Simulators are fragmented
Most tools calculate one topic at a time. Real client cases require multiple fiscal, patrimonial, and investment dimensions to work together.
APANA ADVISOR
Produce sourced wealth recommendations in 10 minutes.
Advisor turns a client situation into calculated scenarios, fiscal explanations, and a recommendation draft ready for advisor review.
Structured advisory output
PER vs Life InsuranceScenario A
PER + SCPI + AVScenario B
Tax impactEUR 52k estimated saving
Capital projection12-year forecast
Calculated, sourced, reviewable
THE PROBLEM
Complex advice breaks when expertise, calculations, and strategy are disconnected.
Real advisory work requires more than one isolated calculation. Advisors need to understand the client case, select the right simulations, compare strategies, verify assumptions, and turn the result into a recommendation the client can understand.
Generic AI is not enough
LLMs can explain concepts fluently, but they cannot be trusted to invent tax figures, assumptions, or recommendations without deterministic checks.
Recommendations take too long
Advisors spend hours rebuilding the logic: collecting facts, testing options, checking rules, comparing scenarios, and preparing the client output.
SIMULATION ENGINE
46 deterministic simulators covering real advisory needs.
One client case activates simulators across multiple categories simultaneously — no manual rebuild required.
ADVISORY MEMENTO
A 2026 patrimonial memento built for real advisory work.
Fiscal rules, patrimonial doctrine, strategy patterns — structured, sourced, and ready to use. The AI works from a professional memento, not a blank page.
Related documentary resources
Family organization
Key parameter2026 valueReference
Inheritance tax allowance for spouse / PACS partnerFull exemptionTax Code art. 795
Compensatory payment — income tax reduction25% (EUR 30,500 cap)Tax Code art. 199 octodecies
Child support deductionEUR 6,855 / yearTax Code art. 156, II-2
Partition duty (divorce / joint ownership)1.10%Tax Code art. 746
Related articles & strategies
12 articles · French Tax Code, Civil Code, BOFiP
AI ORCHESTRATION
Describe the client case. Advisor orchestrates the reasoning.
The advisor explains the situation in natural language. Advisor qualifies the case, identifies missing information, selects the relevant simulators, and structures comparable recommendations.
Advisor
My client is 58 and just sold his company. He has EUR 450k available, wants to prepare retirement, reduce tax exposure, and start transmitting wealth to his children.
Apana Advisor
I can compare three approaches: PER and life insurance, progressive transmission, and reinvestment after the company sale. I will use the marginal tax rate calculator if you provide taxable income, marital regime, number of children, and target horizon.
Advisor
Taxable income EUR 180k, married under community regime, two children, 10-year horizon.
Apana Advisor
Scenarios are ready. The marginal tax rate calculator returns 41%, and I activated PER, life insurance, donation, usufruct, and company sale taxation simulators. I also added the main assumptions and points to review.
ADVISORY CASES
One engine. Multiple advisory cases.
Select a client case and see how Advisor combines simulators, strategy knowledge, and client-ready outputs.
Company sale scenario
Company sale scenario
Client situation
A business owner has sold his company and wants to allocate EUR 450k while preparing retirement, reducing tax exposure, and planning future transmission.
Simulators activated
Scenarios compared
A
PER + life insurance
Tax-efficient retirement preparation with flexible long-term allocation.
B
Life insurance + progressive donation
Transmission-oriented strategy with preserved liquidity and beneficiary planning.
C
Reinvestment + staged transmission
More complex strategy combining capital allocation, tax assumptions, and future family objectives.
OutputA sourced recommendation with comparable scenarios, assumptions, key figures, and advisor review points.
COMPLIANCE & TRUST
Built for advice that must be reviewed, justified, and defended.
Advisor accelerates analysis, but the advisor remains in control. Each recommendation is structured, sourced, and prepared for professional review before being shared with the client.
EU-hosted data
Infrastructure and workflows designed for wealth teams handling sensitive client information.
Deterministic calculations
Key figures come from calculators, not from free-form LLM generation.
Sourced assumptions
Calculations are linked to explicit assumptions, rules, and advisory logic.
Scenario comparison
Alternatives are presented side by side with benefits, limits, and trade-offs.
Advisor validation
The professional reviews and validates the recommendation before client delivery.
Client-ready document
Advisor prepares a clear recommendation that can be explained, reviewed, and shared.
APANA SUITE
Advisor is where the Apana workflow becomes advice.
Advisor turns structured client context into sourced recommendations that power CRM and compliance workflows.
STEP 1CAPTURE
Copilot
Copilot capturesCaptures and structures client reality.
STEP 2ANALYZE
Advisor
Advisor analyzesTurns structured facts into sourced advice.
STEP 3SECURE
Officer
Officer securesSecures CRM, compliance and execution.
One pipeline. No re-entry. No lost context.