Axel Osseux

• Personalized financial support: complete analysis of clients' situations (income, projects, taxation, savings) and proposals for adapted solutions (savings, insurance, financing).

• Management of a client portfolio with objectives of satisfaction, loyalty, and upselling.

• Advice on financial optimization: implementation of savings strategies, preparation for real estate projects, building initial financial assets.

• Needs analysis & identification of financial opportunities (investments, life insurance, provident schemes, loans).

• Management of current banking operations, ensuring compliance, rigor, and efficiency.

• Development and presentation of tailored financial offers according to the client's situation and objectives.

• Regulatory compliance (AML/CFT, duty of care, client protection).

• Regular achievement of commercial objectives and contribution to the agency's performance (Golden Agency 2023).

• Conducting a comprehensive diagnosis: income, taxation, savings capacity, debt, wealth objectives.

• Study of the tax level (Marginal Tax Rate, tax households) to validate the relevance of a Pinel scheme.

• Identification of levers: tax optimization, retirement preparation, wealth diversification.

• Proposal of investment solutions adapted to the client's financial and tax profile.

• Pedagogical presentation of how the Pinel scheme works (tax reductions, duration, rental conditions).