Free wealth assessment: analyse and optimise your wealth
Updated in October 2026 — Written by Les Experts du Patrimoine
A wealth assessment helps you analyse, structure, and optimise your wealth based on your personal situation, your tax position, and your objectives. It provides an overall view of your assets and helps identify optimisation levers that are often overlooked.
A wealth assessment is not limited to a simple snapshot of your assets. It is part of a comprehensive wealth-planning approach, integrating taxation, wealth transfer, investment structuring, and life goals. Whether you want to prepare for retirement, reduce your tax burden, or improve the performance of your investments, completing a wealth assessment is an essential step in making the right decisions.
In just a few minutes, access an initial personalised analysis and identify concrete actions to put in place to improve your situation.
An online assessment, free and with no commitment
The goal is simple: to give you a clear view of your situation and guide you towards the best solutions, with no commitment. The recommendations from this assessment can then be refined with a wealth management professional, available on our platform.
- A summary of your wealth
- Your level of wealth structuring
- The strengths of your wealth
- Key areas to watch
- Priority areas
- Potential solutions
5 minutes pour réaliser votre bilan patrimonial
Obtenez une première synthèse personnalisée de votre situation patrimoniale, de vos points forts, de vos axes d’optimisation et de vos priorités d’action. Gratuit, confidentiel et sans engagement.
Table of contents
What is a wealth assessment?
A wealth assessment is a comprehensive analysis of your financial, tax, and personal situation. It helps assess the composition of your wealth, identify its strengths and weaknesses, and define a wealth strategy tailored to your objectives.
It provides an essential foundation for making informed decisions and structuring your wealth over the long term.
Who is a wealth assessment for?
Contrary to popular belief, a wealth assessment is not only for substantial wealth. It is for anyone who wants to better understand, organise, or grow their wealth.
Whether you are employed, self-employed, a business owner, or already retired, completing an assessment helps tailor your strategy to your situation and your plans.
Why complete a wealth assessment?
A wealth assessment is not reserved for the very wealthy. It concerns anyone who wants to structure, optimise, or prepare the future of their wealth.
Over time, your situation changes: income, taxation, life plans, investments… Without an overall view, it becomes difficult to make the right decisions in your asset allocation.
Carrying out an audit helps detect inconsistencies, identify opportunities that are often overlooked, and implement a strategy tailored to your objectives.
A wealth assessment helps answer practical questions:
- Am I invested appropriately?
- Can I reduce my tax burden?
- Is my wealth well diversified?
- How can I prepare for retirement or transfer my wealth under the best conditions?
What does a wealth assessment include?
A wealth assessment is not limited to a simple analysis of your investments. It is a comprehensive review of your situation.
An expert will take several essential dimensions into account.
First, your personal and family situation, to incorporate your life goals, constraints, and your investment horizon.
Next, an analysis of your current wealth: real estate, financial investments, savings, business assets… Each element is reviewed to understand its overall consistency.
Taxation also plays a central role. An audit often helps highlight immediate optimisation levers.
Finally, you receive practical recommendations, tailored to your profile, with clear action paths to improve your situation.
Understanding the wealth assessment
To go further, we provide educational content to help you better understand what is at stake in a wealth audit.
In particular, you can explore the following topics in more depth:
- When should you complete an assessment?
- Wealth assessment and tax optimisation
- Real estate audit: what to analyse
This content helps you better understand the mechanisms and make informed decisions.
Why trust Experts du Patrimoine?
Experts du Patrimoine is a unique ecosystem dedicated to wealth management. The platform brings together more than 3,500 professionals.
Each expert can be identified, consulted, and contacted directly. Checks are also carried out to ensure maximum transparency.
This gives you:
- easy access to qualified professionals
- a search engine to find an expert based on your needs
- an interactive map of France to find an expert in your city
- an educational environment to help you understand your decisions
and practical tools to take action
Speak with a wealth management expert
Because a tool cannot replace the human element, you also have the option of being connected with an expert near you. The professionals on the platform are selected and verified, notably through their registration and regulatory obligations.
This allows you to speak with confidence, with an adviser who can support you over the long term.
FAQ – wealth assessment
How long does an online wealth assessment take?
An online wealth assessment can be completed very quickly. In just a few minutes, you can obtain an initial analysis of your situation. The goal is not to produce an exhaustive audit, but to give you a clear, structured view of your wealth, along with practical optimisation opportunities.
Is this wealth assessment really free?
Yes, the initial analysis provided is completely free and with no commitment. It helps identify your strengths, areas for improvement, and priorities. You then remain free to continue—or not—with a professional to refine your wealth strategy.
Do you need substantial wealth to complete an assessment?
No, the wealth assessment is not only for high levels of wealth. It is relevant at every stage of life. Whether you are just starting to build wealth or already well structured, it helps you avoid certain mistakes and optimise your decisions based on your objectives.
What is the difference between an online wealth assessment and an adviser?
The online assessment is a first step. It provides a quick, accessible analysis of your situation. A wealth management adviser goes much further by building a comprehensive, personalised, and evolving strategy. They also support you in implementing solutions in practical terms.
Is my data confidential?
Yes, the information you provide as part of the wealth assessment is processed confidentially. It is used only to produce your analysis and to enable you to access your personal area securely.
What should I do after a wealth assessment?
Once your assessment is complete, you will have a clearer view of your situation and the possible actions. You can implement certain optimisations independently or choose to be supported by a professional to go further and secure your decisions over time.
To go further
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