Medical professionals

Your wealth deserves the same rigour as your medical practice

Independent advisory for self-employed doctors, surgeons and specialists. Tax optimisation, retirement and investments, structured with the precision you demand.

Free wealth diagnostic Discover our expertise
0%

of self-employed doctors have no structured wealth strategy

0%

of average income goes to tax and social charges

0€

average CARMF retirement pension, a gap to anticipate

0 yrs

of experience in medical wealth engineering

The reality

High income, often under-optimised wealth

Doctors and surgeons are among the highest-paid professionals in France. Yet the majority endure a disproportionate tax and social burden due to a lack of proper structuring.

Between on-call duties, consultations and practice management, there is little time left to manage wealth. The result: savings sitting idle in bank accounts, an insufficient CARMF pension, and missed optimisation opportunities.

Excessive taxation

Unoptimised BNC, no holding company, marginal tax rate at 41% or 45% with no arbitrage strategy.

Insufficient retirement

CARMF pays on average \u20AC1,800/month, a major gap with a practitioner's lifestyle.

Inadequate protection

Insufficient death/disability insurance, unprotected spouse, no power of attorney.

Our expertise

Four pillars serving practitioners

Every recommendation is documented, quantified and tailored to the specific needs of medical professionals.

Independent CIF advisor, open architecture, no conflict of interest.

01

Compensation optimisation

Arbitrage between BNC, SEL, SELARL or SELAS structures. We structure your practice to reduce your tax and social burden while maximising your savings capacity.

02

Retirement & insurance

PERin, Madelin contracts, Luxembourg life insurance. Building a supplementary retirement capital tailored to the specific needs of medical professionals.

03

Wealth investments

Income-generating REITs, private equity, structured products. Diversification suited to high-income profiles with limited time for day-to-day management.

04

Succession & protection

Death/disability insurance, spousal protection, property dismemberment. Securing family wealth against professional contingencies.

Case study

Self-employed surgeon, Switch to SELARL

Results after legal restructuring and comprehensive wealth optimisation.

Initial situation, BNC

Net income before tax280 000\u20AC
Social charges78 000\u20AC
Income tax64 000\u20AC
Total deductions 142 000\u20AC

Effective overall rate: 50.7%

After optimisation, SELARL

Net income before tax280 000\u20AC
Social charges52 000\u20AC
IT + CT combined41 000\u20AC
Total deductions 93 000\u20AC

Effective overall rate: 33.2%, Savings: \u20AC49,000/year

\u20AC49,000 annual savings, i.e. \u20AC490,000 over 10 years
Simulate my savings

Your situation

Support tailored to every stage of your career

Early-career self-employed doctor

  • Choice of legal structure (BNC vs SEL)
  • Setting up insurance coverage
  • First wealth investments

Established high-income practitioner

  • Tax optimisation of compensation
  • Wealth diversification
  • Building a supplementary retirement capital

Surgeon / Specialist in private practice

  • Structuring via SELARL/SELAS
  • Surplus cash management
  • High-return investments

Doctor nearing retirement

  • Sale of practice or SEL shares
  • Optimising exit taxation
  • Wealth transfer to heirs

Our method

A structured approach, a lasting relationship

Step 01

Wealth diagnostic

Comprehensive analysis of your situation: income, expenses, existing assets, insurance coverage, CARMF retirement projection.

Step 02

Tailored strategy

Development of a detailed action plan: legal restructuring, tax optimisation, asset allocation.

Step 03

Implementation

Coordination with your accountants, lawyers and notaries. Execution of each step within a defined timeline.

Step 04

Ongoing monitoring

Quarterly reporting, proactive adjustments, regulatory watch specific to medical professions.

Testimonials

Hear from our practitioner clients

Thanks to the SELARL restructuring proposed by Kapitalia, I reduced my tax burden by €35,000 per year while building a diversified property portfolio.

Dr. Laurent M.

Orthopaedic surgeon, Paris

Client since 2021

As a self-employed cardiologist, I had neither the time nor the expertise to manage my wealth. Kapitalia enabled me to plan my retirement with confidence.

Dr. Sophie B.

Cardiologist, Neuilly-sur-Seine

Client since 2022

The sale of my clinic shares was structured in advance to minimise taxation. A rigorous and transparent advisory service.

Dr. Philippe R.

Anaesthetist-intensivist

Client since 2020

FAQ

Frequently asked questions

Why switch to a SEL rather than staying as BNC? +
A professional practice company (SEL) allows you to separate salary from dividends, optimise social charges, and build investable corporate reserves. The tax savings can reach 15 to 40% depending on the situation.
What is the impact of CARMF on my retirement? +
The average CARMF pension is around €1,800/month, far below a practitioner's lifestyle. It is essential to build supplementary capital via PERin, life insurance or wealth investments to maintain your standard of living.
How is Kapitalia compensated? +
Fixed advisory fees and/or commissions on subscribed products. Every source of compensation is explicitly detailed before any decision. No proprietary products, open architecture.
From what income level is this relevant? +
Our solutions are designed for practitioners generating over €150,000 in annual income or holding assets above €500,000. The optimisation becomes even more significant as income rises.
Do you work with my accountant? +
Absolutely. We systematically coordinate our recommendations with your accountant, tax lawyer and notary. Our role is that of a wealth architect.

Let's talk about your wealth

30-minute free diagnostic, no commitment. Let's discuss your situation and your wealth objectives.

Book an appointment