Wealth Management

1 – Definition of Wealth Management for a Real Estate Agency

At SCINjeko Real Estate Agency, wealth management is a comprehensive and advisory approach that goes beyond simple transactions (buying/selling/renting) to support clients in optimizing, growing, and transferring all of their assets, with real estate at the core of the strategy.

It is no longer just about selling a property, but about designing a wealth strategy where real estate is a key pillar, coordinated with the other components of the client’s wealth (finances, taxation, inheritance, etc.).

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2 – The 4 Pillars of SCINjeko Real Estate Wealth Management

This approach is structured around four strategic axes:

2.1 Strategic Investment Advisory

This is the extended core business. SCINjeko Real Estate Agency does not only offer properties for sale; it advises on building a real estate portfolio.

• Defining objectives: Retirement, supplementary income, inheritance planning, diversification.
• Strategy development: Choices between primary residence, rental investment (LMNP, Pinel), real estate funds (SCPI), co-living, etc.
• Profitability analysis: Precise calculation of gross/net return, borrowing capacity, and applicable taxation.

2.2 Optimization and Protection of Existing Assets

SCINjeko helps clients get the most out of their existing properties.

• Asset audit: Analysis of existing holdings to identify strengths, weaknesses, and opportunities (underutilized property, value-enhancing renovations, etc.).
• Tax optimization: Advice on beneficial schemes (deductible mortgage interest, depreciation, etc.) and suitable ownership structures (individual, in a real estate company – SCI).
• Legal and financial protection: Guidance on insurance (PNO, GLI), separating professional and personal assets through an SCI.

2.3 Operational Management and Value Enhancement

Once a property is acquired, SCINjeko offers management services to maximize its value with peace of mind.

• Property management: Tenant search, inspections, rent receipts, dispute management.
• Condominium management: For investors holding condominium units.
• Renovation and value advice: Support in renovations to increase rental or resale value.

2.4 Transmission and Disposal of Assets

SCINjeko plans for the long term with clients.

Strategic disposal: Determining the optimal timing to sell a property as part of rebalancing a portfolio or realizing capital gains.

Inheritance planning: Preparing real estate assets for heirs (donation, usufruct/naked ownership) while minimizing inheritance taxes.