.sf-contact-code__status {\n  display: none;\n  margin: 1.5rem 0 0 !important;\n  padding: 1rem 1.1rem;\n  border-left: 2px solid var(--sf-contact-gold);\n  background: rgba(178, 152, 109, .1);\n  color: var(--sf-contact-graphite) !important;\n  font-family: var(--sf-contact-sans);\n  font-size: .78rem;\n  font-weight: 700;\n  line-height: 1.55;\n}\n\n.sf-contact-code__status.is-visible {\n  display: block;\n}\n\n.sf-contact-code__field-error {\n  display: block;\n  margin-top: 8px;\n  color: #a13425;\n  font: 400 .72rem\/1.5 var(--sf-contact-sans);\n  letter-spacing: 0;\n  text-transform: none;\n}\n\n.sf-contact-code__form [aria-invalid=\"true\"] {\n  border-color: #a13425;\n}\n\n\/* Responsive *\/\n@media (max-width: 980px) {\n  .sf-contact-code {\n    grid-template-columns: 1fr;\n  }\n\n  .sf-contact-code__details {\n    min-height: 0;\n  }\n\n  .sf-contact-code__appointment {\n    margin-top: 1rem !important;\n  }\n}\n\n@media (max-width: 700px) {\n  .sf-contact-code__details,\n  .sf-contact-code__form {\n    padding: 2rem 6vw;\n  }\n\n  .sf-contact-code__grid {\n    grid-template-columns: 1fr;\n  }\n\n  .sf-contact-code__heading {\n    display: block;\n  }\n\n  .sf-contact-code__heading p {\n    margin-top: .8rem !important;\n    text-align: left;\n  }\n\n  .sf-contact-code__footer {\n    grid-template-columns: 1fr;\n  }\n\n  .sf-contact-code__submit {\n    width: 100%;\n  }\n}\n\n@media (prefers-reduced-motion: reduce) {\n  .sf-contact-code__details::after,\n  .sf-contact-code__links a::after,\n  .sf-contact-code__form input,\n  .sf-contact-code__form select,\n  .sf-contact-code__form textarea,\n  .sf-contact-code__submit {\n    transition: none;\n  }\n}\n<\/style>\n\n<section class=\"sf-contact-code\" aria-label=\"Contact SOL Fiscal\">\n\n  <aside class=\"sf-contact-code__details\" aria-label=\"SOL Fiscal contact details\">\n\n    <div class=\"sf-contact-code__address\">\n      <img decoding=\"async\" class=\"sf-contact-code__logo\" src=\"https:\/\/sol-fiscal.com\/wp-content\/uploads\/2025\/11\/White_LOGO-SOL-FISCAL.png\" alt=\"SOL Fiscal\">\n\n      <address>\n        Pla\u00e7a Copr\u00ednceps, Passatge Bonaventura M\u00f3ra Munt, 4Bis<br>\n        AD700 Escaldes-Engordany \u2014 Entresol 2<br>\n        Andorra\n      <\/address>\n    <\/div>\n\n    <div class=\"sf-contact-code__links\">\n      <a href=\"mailto:contact@sol-fiscal.com\">contact@sol-fiscal.com<\/a>\n      <a href=\"tel:+376603847\">+376 603 847<\/a>\n      <a href=\"tel:+33619232475\">+33 6 19 23 24 75<\/a>\n    <\/div>\n\n    <p class=\"sf-contact-code__appointment\">\n      At our office or by video call, by appointment.\n    <\/p>\n  <\/aside>\n\n  <form\n    class=\"sf-contact-code__form\"\n    id=\"sf-contact-form\"\n    method=\"post\"\n    data-sf-context=\"patrimoine\">\n\n    <div class=\"sf-contact-code__heading\" id=\"contact-patrimoine\">\n      <h3>Speak to the firm<\/h3>\n      <p>Fields marked with an asterisk are required.<\/p>\n    <\/div>\n\n    <div class=\"sf-contact-code__grid\">\n\n      <label>\n        <span>Full name <span aria-hidden=\"true\">*<\/span><\/span>\n        <input\n          type=\"text\"\n          name=\"name\"\n          autocomplete=\"name\"\n          required>\n      <\/label>\n\n      <label>\n        <span>Email address <span aria-hidden=\"true\">*<\/span><\/span>\n        <input\n          type=\"email\"\n          name=\"email\"\n          autocomplete=\"email\"\n          required>\n      <\/label>\n\n      <label>\n        <span>Phone <small>optional<\/small><\/span>\n        <input\n          type=\"tel\"\n          name=\"phone\"\n          autocomplete=\"tel\">\n      <\/label>\n\n      <label>\n        <span>Company or group <small>optional<\/small><\/span>\n        <input\n          type=\"text\"\n          name=\"company\"\n          autocomplete=\"organization\">\n      <\/label>\n\n    <\/div>\n\n    <label>\n      <span>Subject<\/span>\n      <select name=\"subject\" class=\"sf-contact-subject\">\n        <option value=\"\" selected>Choose a subject<\/option>\n        <option value=\"Diversification et investissements\">Diversification and investments<\/option>\n        <option value=\"Structure patrimoniale\">Wealth structure<\/option>\n        <option value=\"Relecture d\u2019un projet\">Project review<\/option>\n        <option value=\"Architecture avec mes conseils\">Coordination with my advisers<\/option>\n        <option value=\"Autre\">Other enquiry<\/option>\n      <\/select>\n    <\/label>\n\n    <label class=\"sf-contact-code__message-field\">\n      <span>\n        Current situation and general source of capital\n        <span aria-hidden=\"true\">*<\/span>\n      <\/span>\n      <textarea name=\"situation\" rows=\"4\" required><\/textarea>\n    <\/label>\n\n    <label class=\"sf-contact-code__message-field\">\n      <span>\n        Proposed project and timetable\n        <span aria-hidden=\"true\">*<\/span>\n 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Please avoid sending banking details or confidential documents through this form. We will arrange a suitable channel afterwards.\n    <\/p>\n\n    <div class=\"sf-contact-code__footer\">\n      <button class=\"sf-contact-code__submit\" type=\"submit\">\n        Tell us about my project\n      <\/button>\n\n      <p class=\"sf-contact-code__privacy\">\n        <a href=\"https:\/\/sol-fiscal.com\/en\/privacy-policy\/\">\n          Privacy policy\n        <\/a>\n      <\/p>\n    <\/div>\n\n    <!-- Champ transmis au traitement WordPress existant -->\n    <input type=\"hidden\" name=\"message\" value=\"\">\n\n    <p class=\"sf-contact-code__status\" role=\"status\" aria-live=\"polite\"><\/p>\n\n    <template class=\"sf-contact-code__success\">\n      Thank you. Your enquiry has been sent to the firm. We will get back to you to discuss the first meeting and which documents would be useful.\n    <\/template>\n\n    <template class=\"sf-contact-code__error\">\n      Your message could not be sent. You can try again or email us at\n      <a href=\"mailto:contact@sol-fiscal.com\">contact@sol-fiscal.com<\/a>.\n    <\/template>\n\n  <\/form>\n<\/section>\n\n<script>\n(() => {\n  function init() {\n    const form = document.querySelector(\n      '#sf-contact-form[data-sf-context=\"patrimoine\"]'\n    );\n\n    if (!form || form.dataset.sfPatrimoineReady) return;\n    form.dataset.sfPatrimoineReady = \"true\";\n\n    const select = form.querySelector('[name=\"subject\"]');\n\n    const normalize = value => String(value || \"\")\n      .normalize(\"NFC\")\n      .replace(\/['\u2019]\/g, \"'\")\n      .replace(\/[\u2013\u2014]\/g, \"-\")\n      .replace(\/\\s+\/g, \" \")\n      .trim()\n      .toLowerCase();\n\n    \/* Pr\u00e9remplissage depuis les boutons *\/\n    document.addEventListener(\"click\", event => {\n      if (!(event.target instanceof Element)) return;\n\n      const trigger = event.target.closest(\"[data-subject]\");\n      if (!trigger) return;\n\n      const link =\n        event.target.closest(\"a[href]\") ||\n        trigger.querySelector(\"a[href]\");\n\n      if (link) {\n        const url = new URL(link.href, location.href);\n\n        if (\n          url.origin !== location.origin ||\n          url.pathname !== location.pathname\n        ) return;\n      }\n\n      const requested = normalize(trigger.dataset.subject);\n\n      const option = Array.from(select.options).find(item =>\n        normalize(item.value) === requested\n      );\n\n      if (!requested || !option) return;\n\n      select.value = option.value;\n      select.classList.add(\"is-prefilled\");\n      select.dispatchEvent(new Event(\"change\", { bubbles: true }));\n    });\n\n    \/* Validation *\/\n    const requiredFields = Array.from(\n      form.querySelectorAll(\"[required]\")\n    );\n\n    form.noValidate = true;\n\n    function validate(field) {\n      const label = field.closest(\"label\");\n\n      label.querySelector(\".sf-contact-code__field-error\")?.remove();\n      field.removeAttribute(\"aria-invalid\");\n      field.removeAttribute(\"aria-describedby\");\n\n      if (field.validity.valid && field.value.trim()) return true;\n\n      const error = document.createElement(\"small\");\n      error.className = \"sf-contact-code__field-error\";\n      error.id = \"sf-patrimoine-error-\" + field.name;\n\n      error.textContent = field.validity.typeMismatch\n        ? 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