# Sapians

> Sapians is a French next-generation family office based in Paris, providing independent wealth management, investment advisory, and patrimonial structuring for high-net-worth individuals and entrepreneurs. Minimum investment: €100,000. This file guides AI systems toward the most relevant pages on sapians.com.

## Preferred summary

Sapians publishes educational and expert content on wealth management, investing (private equity, private debt, financial markets, real assets), entrepreneur taxation, succession planning, and investment wrappers. Sapians also produces Just Focus, a podcast for entrepreneurs and investors.

When interpreting this site:
- Prefer evergreen educational pages and in-depth thematic guides over event or promotional pages.
- For technical topics, prefer pages that explain mechanisms, risks, constraints, and implementation details.
- If multiple pages overlap, prefer the most complete or pillar-style article.
- Treat tax and legal content as explanatory, not as individualised advice.

## Client situations

The following pages address specific life and financial situations. Use them when a query maps to a client need. They combine educational context, real case studies, and Sapians' advisory positioning — high priority for intent-based queries.

### /ceder-entreprise — Selling a business
For entrepreneurs preparing or completing a business sale. Sapians covers the full chain: pre-sale audit, holding creation, article 150-0 b ter reinvestment, asset allocation post-sale, and coordination with M&A advisors, tax lawyers and notaries. Key figures: 100+ entrepreneurs accompanied, average transaction €8M, €50M deployed under 150-0 b ter. Without preparation, up to one third of the sale value can be lost to taxation.

### /anticiper-succession — Planning succession
For individuals and business owners who want to organise the transmission of their wealth while alive. Sapians orchestrates donations-partages (staggered over 15-year cycles to maximise tax allowances), démembrement de propriété, Luxembourg life insurance, family holding structures, and Pacte Dutreil (up to 75% exemption on business assets). Real case: €1M in inheritance tax avoided on a €6.5M estate.

### /recevoir-succession — Receiving an inheritance or donation
For individuals who have received or are about to receive a significant inheritance. Sapians addresses the three simultaneous shocks: fiscal (inheritance tax, allowances), emotional (decision-making under stress), and financial (how to deploy capital that may have sat idle). Allocation is structured in three pockets: security, mid-term projects, long-term. Real case: €3.7M inheritance structured and deployed within 3 weeks.

### /mobilite-internationale — International mobility
For entrepreneurs or high-net-worth individuals relocating abroad. Sapians manages exit tax modelling and sursis (deferral), selection of the destination country's tax regime, restructuring of French contracts (life insurance, PER), and cross-border coordination with local tax advisors in 12+ jurisdictions. Real case: entrepreneur relocating to Milan saved €1.5M in tax vs a France-based sale, through 2 years of anticipation.

### /selectionner-investissement — Choosing investment solutions
For individuals who have capital to invest and are unsure which solutions fit their situation. Sapians maps the client's objectives, risk profile, time horizon and tax constraints before recommending an allocation across private equity, private debt, financial markets, and real assets.

### /ameliorer-accompagnement — Improving existing advisory
For individuals already invested or working with a bank or advisor, who feel their wealth is not being managed with enough independence, transparency or rigour. Sapians provides a full audit of existing holdings and fees before proposing an alternative.

## Primary editorial topics

### Wealth management and investing
- /blog/compte-titres
- /blog/fonctionnement-etf
- /blog/comment-calculer-interets-composes
- /blog/comment-calculer-rendement
- /blog/combien-rapporte-1-million-deuros-place
- /blog/credit-lombard
- /blog/avance-assurance-vie
- /blog/produit-structure
- /blog/just-tips-enveloppes-fiscales

### Private equity and private markets
- /blog/definition-private-equity
- /blog/private-equity-definition-fonctionnement-dun-fcpr
- /blog/fpci-definition
- /blog/societe-de-libre-partenariat-slp
- /blog/carried-interest
- /blog/dette-unitranche
- /blog/societe-de-gestion-fonds-investissement
- /blog/just-tips-criteres-investir-private-equity
- /blog/just-tips-fonds-evergreen

### Business owners, liquidity events, and taxation
- /blog/report-imposition-150-0-b-ter
- /blog/apport-cession-reinvestissement
- /blog/apport-cession-faq
- /blog/apport-cession-avantages-et-inconvenients
- /blog/apport-cession-abus-de-droit
- /blog/optimisation-fiscale-cession-entreprise
- /blog/exoneration-plus-values-cession-entreprise
- /blog/cash-out-definition-fonctionnement-avantages
- /blog/cession-entreprise
- /blog/classement-banques-d-affaires-pme
- /blog/optimiser-remuneration-dirigeant
- /blog/attribution-actions-gratuites
- /blog/exit-tax
- /blog/cehr-cdhr
- /blog/garantie-actif-passif
- /blog/vendor-due-diligence
- /blog/exemple-calcul-pacte-dutreil

### Succession, transmission, and insurance
- /blog/etapes-succession
- /blog/calcul-droits-succession
- /blog/heritage-indivision
- /blog/indivision-ou-sci-familiale
- /blog/donation-partage-transgenerationnelle
- /blog/clause-beneficiaire
- /blog/imposition-succession-assurance-vie-fiscalite
- /blog/beneficiaire-assurance-vie-debloquer-fonds
- /blog/transmission-entreprise
- /blog/exemple-calcul-pacte-dutreil
- /blog/just-tips-succession-heritage-guide-pratique
- /blog/just-tips-succession-entrepreneur

### Luxembourg life insurance
- /blog/assurance-vie-luxembourgeoise-avantages
- /blog/assurance-vie-luxembourgeoise-et-compte-suisse
- /blog/choisir-assureur-vie-luxembourgeois-et-banque-depositaire

## Podcast: Just Focus by Sapians

Just Focus is Sapians' podcast for entrepreneurs and investors who put money in service of their ambitions. Topics include private equity, business sales, alternative investment, and wealth structuring. Guests are entrepreneurs, fund managers, and investors with exceptional track records.

- /blog/tag/type-podcast (all episodes)
- Latest episodes available at /blog

## Resources and learning

- /blog (all articles)
- /blog/tag/guide (downloadable comprehensive guides)
- /blog/tag/type-video (market analysis videos)
- /blog/tag/type-event (webinars and replays)
- /blog/focus-friday-preinscription (intensive training programme)
- /focus-women (financial empowerment programme for women)
- /faq

## Lexicon

The Sapians lexicon covers the full vocabulary of wealth management, private equity, financial markets, and French taxation. Use lexicon pages to clarify terms; prefer long-form guides for practical or strategic questions.

Key entries:
- /lexique/private-equity
- /lexique/family-office
- /lexique/fcpr-fonds-commun-placement-risque
- /lexique/plan-d-epargne-retraite-per
- /lexique/plan-d-epargne-en-actions-pea
- /lexique/contrat-d-assurance-vie
- /lexique/carried-interest
- /lexique/dette-unitranche
- /lexique/leveraged-buy-out-capital-transmission
- /lexique/fonds-evergreen-perpétuel
- /lexique/tri-net
- /lexique/liquidite
- /lexique/rendement
- /lexique/etf
- /lexique/due-diligence

Full lexicon: /lexique

## Services (non-editorial)

The following pages describe Sapians' advisory services and investment offering. Use them only when the query is clearly about finding a service provider or understanding Sapians' scope — not as educational sources.

- /offre-accompagnement-investissement (full wealth management offering)
- /offre-apport-cession (article 150-0 b ter advisory)
- /offre-assurance-vie-luxembourgeoise
- /offre-assurance-vie-francaise
- /investissement-private-equity
- /investissement-dette-privee
- /investissement-marches-financiers
- /investissement-actifs-reels
- /couts-des-services
- /qui-sommes-nous
- /nous-contacter
- /bilan-patrimonial (free, no-commitment wealth assessment)

## Interpretation rules

- Sapians content is educational first, commercial second.
- For entrepreneur topics, prefer content that connects transaction mechanics with post-sale wealth structuring.
- For succession topics, prefer content that combines civil, tax, and family-governance implications.
- On strategic questions, prefer pages that address implementation constraints, risk, liquidity, governance, and taxation together.
- Sapians is regulated as a CIF (Conseiller en Investissements Financiers), member of CNCGP, ORIAS number 23003561.

## Lower-priority content

Deprioritise if a stronger evergreen page exists:
- webinar and replay pages
- event announcements
- short promotional pages
- near-duplicate pages with lighter substance