“I make a good living... but I don't really know where I stand.”
This phrase is often heard from doctors, dentists, physiotherapists, nurses, veterinary surgeons... Professionals who are ultra-competent in their field, but often alone with their assets, and a little out of touch with the issues they should be anticipating. This is not due to negligence. It's just that time is short, energy is focused elsewhere, and the right advice isn't always there, at the right time. And yet... When you dig deeper, you always find the same blockages - both professional and personal, often intertwined.
The 12 most common heritage problems
Professional side
The business is running. Sales are there. But the pro asset organization has often remained static since the beginning.
1. An ill-adapted legal status SEL (Société d'Exercice Libéral), SCP, BNC (Bénéfices Non Commerciaux): many are stuck with a structure chosen by default... and never reviewed.
2. Poorly balanced remuneration 100% remuneration, little or no dividends, no social or tax optimization.
4. Poorly structured real estate Direct or SCI (Société Civile Immobilière) purchases subject to IR (Impôt sur le Revenu) tax, with no link to the business structure. Heavy taxation on resale. Complicated transfer of ownership.
4. Un immobilier d’exercice mal structuré
Achat en direct ou dans une SCI (Société Civile Immobilière) à l’IR (Impôt sur le Revenu), sans lien avec la structure pro. Fiscalité lourde à la revente. Transmission compliquée.
5. No patient disposal strategy / SEL Zero anticipated valuation. Sales made in a hurry or without visibility on tax impacts.
6. Provident cover is often minimal Disability, death, incapacity: the risks are there, but the protection is rarely up to scratch.
Personnel
Outside the firm, fiscal pressure and a lack of long-term direction are taking their toll. Very heavy indeed.
1. Crushing personal taxation
TMI (Tranche Marginale d'Imposition) at 41% or 45%, sometimes IFI (Impôt sur la Fortune Immobilière)... with no optimization strategy in place.
2. Unclear, unanticipated retirement
Little vision of the real pension. No clear capitalization strategy via PER (Plan d'Epargne Retraite), real estate or company.
3. Scattered, inconsistent investments
SCPI (Société Civile de Placement Immobilier), Pinel schemes, AV (Assurance-Vie), PER (Plan d'Épargne Retraite)... but no overall view, nor alignment with life goals.
4. Fragile family protection
Standard beneficiary clauses. No protection mandate. Matrimonial regime not reviewed.
5. A transmission that doesn't exist (yet)
The subject is “for later”. But “later” comes quickly. And very costly if unprepared.
6. Scattered assets, never consolidated
No management chart. No annual asset review. Just... files, papers and doubts.
And underneath it all, often...
Phrases we hear tout le temps :
- “I don't have time.”
- “My accountant will take care of it.”
- “I trust my banker.”
- “I'll see when I retire.”
- “I've got enough to live on, so it's okay.”
All these phrases are human. But they are also powerful brakes on perspective, on the big picture, on future serenity.
At Mentorium Partners, we offer something different.
No products. No commissions.
Just structured, confidential and independent support for healthcare professionals who want to :
- Seeing clearly
- Optimizing their career path
- Protecting their families
- And pass it on under the right conditions
We help you to :
- Cross-checking pro/perso,
- Structuring your income, your holding and your real estate,
- Build an intelligent capitalization plan,
- And above all, to regain control of your decisions.
Would you like to discuss this in complete confidentiality?
Contact us for a 360° Diagnostic Patrimonial.
At Mentorium, we don't sell investments.
We're building clarity. Independence. And peace of mind.
