Allianz Assurance GRAY PLEIN CIEL

Name: Allianz Assurance GRAY PLEIN CIEL - Samir ABADOU
Address: 3 Place Charles De Gaulle, Gray, 70100, FR
Telephone: 0384650617

Samir ABADOU — General Agent

Your trusted wealth advisor in Gray (Haute-Saône)

📍 3 place Charles de Gaulle — 70100 Gray
📞 03 84 65 06 17
✉ abadou.gray@allianz.fr
🌐 agence.allianz.fr/gray-plein-ciel

Wealth Management

Protect, enhance, and transfer your wealth with Allianz

Wealth management involves building, protecting, and optimizing all your assets (real estate, financial investments, life insurance, business) to achieve your life goals: preparing for retirement, financing your children's education, reducing your taxes, and organizing your estate. At Allianz Assurance GRAY PLEIN CIEL, Samir ABADOU supports you with a comprehensive, independent, and personalized approach.

Key Figures

+3,300 billion € Financial wealth of French households (Bank of France 2023)
59% Of French people do not have a defined wealth strategy
30% Of potential tax savings with well-managed optimization
1 audit Is enough to identify unsuspected optimization levers

OUR OFFER & OUR GUARANTEES

Wealth Solution	Main Objective	Allianz
Life Insurance	Savings, transfer, tax exemption	✔
PER (Retirement Savings Plan)	Retirement + immediate tax deduction	✔
Capitalization Contract	Transfer outside of succession	✔
SCPI / Paper real estate	Rental income without management	✔
Wealth Protection	Capital protection in case of risk	✔

STRENGTHS OF THE ALLIANZ OFFER

Security
Performance
Taxation
Transfer

WHO IS THIS OFFER FOR?

REGULATORY CONTEXT 2024

ALLIANZ ASSURANCE GRAY PLEIN CIEL
Samir ABADOU — General Agent
3 place Charles de Gaulle
70100 Gray

CONTACT

📞 03 84 65 06 17
✉ abadou.gray@allianz.fr
🌐 agence.allianz.fr/gray-plein-ciel

SCHEDULE AN APPOINTMENT

Free wealth audit
Personalized advice
Response within 24 hours

Informational document — Non-contractual. Allianz is a registered trademark. General Agent subject to ACPR control. Samir ABADOU registered with ORIAS.

Management led by Allianz Invest experts

Wide range of supports (guaranteed euro funds + units of account)
Digital tools for real-time tracking
Tax and legal support included
Face-to-face advice in Gray and via videoconference

Target Audience

Employees & executives wishing to prepare for retirement and reduce their income tax
Business leaders looking to optimize compensation and prepare for transfer
Freelancers with irregular income to smooth and capitalize
Retirees wanting to organize transmission at lower tax cost
First-time investors wanting to start a solid wealth strategy from age 18
Families wishing to protect the spouse and prepare for children's inheritance

Regulatory Information

Pension reform 2023: retirement at 64 → PER essential
PER ceiling: deduction up to 10% of N-1 income
Life insurance: allowance of €152,500 per beneficiary
IFI (formerly ISF): only non-professional real estate taxed

FAQ — FREQUENTLY ASKED QUESTIONS ABOUT WEALTH MANAGEMENT

❓ What is the difference between life insurance and a PER?
Life insurance is a versatile tool for savings and transfer: flexible redemptions after 8 years, freely designated beneficiaries outside of succession. The PER is dedicated to retirement: contributions deductible from taxable income, capital locked until retirement (except life accidents). Both tools are complementary: PER for immediate tax optimization, life insurance for flexibility and transfer.

❓ How can I legally reduce my taxes through wealth management?
Several legal levers: (1) PER — deduction of contributions from your taxable income; (2) Life insurance — advantageous taxation after 8 years and transfer outside of inheritance tax; (3) SCPI — complementary income exempt from tax. A personalized tax assessment with Samir ABADOU helps identify the most suitable levers for your situation.

❓ How does transmission via life insurance work?
Amounts transmitted outside of succession with an allowance of €152,500 per beneficiary (premiums before age 70). It is the most effective transmission tool under French law. The beneficiary clause must be drafted precisely (names, first names, dates of birth) to guarantee this tax advantage.

❓ What capital is needed to start?
From €50/month in life insurance or PER. The effect of compound interest over 20-30 years is considerable — the key is to start early. A complete audit is recommended from €20,000 of net wealth to maximize tax optimization.

❓ Do I need an advisor or can I manage on my own?
A wealth management advisor provides a global vision, access to exclusive supports (Allianz managed management, SCPI), and ongoing regulatory monitoring. At the Gray agency, the initial audit is free and without obligation.

5 TIPS TO AVOID MISTAKES WHEN SUBSCRIBING

Define your objectives before any product. Retirement, transfer, or performance? Each objective corresponds to a different tool.
Take care of your beneficiary clause. A vague clause ("my legal heirs") nullifies the inheritance advantage. Be precise: names, first names, dates of birth.
Adapt your risk profile to the horizon. UC are volatile in the short term but perform well over 10+ years. Choose: cautious, balanced, or dynamic.
Keep a liquid emergency savings. Do not block everything in PER: keep 3 to 6 months of available income in a savings account before investing.
Review your contract every year. Family situation, income, tax legislation: everything evolves. A perfect contract at subscription can become suboptimal without updates.

CLIENT TESTIMONIAL

"After a meeting with Samir ABADOU, I discovered that my beneficiary clause was incorrect and that I was paying too high fees. In two months, we restructured everything: PER for my retirement, optimized life insurance for my children, SCPI for complementary income. Result: about €2,400 in tax savings in the first year. I recommend without hesitation!
Christine M., 54 years old — Senior Executive, Gray (70)
Allianz client since 2009 — Wealth assessment 2023

🎯 Free wealth audit — No obligation — Response within 24h
📞 03 84 65 06 17 | ✉ abadou.gray@allianz.fr | 🌐 agence.allianz.fr/gray-plein-ciel-70100-109319