Owner income
Clarify salary, dividends and personal needs.
Wealth advisory for business owners
Business owners: turn your company’s success into personal wealth.
With a clear strategy between the company, the owner and the family — covering income, protection, retirement and wealth structuring.
A careful, educational and personal approach. No magic promise: a serious review.
Marc DESRETTESAXA Conseil et Patrimoine
The Marc DESRETTES firm
Business leadership experience serving business owners.
Before advising entrepreneurs on protection and wealth, Marc DESRETTES spent 25 years in digital businesses, from small companies to major international groups.
He founded and led the French subsidiary of EQS Group from 2017 to 2022, after working in demanding environments such as Reuters, Euronext and Nasdaq.
Today, through his protection and wealth-management practice, he helps entrepreneurs make clearer decisions about income, retirement, protection and long-term wealth.
25 years in digitalReuters · Euronext · NasdaqEQS Group FranceCollective intelligence
Expertise
The wealth decisions that matter for business owners.
Family protection
Protect income, family and continuity if life changes suddenly.
Retirement
Build options early to preserve freedom later.
Savings and investment
Turn available cash into a long-term wealth path.
Wealth taxation
Make decisions readable, prudent and explained.
Transmission
Prepare key milestones for the company and the family.
Method
A clear three-step method.
We do not start with a product. We first understand your situation, then clarify priorities before presenting suitable solutions.
Information gathering and audit
Personal situation, company, income, existing protection, objectives, constraints and questions to clarify.
Social and wealth report
A concise reading of strengths, blind spots, risks and priorities for the owner, family and company.
Suitable solutions
Solutions aligned with the client’s situation and needs: protection, income, retirement, savings or transmission.
Expert insights
Understand before deciding.
Short guides to help business owners ask the right questions before making decisions.
Owner guide
What should you do with cash sitting in your company?
Turning business cash into personal wealth requires method, not improvisation.
Read article →Owner guideSalary or dividends: how should a small business owner decide?
The right balance depends on income needs, social protection, taxation and long-term wealth goals.
Read article →Owner guideBusiness owner protection: blind spots that can weaken the company
In a small business, protecting the owner is also a business-continuity issue.
Read article →Owner guideBusiness owner retirement: why it should start before it becomes urgent
A business owner’s retirement is shaped by income, savings and protection decisions made years before exit.
Read article →Our partners
A reference ecosystem to support business owners.
The firm relies on the AXA Prévoyance & Patrimoine environment and specialist partners to address protection, retirement, wealth, business and transmission issues.
APRS
ANPÈRE
AXA Wealth Services