{"id":3109,"date":"2026-08-23T07:32:14","date_gmt":"2026-08-23T05:32:14","guid":{"rendered":"https:\/\/well-phi.com\/?p=3109"},"modified":"2026-08-23T11:51:15","modified_gmt":"2026-08-23T09:51:15","slug":"le-bilan-patrimonial-un-outil-indispensable-pour-piloter-votre-patrimoine","status":"publish","type":"post","link":"https:\/\/well-phi.com\/index.php\/2026\/08\/23\/le-bilan-patrimonial-un-outil-indispensable-pour-piloter-votre-patrimoine\/","title":{"rendered":"Le bilan patrimonial : un outil indispensable pour piloter votre patrimoine"},"content":{"rendered":"<p>[et_pb_section fb_built=\u00a0\u00bb1&Prime; _builder_version=\u00a0\u00bb4.23.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb background_enable_color=\u00a0\u00bboff\u00a0\u00bb use_background_color_gradient=\u00a0\u00bbon\u00a0\u00bb background_color_gradient_direction=\u00a0\u00bb90deg\u00a0\u00bb background_color_gradient_stops=\u00a0\u00bbrgba(240,242,246,0.5) 0%|rgba(255,255,255,0) 100%\u00a0\u00bb custom_padding=\u00a0\u00bb14px||4px|||\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_row _builder_version=\u00a0\u00bb4.23.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb custom_margin=\u00a0\u00bb4px|auto||auto||\u00a0\u00bb custom_padding=\u00a0\u00bb30px|||||\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4&Prime; _builder_version=\u00a0\u00bb4.23.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_text _builder_version=\u00a0\u00bb4.27.7&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<p style=\"text-align: justify;\"><strong>Pourquoi r\u00e9aliser un bilan patrimonial ?<\/strong><\/p>\n<p style=\"text-align: justify;\">Le bilan patrimonial est la base de toute strat\u00e9gie patrimoniale. Il vous aide \u00e0 prendre des d\u00e9cisions \u00e9clair\u00e9es, en fonction de vos objectifs et de votre tol\u00e9rance au risque.<br \/>Il s&rsquo;agit une photographie pr\u00e9cise de votre situation financi\u00e8re, immobili\u00e8re et professionnelle \u00e0 un instant donn\u00e9.<br \/>Il vous permet de :<\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"text-align: justify;\">Faire le point sur vos actifs (\u00e9pargne, immobilier, entreprise) et vos passifs (cr\u00e9dits, dettes).<\/li>\n<li style=\"text-align: justify;\">Optimiser votre fiscalit\u00e9 et s\u00e9curiser votre patrimoine.<\/li>\n<li style=\"text-align: justify;\">Anticiper vos projets (transmission, retraite, investissements).<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p style=\"text-align: justify;\">_______________<\/p>\n<p style=\"text-align: justify;\"><strong><\/strong><\/p>\n<h3 style=\"text-align: justify;\"><strong><span style=\"color: #005995;\">1) <span style=\"text-decoration: underline;\">Quelles informations sont n\u00e9cessaires ?<\/span><\/span><\/strong><\/h3>\n<p style=\"text-align: justify;\">Pour l&rsquo;\u00e9tablir de mani\u00e8re compl\u00e8te, il s&rsquo;agit de rassembler de nombreuses informations (liste non exhaustive) :<\/p>\n<table border=\"1\" style=\"width: 100%; border-collapse: collapse;\">\n<tbody>\n<tr style=\"height: 24px;\">\n<td style=\"width: 363.625px; height: 24px; background-color: #005995; text-align: center;\" colspan=\"6\">\n<h3><span style=\"color: #ffffff;\"><strong>VOTRE SITUATION PERSONNELLE<\/strong><\/span><\/h3>\n<\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"width: 100.312px; text-align: center; height: 24px;\" colspan=\"2\">\n<h3><span style=\"text-decoration: underline;\"><strong>Votre situation familiale<\/strong><\/span><\/h3>\n<p style=\"text-align: left;\"><em>c\u00e9libataire, union libre, pacs\u00e9, mari\u00e9<\/em><\/p>\n<p style=\"text-align: left;\"><em>\u00e2ge<\/em><\/p>\n<p style=\"text-align: left;\"><em>r\u00e9gime matrimonial\u00a0<\/em><\/p>\n<p style=\"text-align: left;\"><em>vos proches : enfant(s), famille, personnes \u00e0 prot\u00e9ger<\/em><\/p>\n<\/td>\n<td style=\"width: 166.344px; text-align: center; height: 24px;\" colspan=\"2\">\n<h3><span style=\"text-decoration: underline;\"><strong>Votre situation professionnelle<\/strong><\/span><\/h3>\n<p style=\"text-align: left;\"><em>salari\u00e9, assimil\u00e9 salari\u00e9, travailleur non salari\u00e9<\/em><\/p>\n<p style=\"text-align: left;\"><em>profession lib\u00e9rale, <\/em><em>entrepreneur, <\/em><em>dirigeant<\/em><\/p>\n<p style=\"text-align: left;\"><em>retrait\u00e9\u00a0<\/em><\/p>\n<p><em><\/em><\/p>\n<\/td>\n<td style=\"width: 96.9688px; text-align: center; height: 24px;\" colspan=\"2\">\n<h3><span style=\"text-decoration: underline;\"><strong>Vos projets<\/strong><\/span><\/h3>\n<p style=\"text-align: left;\"><em>achat immobilier<br \/><\/em><em><\/em><\/p>\n<p style=\"text-align: left;\"><em>mariage\u00a0<\/em><\/p>\n<p style=\"text-align: left;\"><em>pr\u00e9parer un projet lointain (\u00e9tude des enfants, retraite)\u00a0 <\/em><em><\/em><\/p>\n<p style=\"text-align: left;\"><em>transmission de votre patrimoine<\/em><\/p>\n<p style=\"text-align: left;\"><em>vente de l&rsquo;entreprise <\/em><em>&#8230;<\/em><\/p>\n<\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"width: 363.625px; height: 24px; background-color: #005995; text-align: center;\" colspan=\"6\">\n<h3><span style=\"color: #ffffff;\"><strong>VOTRE PATRIMOINE<\/strong><\/span><\/h3>\n<\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"width: 183.469px; text-align: center; height: 24px;\" colspan=\"3\">\n<h3><span style=\"text-decoration: underline; color: #008000;\"><strong>Vos actifs<\/strong><\/span><\/h3>\n<p><strong>Vos actifs immobiliers<\/strong><\/p>\n<p><strong>Vos actifs financiers<\/strong><\/p>\n<p><strong>Vos actifs professionnels<\/strong><\/p>\n<p><strong><\/strong><\/p>\n<p><strong>Vos modes de d\u00e9tention <\/strong><\/p>\n<p>(%? pleine propri\u00e9t\u00e9, nue-propri\u00e9t\u00e9, usufruit? \/ biens communs ou personnels? \/ en soci\u00e9t\u00e9?)<strong><\/strong><\/p>\n<\/td>\n<td style=\"width: 180.156px; text-align: center; height: 24px;\" colspan=\"3\">\n<h3><span style=\"text-decoration: underline; color: #ff0000;\"><strong>Vos passifs<\/strong><\/span><\/h3>\n<p><b>\u00a0Vos cr\u00e9dits\u00a0<\/b><\/p>\n<p>immobiliers, consommation, professionnels, personnels<\/p>\n<p><b><\/b><\/p>\n<p><b>Vos engagements<\/b><\/p>\n<p>Pensions alimentaires, garanties, cautions etc&#8230;<\/p>\n<\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"width: 363.625px; height: 24px; background-color: #005995; text-align: center;\" colspan=\"6\">\n<h3><span style=\"color: #ffffff;\"><strong>VOS REVENUS ET CHARGES<\/strong><\/span><\/h3>\n<\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"width: 183.469px; text-align: center; height: 24px;\" colspan=\"3\">\n<h3><span style=\"text-decoration: underline; color: #008000;\"><strong>Vos revenus<\/strong><\/span><\/h3>\n<p>Salaires, b\u00e9n\u00e9fices, pensions, loyers, dividendes, int\u00e9r\u00eats, plus-values&#8230;<\/p>\n<\/td>\n<td style=\"width: 180.156px; text-align: center; height: 24px;\" colspan=\"3\">\n<h3><span style=\"text-decoration: underline; color: #ff0000;\"><strong>Vos charges<\/strong><\/span><\/h3>\n<p>vos imp\u00f4ts (IR, IFI, Taxe fonci\u00e8re), train de vie, pensions, remboursements<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<ul style=\"text-align: justify;\">\n<li style=\"list-style-type: none;\">\n<ul><\/ul>\n<\/li>\n<\/ul>\n<table border=\"1\" style=\"width: 100%; border-collapse: collapse; background-color: #ffffff; height: 48px;\">\n<tbody>\n<tr style=\"height: 48px;\">\n<td style=\"width: 100%; text-align: justify; height: 48px;\">\n<p><strong><em>Pourquoi ce niveau de d\u00e9tail?<\/em><\/strong><\/p>\n<p><em>Un bilan incomplet peut conduire \u00e0 des recommandations inefficaces ou inadapt\u00e9es.<\/em><br \/><em>Par exemple,<\/em><\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li><em>oublier un cr\u00e9dit peut fausser l&rsquo;analyse de votre capacit\u00e9 d&rsquo;endettement,<\/em><\/li>\n<li><em>oublier un actif qui procure des revenus peut fausser une analyse fiscale, et donc une d\u00e9cision patrimoniale.<\/em><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p style=\"text-align: justify;\">_______________<\/p>\n<h3 style=\"text-align: justify;\"><strong><span style=\"color: #005995;\"><span style=\"text-decoration: underline;\"><\/span><\/span><\/strong><\/h3>\n<h3 style=\"text-align: justify;\"><strong><span style=\"color: #005995;\">2) <span style=\"text-decoration: underline;\">Les \u00e9tapes cl\u00e9s pour \u00e9tablir un bilan patrimonial<\/span><\/span><\/strong><\/h3>\n<p style=\"text-align: justify;\">Il s&rsquo;agit de suivre une certaine m\u00e9thodologie :<\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"text-align: justify;\"><strong>recueil des informations<\/strong> : comprendre votre univers, et d\u00e9finir vos objectifs<\/li>\n<li style=\"text-align: justify;\"><strong>valorisation<\/strong> : des actifs, passifs, revenus et charges<\/li>\n<li style=\"text-align: justify;\"><strong>analyse de votre situation<\/strong> : patrimoine net, r\u00e9partition de vos actifs, identification des risques (concentration, liquidit\u00e9, volatilit\u00e9, fiscalit\u00e9, endettement)<\/li>\n<li style=\"text-align: justify;\"><strong>projection et sc\u00e9narios<\/strong> : simulation de projets<\/li>\n<li style=\"text-align: justify;\"><strong>plan d&rsquo;action<\/strong> : propositions concr\u00e8tes pour r\u00e9pondre aux objectifs<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<table border=\"1\" style=\"border-collapse: collapse; width: 100%; height: 168px;\">\n<tbody>\n<tr style=\"height: 24px;\">\n<td style=\"width: 33%; height: 24px;\"><strong>Objectif<\/strong><\/td>\n<td style=\"width: 67%; height: 24px;\"><strong>Explications<\/strong><\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"width: 33%; height: 24px;\">S\u00e9curiser son patrimoine<\/td>\n<td style=\"width: 67%; height: 24px;\">Prot\u00e9ger ses proches et ses actifs (assurances, \u00e9pargne, SCI, testament&#8230;)<\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"width: 33%; height: 24px;\">Pr\u00e9parer la transmission<\/td>\n<td style=\"width: 67%; height: 24px;\">Anticiper la transmission du patrimoine aux enfants<\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"width: 33%; height: 24px;\">Diversifier les actifs<\/td>\n<td style=\"width: 67%; height: 24px;\">Eviter une concentration trop importante sur un seul actif<\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"width: 33%; height: 24px;\">Optimiser la fiscalit\u00e9<\/td>\n<td style=\"width: 67%; height: 24px;\">R\u00e9duire l&rsquo;imposition (IR, IFI, droits de succession)<\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"width: 33%; height: 24px;\">Financer un projet<\/td>\n<td style=\"width: 67%; height: 24px;\">Identifier les ressources pour un achat immobilier ou une cr\u00e9ation d&rsquo;entreprise<\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"width: 33%; height: 24px;\">Anticiper la retraite<\/td>\n<td style=\"width: 67%; height: 24px;\">S&rsquo;assurer de revenus suffisants apr\u00e8s l&rsquo;arr\u00eat de l&rsquo;activit\u00e9<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3 style=\"text-align: justify;\"><strong><span style=\"color: #005995;\"><span style=\"text-decoration: underline;\"><\/span><\/span><\/strong><\/h3>\n<table border=\"1\" style=\"width: 100%; border-collapse: collapse; background-color: #ffffff; height: 48px;\">\n<tbody>\n<tr style=\"height: 48px;\">\n<td style=\"width: 100%; text-align: justify; height: 48px;\">\n<p><strong><em>Cas client<\/em><\/strong><\/p>\n<p><i>Un dirigeant de PME souhaite vendre sa soci\u00e9t\u00e9 pour partir en retraite.\u00a0<\/i><\/p>\n<p><i>Notre bilan a r\u00e9v\u00e9l\u00e9 la possibilit\u00e9 d&rsquo;utiliser un dispositif fiscal avantageux en cas de vente pour d\u00e9part en retraite, de donner avant de c\u00e9der quelques titres aux enfants pour la transmission, et les possibilit\u00e9s d&rsquo;investissements pour g\u00e9n\u00e9rer des revenus r\u00e9guliers et compl\u00e9mentaires par de l&rsquo;assurance-vie et un investissement en immobilier locatif.\u00a0<\/i><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><strong><span style=\"color: #005995;\"><span style=\"text-decoration: underline;\"><\/span><\/span><\/strong><\/p>\n<h3 style=\"text-align: justify;\"><strong><span style=\"color: #005995;\">3) <span style=\"text-decoration: underline;\">Quand r\u00e9aliser un bilan patrimonial ?<\/span><\/span><\/strong><\/h3>\n<p style=\"text-align: justify;\">Certains \u00e9v\u00e8nements doivent vous inciter \u00e0 r\u00e9aliser, ou mettre \u00e0 jour votre bilan patrimonial.<\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li><strong>Moments cl\u00e9s<\/strong> : Mariage, naissance, cr\u00e9ation\/reprise\/cession d\u2019entreprise, d\u00e9part \u00e0 la retraite, h\u00e9ritage, divorce.<\/li>\n<li><strong>\u00c9v\u00e9nements exceptionnels<\/strong> : Achat\/vente d\u2019un bien immobilier, investissement important, cession, changement l\u00e9gislatif.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>Dans ces moments l\u00e0, le bilan patrimonial vous permettra de :<\/p>\n<p><strong>\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u2714 D\u00e9finir vos objectifs,<\/strong><\/p>\n<p><strong>\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u2714 Anticiper les opportunit\u00e9s et les risques,<\/strong><\/p>\n<p><strong>\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u2714 Prendre de meilleures d\u00e9cisions,<\/strong><\/p>\n<p>&nbsp;<\/p>\n<p>Chez <strong>WELL<span style=\"color: #005995;\">PHI<\/span><\/strong>, nous vous le proposons d\u00e8s notre premier rendez-vous\u00a0pour en faire un levier de transparence et de d\u00e9cision.<br \/>A votre disposition !<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Pourquoi r\u00e9aliser un bilan patrimonial ? Le bilan patrimonial est la base de toute strat\u00e9gie patrimoniale. Il vous aide \u00e0 prendre des d\u00e9cisions \u00e9clair\u00e9es, en fonction de vos objectifs et de votre tol\u00e9rance au risque.Il s&rsquo;agit une photographie pr\u00e9cise de votre situation financi\u00e8re, immobili\u00e8re et professionnelle \u00e0 un instant donn\u00e9.Il vous permet de : Faire [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1029,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[36,43,26,37,27,35,24,20,41,34,25,19,23,21,28,42,49,22],"tags":[],"class_list":["post-3109","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-chef-entreprise","category-diversifier","category-entreprise","category-expatrie","category-expertise","category-famille","category-actifs-financiers","category-fiscalite-fiscal-impots-taxes-droits","category-gerer","category-gestion-de-patrimoine","category-immobilier","category-ingenierie-patrimoniale-conseil-gestion-patrimoine","category-investissement-placement-acquisition-gestion-location-cession-financier-immobilier-professionnel","category-droit-civil-societe-societes-affaires-matrimonial","category-notaire","category-optimiser","category-revenus","category-social-prevoyance-retraite-sante"],"_links":{"self":[{"href":"https:\/\/well-phi.com\/index.php\/wp-json\/wp\/v2\/posts\/3109","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/well-phi.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/well-phi.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/well-phi.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/well-phi.com\/index.php\/wp-json\/wp\/v2\/comments?post=3109"}],"version-history":[{"count":6,"href":"https:\/\/well-phi.com\/index.php\/wp-json\/wp\/v2\/posts\/3109\/revisions"}],"predecessor-version":[{"id":3137,"href":"https:\/\/well-phi.com\/index.php\/wp-json\/wp\/v2\/posts\/3109\/revisions\/3137"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/well-phi.com\/index.php\/wp-json\/wp\/v2\/media\/1029"}],"wp:attachment":[{"href":"https:\/\/well-phi.com\/index.php\/wp-json\/wp\/v2\/media?parent=3109"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/well-phi.com\/index.php\/wp-json\/wp\/v2\/categories?post=3109"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/well-phi.com\/index.php\/wp-json\/wp\/v2\/tags?post=3109"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}