Club deals, tax considerations, long-term strategy… Real estate today is much more than just an investment. For Mikaël Mallet, wealth management advisor and founder of Mallet Conseils, it is becoming a key strategic tool—provided it is integrated into a coherent wealth management framework aligned with each investor’s life goals.
When an investor approaches you, where does the strategic planning begin?
It all starts with an in-depth wealth consultation. The goal is to understand the specific motivations behind the real estate project: preparing for retirement, generating supplemental income, reducing tax liability, or planning for the transfer of assets. Next, I assess their debt capacity and the existing structure of their portfolio. This allows us to establish a realistic framework for the investment, with entry points sometimes as low as 5,000 or 10,000 euros.
How do you build an investment strategy that is truly aligned with their goals?
My approach is always tailored to the individual. I don’t sell products; I build scenarios. A direct property investment may suit a tax-efficient strategy. An SCI (real estate investment company) may suit a family succession plan. A club deal might suit a strategy focused on pooled returns. The legal vehicle should never be an end in itself, but rather a tool serving a comprehensive, clear, and coherent wealth management strategy.
You also provide access to less conventional real estate solutions. Who are they intended for?
More and more investors want to break out of traditional frameworks to diversify and internationalize their assets. For example, we offer investments in high-end villas in Bali or projects in Dubai, accessible starting at €10,000. A specialized real estate investment trust in France rounds out our portfolio. These opportunities are designed for dynamic investors seeking to combine tangible assets, net returns, and strategic differentiation.
How do you ensure the security of these projects in an increasingly uncertain environment?
There is no such thing as zero risk, but there are high standards. We rigorously select our partners, conduct in-depth audits, and oversee each transaction with specialized legal counsel. Our firm remains involved throughout the entire value chain: from strategic consulting to operational implementation. Our mission is to provide clarity, a structured approach, and a long-term vision—far removed from opportunistic approaches or passing trends.
What is your philosophy of well-structured wealth management?
It is an approach that goes beyond mere returns. It is based on a long-term vision and an intelligent integration of real estate, financial, tax, and legal components. A concrete example: we advised a business owner who sold his company for €800,000. By utilizing the 150-0 B TER scheme, we optimized his tax situation, reinvested 60% in specific solutions, and 40% in a villa in Bali generating passive income. The result: a sustainable, coherent wealth portfolio aligned with his new life goals.
Far from the clichés of passive real estate or properties reserved for an elite few, Mikaël Mallet advocates for an entrepreneurial, accessible, and rigorous approach to wealth management. Vision, structuring, diversification: the true value of an investment now lies in strategic orchestration.
