{"id":3516,"date":"2026-03-24T19:01:26","date_gmt":"2026-03-24T18:01:26","guid":{"rendered":"https:\/\/acl-ic.com\/?page_id=3516"},"modified":"2026-10-12T14:59:59","modified_gmt":"2026-10-12T12:59:59","slug":"personnes-vulnerables","status":"publish","type":"page","link":"https:\/\/acl-ic.com\/index.php\/personnes-vulnerables\/","title":{"rendered":"Accompagnement &#038; protection des personnes vuln\u00e9rables"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"3516\" class=\"elementor elementor-3516\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-eb64944 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"eb64944\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e9f6210\" data-id=\"e9f6210\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-bb51880 elementor-widget elementor-widget-html\" data-id=\"bb51880\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<!-- ============================================================\r\n     ACL FAMILY OFFICE \u2014 Banni\u00e8re \u00ab Personnes vuln\u00e9rables \u00bb\r\n     Format de la banni\u00e8re \u00ab Habilitations \u00bb \/ \u00ab Ing\u00e9nierie \u00bb\r\n     Bloc HTML autonome, pr\u00eat pour WordPress (Custom HTML)\r\n     Wrapper : #acl-vulnerables\r\n     ============================================================ -->\r\n\r\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Cormorant+Garamond:ital,wght@0,200;0,300;0,400;0,500;1,300;1,400;1,500&family=Inter:wght@300;400;500;600&display=swap\" rel=\"stylesheet\" \/>\r\n\r\n<div id=\"acl-vulnerables\">\r\n\r\n  <!-- ============ HERO (image plein cadre) ============ -->\r\n  <header class=\"ah-hero\">\r\n    <div class=\"ah-photo\"><\/div>\r\n    <div class=\"ah-veil\"><\/div>\r\n    <div class=\"ah-hero-inner\">\r\n      <h1 class=\"ah-hero-title\">Accompagnement <br>et protection des <em><br>personnes vuln\u00e9rables<\/em><\/h1>\r\n      <div class=\"ah-aside\">\r\n        <p class=\"ah-hero-desc\">\r\n          Un accompagnement bienveillant et expert,<br>\r\n          pour prot\u00e9ger ceux qui vous sont chers.\r\n        <\/p>\r\n\r\n        <!-- Sceau Troph\u00e9e Patrimonia -->\r\n        <div class=\"ah-seal\">\r\n          <img fetchpriority=\"high\" src=\"https:\/\/acl-ic.com\/wp-content\/uploads\/2026\/10\/34fac4b3-df7a-41c0-bbe0-c4bae933c9ee-1-300x300.png\"\r\n               srcset=\"https:\/\/acl-ic.com\/wp-content\/uploads\/2026\/10\/34fac4b3-df7a-41c0-bbe0-c4bae933c9ee-1-300x300.png 300w,\r\n                       https:\/\/acl-ic.com\/wp-content\/uploads\/2026\/10\/34fac4b3-df7a-41c0-bbe0-c4bae933c9ee-1-768x768.png 768w\"\r\n               sizes=\"(max-width:640px) 84px, 116px\"\r\n               width=\"300\" height=\"300\" decoding=\"async\"\r\n               alt=\"Laur\u00e9at du Troph\u00e9e Patrimonia 2026, cat\u00e9gorie CGP le plus innovant\">\r\n        <\/div>\r\n      <\/div>\r\n\r\n    <\/div>\r\n\r\n  <\/header>\r\n\r\n<\/div>\r\n\r\n<style>\r\n\/* ============================================================\r\n   RESET\r\n   ============================================================ *\/\r\n#acl-vulnerables,\r\n#acl-vulnerables *,\r\n#acl-vulnerables *::before,\r\n#acl-vulnerables *::after {\r\n  box-sizing: border-box !important;\r\n  margin: 0 !important;\r\n  padding: 0 !important;\r\n}\r\n\r\n#acl-vulnerables {\r\n  background: #000000 !important;\r\n  color: #EFE7DA !important;\r\n  font-family: 'Inter', sans-serif !important;\r\n  -webkit-font-smoothing: antialiased !important;\r\n  -moz-osx-font-smoothing: grayscale !important;\r\n  \/* pleine largeur : casse le conteneur centr\u00e9 du th\u00e8me *\/\r\n  width: 100vw !important;\r\n  max-width: 100vw !important;\r\n  margin-left: calc(50% - 50vw) !important;\r\n  margin-right: calc(50% - 50vw) !important;\r\n  overflow: hidden !important;\r\n}\r\n\r\n#acl-vulnerables h1 {\r\n  font-family: 'Cormorant Garamond', serif !important;\r\n  text-transform: none !important;\r\n  font-weight: 300 !important;\r\n  line-height: 1.12 !important;\r\n}\r\n\r\n#acl-vulnerables em {\r\n  font-style: italic !important;\r\n  color: #d4be8a !important;\r\n  font-weight: inherit !important;\r\n}\r\n\r\n\/* ============================================================\r\n   HERO\r\n   ============================================================ *\/\r\n#acl-vulnerables .ah-hero {\r\n  position: relative !important;\r\n  aspect-ratio: 2000 \/ 975 !important;\r\n  min-height: 480px !important;\r\n  display: flex !important;\r\n  align-items: center !important;\r\n  background: #000 !important;\r\n  overflow: hidden !important;\r\n}\r\n\r\n\/* Photo plein cadre *\/\r\n#acl-vulnerables .ah-photo {\r\n  position: absolute !important;\r\n  inset: 0 !important;\r\n  z-index: 0 !important;\r\n  background-image: url('https:\/\/acl-ic.com\/wp-content\/uploads\/2026\/06\/pexels-pum-pumz-1254330126-28439653-scaled-e1781193536613.jpg') !important;\r\n  background-size: cover !important;\r\n  background-position: center right !important;\r\n  background-repeat: no-repeat !important;\r\n}\r\n\r\n\/* Voile de contraste pour le texte *\/\r\n#acl-vulnerables .ah-veil {\r\n  position: absolute !important;\r\n  inset: 0 !important;\r\n  z-index: 1 !important;\r\n  background:\r\n    linear-gradient(90deg, rgba(0,0,0,.85) 0%, rgba(0,0,0,.82) 34%, rgba(0,0,0,.4) 46%, rgba(0,0,0,0) 58%),\r\n    linear-gradient(rgba(0,0,0,.15), rgba(0,0,0,.22)) !important;\r\n}\r\n\r\n#acl-vulnerables .ah-hero-inner {\r\n  position: relative !important;\r\n  z-index: 2 !important;\r\n  width: 100% !important;\r\n  max-width: 1320px !important;\r\n  margin: 0 auto !important;\r\n  padding: 0 48px 0 clamp(56px, 6vw, 130px) !important;\r\n}\r\n\r\n#acl-vulnerables .ah-hero-title {\r\n  font-size: 78px !important;\r\n  font-weight: 300 !important;\r\n  line-height: 1.05 !important;\r\n  color: #EFE7DA !important;\r\n  max-width: 18ch !important;\r\n  text-shadow: 0 2px 24px rgba(0,0,0,.55) !important;\r\n}\r\n\r\n#acl-vulnerables .ah-hero-desc {\r\n  margin-top: 0 !important;\r\n  flex: 0 0 auto !important;   \/* largeur r\u00e9elle du texte : le sceau reste dans la zone sombre *\/\r\n  max-width: 46ch !important;\r\n  font-family: 'Inter', sans-serif !important;\r\n  font-size: 17px !important;\r\n  font-weight: 300 !important;\r\n  line-height: 1.85 !important;\r\n  color: rgba(239,231,218,.62) !important;\r\n}\r\n\r\n\/* ============================================================\r\n   SCEAU TROPH\u00c9E PATRIMONIA\r\n   Plac\u00e9 DANS LE FLUX, \u00e0 droite de la description : il occupe\r\n   l'espace sombre entre le texte et la photo, sans jamais\r\n   pouvoir chevaucher le texte quelle que soit la hauteur du hero.\r\n   Le PNG a un fond NOIR OPAQUE : le border-radius 50% d\u00e9coupe\r\n   le carr\u00e9 sur le cercle de l'artwork, sinon il se verrait.\r\n   ============================================================ *\/\r\n#acl-vulnerables .ah-aside {\r\n  display: flex !important;\r\n  align-items: center !important;\r\n  gap: clamp(30px, 3.4vw, 60px) !important;\r\n  margin-top: 30px !important;\r\n}\r\n\r\n#acl-vulnerables .ah-seal {\r\n  flex: 0 0 auto !important;\r\n}\r\n\r\n#acl-vulnerables .ah-seal img {\r\n  display: block !important;\r\n  width: 150px !important;\r\n  height: auto !important;\r\n  border-radius: 50% !important;\r\n}\r\n\r\n\/* ============================================================\r\n   RESPONSIVE\r\n   ============================================================ *\/\r\n\r\n\/* Sous 1200px, la zone sombre est trop \u00e9troite pour loger le sceau\r\n   \u00e0 droite du texte : il passe dessous, o\u00f9 le voile reste opaque. *\/\r\n@media (max-width: 1200px) {\r\n  #acl-vulnerables .ah-aside {\r\n    flex-direction: column !important;\r\n    align-items: flex-start !important;\r\n    gap: 26px !important;\r\n  }\r\n  #acl-vulnerables .ah-seal img { width: 100px !important; }\r\n}\r\n@media (max-width: 640px) {\r\n  #acl-vulnerables .ah-hero { min-height: 60vh !important; }\r\n  #acl-vulnerables .ah-hero-inner { padding: 0 24px !important; }\r\n  \/* 15vw faisait d\u00e9border \"Accompagnement\" hors de l'\u00e9cran (mot coup\u00e9 \u00e0 droite) *\/\r\n  #acl-vulnerables .ah-hero-title { font-size: clamp(30px, 11.5vw, 62px) !important; line-height: 1.02 !important; }\r\n  #acl-vulnerables .ah-hero-desc { font-size: 15px !important; }\r\n  \/* en colonne \u00e9troite, le sceau passe sous la description *\/\r\n  #acl-vulnerables .ah-aside { flex-direction: column !important; align-items: flex-start !important; gap: 22px !important; margin-top: 24px !important; }\r\n  #acl-vulnerables .ah-seal img { width: 84px !important; }\r\n}\r\n<\/style>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-fc0ba0d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"fc0ba0d\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4ab7274\" data-id=\"4ab7274\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-be5df3b elementor-widget__width-inherit elementor-widget elementor-widget-html\" data-id=\"be5df3b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div id=\"acl-vous\">\r\n\r\n  <div class=\"vous-header\">\r\n    <span class=\"vous-kicker\">\u00c0 qui nous nous adressons<\/span>\r\n    <h2 class=\"vous-title\">D\u00e9finir la personne <em>vuln\u00e9rable<\/em><\/h2>\r\n  <\/div>\r\n\r\n  <div class=\"vous-body\">\r\n\r\n    <div class=\"vous-col\">\r\n      <div class=\"vous-col-label\">La personne concern\u00e9e<\/div>\r\n      <div class=\"vous-cell\">\r\n        <span class=\"vous-cell-name\">Seniors autonomes<\/span>\r\n        <p class=\"vous-cell-desc\">qui souhaitent anticiper une perte d'autonomie et organiser leur avenir sereinement.<\/p>\r\n      <\/div>\r\n      <div class=\"vous-cell\">\r\n        <span class=\"vous-cell-name\">Personnes fragilis\u00e9es ou en perte d'autonomie<\/span>\r\n        <p class=\"vous-cell-desc\">qui ont besoin d'un tiers de confiance pour g\u00e9rer leur patrimoine.<\/p>\r\n      <\/div>\r\n      <div class=\"vous-cell\">\r\n        <span class=\"vous-cell-name\">Personne isol\u00e9e<\/span>\r\n        <p class=\"vous-cell-desc\">qui souhaite \u00eatre accompagn\u00e9e et prot\u00e9g\u00e9e.<\/p>\r\n      <\/div>\r\n      <div class=\"vous-cell\">\r\n        <span class=\"vous-cell-name\">Personne en situation de handicap<\/span>\r\n        <p class=\"vous-cell-desc\">n\u00e9cessitant un accompagnement adapt\u00e9 \u00e0 sa situation sp\u00e9cifique.<\/p>\r\n      <\/div>\r\n      <div class=\"vous-cell\">\r\n        <span class=\"vous-cell-name\">Personne sous mesure de protection ou \u00e0 prot\u00e9ger<\/span>\r\n        <p class=\"vous-cell-desc\">pour laquelle une organisation juridique et patrimoniale rigoureuse s'impose.<\/p>\r\n      <\/div>\r\n    <\/div>\r\n\r\n    <div class=\"vous-col\">\r\n      <div class=\"vous-col-label\">Entourage ou professionnel<\/div>\r\n      <div class=\"vous-cell\">\r\n        <span class=\"vous-cell-name\">Proches aidants<\/span>\r\n        <p class=\"vous-cell-desc\">confront\u00e9s \u00e0 des questions juridiques ou patrimoniales qui cherchent un appui professionnel fiable.<\/p>\r\n      <\/div>\r\n      <div class=\"vous-cell\">\r\n        <span class=\"vous-cell-name\">Tuteurs, curateurs ou MJPM<\/span>\r\n        <p class=\"vous-cell-desc\">qui ont besoin d'un expert patrimonial pour remplir leur mission dans les meilleures conditions.<\/p>\r\n      <\/div>\r\n      <div class=\"vous-cell\">\r\n        <span class=\"vous-cell-name\">Personne habilit\u00e9e<\/span>\r\n        <p class=\"vous-cell-desc\">d\u00e9sireuse d'\u00eatre accompagn\u00e9e dans la gestion patrimoniale d'un proche.<\/p>\r\n      <\/div>\r\n      <div class=\"vous-citation\">\r\n        <p class=\"vous-citation-text\">Votre situation est unique.<br>Notre accompagnement l'est aussi.<\/p>\r\n        <span class=\"vous-citation-author\">ACL Family Office<\/span>\r\n      <\/div>\r\n    <\/div>\r\n\r\n  <\/div>\r\n<\/div>\r\n\r\n<style>\r\n#acl-vous *, #acl-vous *::before, #acl-vous *::after {\r\n  box-sizing: border-box !important;\r\n  margin: 0 !important;\r\n  padding: 0 !important;\r\n}\r\n#acl-vous {\r\n  background: #000000 !important;\r\n  width: 100% !important;\r\n  font-family: 'Inter', sans-serif !important;\r\n  -webkit-font-smoothing: antialiased;\r\n  display: flex !important;\r\n  flex-direction: column !important;\r\n}\r\n\r\n\/* \u2500\u2500 En-t\u00eate (format Code 1 \u00ab Notre approche \u00bb, align\u00e9 au tableau) \u2500\u2500 *\/\r\n#acl-vous .vous-header {\r\n  padding: 50px 10px !important;\r\n  display: flex !important;\r\n  flex-direction: column !important;\r\n  text-align: left !important;\r\n}\r\n#acl-vous .vous-kicker {\r\n  display: inline-flex !important;\r\n  align-items: center !important;\r\n  font-family: 'Inter', sans-serif !important;\r\n  font-weight: 600 !important;\r\n  font-size: 12px !important;\r\n  text-transform: uppercase !important;\r\n  letter-spacing: .30em !important;\r\n  color: #bba277 !important;\r\n}\r\n#acl-vous .vous-kicker::before {\r\n  content: '' !important;\r\n  width: 38px !important;\r\n  height: 1px !important;\r\n  background: #bba277 !important;\r\n  margin-right: 20px !important;\r\n  display: block !important;\r\n  flex-shrink: 0 !important;\r\n}\r\n#acl-vous .vous-title {\r\n  font-family: 'Cormorant Garamond', Georgia, serif !important;\r\n  font-weight: 400 !important;\r\n  font-size: 62px !important;\r\n  line-height: 1.06 !important;\r\n  text-transform: none !important;\r\n  margin-top: 26px !important;\r\n  color: #EFE7DA !important;\r\n}\r\n#acl-vous .vous-title em {\r\n  font-style: italic !important;\r\n  color: #d4be8a !important;\r\n}\r\n\r\n\/* \u2500\u2500 Deux colonnes \u2500\u2500 *\/\r\n#acl-vous .vous-body {\r\n  display: grid !important;\r\n  grid-template-columns: 1fr 1fr !important;\r\n  margin: 0 10px 80px !important;\r\n  border: 1px solid rgba(187,162,119,.25) !important;\r\n}\r\n\r\n\/* \u2500\u2500 Colonne \u2500\u2500 *\/\r\n#acl-vous .vous-col {\r\n  display: flex !important;\r\n  flex-direction: column !important;\r\n}\r\n#acl-vous .vous-col:first-child {\r\n  border-right: 1px solid rgba(187,162,119,.25) !important;\r\n}\r\n\r\n\/* Label de cat\u00e9gorie *\/\r\n#acl-vous .vous-col-label {\r\n  padding: 22px 40px !important;\r\n  font-family: 'Inter', sans-serif !important;\r\n  font-size: 13px !important;\r\n  font-weight: 600 !important;\r\n  letter-spacing: .24em !important;\r\n  text-transform: uppercase !important;\r\n  color: #bba277 !important;\r\n  border-bottom: 1px solid rgba(187,162,119,.25) !important;\r\n}\r\n\r\n\/* \u2500\u2500 Cellule \u2500\u2500 *\/\r\n#acl-vous .vous-cell {\r\n  padding: 28px 40px 32px 48px !important;\r\n  border-bottom: 1px solid rgba(239,231,218,.1) !important;\r\n  display: flex !important;\r\n  flex-direction: column !important;\r\n  gap: 10px !important;\r\n  position: relative !important;\r\n  cursor: default !important;\r\n  transition: background .4s !important;\r\n  background: transparent !important;\r\n}\r\n#acl-vous .vous-col:first-child .vous-cell:last-child {\r\n  border-bottom: none !important;\r\n}\r\n#acl-vous .vous-cell:hover {\r\n  background: rgba(239,231,218,.03) !important;\r\n}\r\n\r\n\/* Barre verticale dor\u00e9e au hover *\/\r\n#acl-vous .vous-cell::before {\r\n  content: '' !important;\r\n  position: absolute !important;\r\n  left: 0 !important;\r\n  top: 50% !important;\r\n  transform: translateY(-50%) !important;\r\n  width: 2px !important;\r\n  height: 0 !important;\r\n  background: #bba277 !important;\r\n  transition: height .45s cubic-bezier(.16,1,.3,1) !important;\r\n}\r\n#acl-vous .vous-cell:hover::before { height: 60% !important; }\r\n\r\n\/* Trait dor\u00e9 bas *\/\r\n#acl-vous .vous-cell::after {\r\n  content: '' !important;\r\n  position: absolute !important;\r\n  bottom: 0 !important;\r\n  left: 0 !important;\r\n  width: 0 !important;\r\n  height: 1px !important;\r\n  background: #bba277 !important;\r\n  transition: width .5s cubic-bezier(.16,1,.3,1) !important;\r\n}\r\n#acl-vous .vous-cell:hover::after { width: 100% !important; }\r\n\r\n\/* Nom du profil *\/\r\n#acl-vous .vous-cell-name {\r\n  font-family: 'Cormorant Garamond', Georgia, serif !important;\r\n  font-size: 25px !important;\r\n  font-weight: 300 !important;\r\n  color: #EFE7DA !important;\r\n  line-height: 1.2 !important;\r\n  text-transform: none !important;\r\n}\r\n\r\n\/* Description *\/\r\n#acl-vous .vous-cell-desc {\r\n  font-family: 'Inter', sans-serif !important;\r\n  font-size: 15px !important;\r\n  font-weight: 300 !important;\r\n  color: rgba(239,231,218,.55) !important;\r\n  line-height: 1.8 !important;\r\n  text-transform: none !important;\r\n}\r\n\r\n\/* \u2500\u2500 Citation \u2500\u2500 *\/\r\n#acl-vous .vous-citation {\r\n  flex: 1 !important;\r\n  display: flex !important;\r\n  flex-direction: column !important;\r\n  align-items: center !important;\r\n  justify-content: center !important;\r\n  gap: 18px !important;\r\n  padding: 44px 48px !important;\r\n}\r\n#acl-vous .vous-citation-text {\r\n  font-family: 'Cormorant Garamond', Georgia, serif !important;\r\n  font-size: 25px !important;\r\n  font-weight: 300 !important;\r\n  font-style: italic !important;\r\n  color: rgba(212,190,138,.7) !important;\r\n  line-height: 1.55 !important;\r\n  text-align: center !important;\r\n  text-transform: none !important;\r\n}\r\n#acl-vous .vous-citation-author {\r\n  font-family: 'Inter', sans-serif !important;\r\n  font-size: 12px !important;\r\n  font-weight: 600 !important;\r\n  letter-spacing: .22em !important;\r\n  text-transform: uppercase !important;\r\n  color: rgba(187,162,119,.5) !important;\r\n}\r\n<\/style>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-21fea6e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"21fea6e\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e3ac319\" data-id=\"e3ac319\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c54dbd6 elementor-widget elementor-widget-html\" data-id=\"c54dbd6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<!-- ACL Family Office \u2014 Section \"La conviction\" (citation) -->\r\n<!-- Bloc autonome pour widget HTML Elementor \u00b7 wrapper unique #acl-conviction -->\r\n\r\n<div id=\"acl-conviction\">\r\n  <style>\r\n    @import url('https:\/\/fonts.googleapis.com\/css2?family=Cormorant+Garamond:ital,wght@0,300;0,400;0,500;1,300;1,400&family=Inter:wght@300;400;500;600&display=swap');\r\n\r\n    #acl-conviction *,\r\n    #acl-conviction *::before,\r\n    #acl-conviction *::after{ margin:0 !important; padding:0 !important; box-sizing:border-box !important; }\r\n\r\n    #acl-conviction{\r\n      background:#EDE6D8 !important; color:#1c1a17 !important;\r\n      font-family:'Inter',sans-serif !important;\r\n      -webkit-font-smoothing:antialiased !important; -moz-osx-font-smoothing:grayscale !important;\r\n      padding:130px 100px !important; overflow:hidden !important;\r\n    }\r\n    #acl-conviction .acl-wrap{ max-width:900px !important; margin:0 auto !important; text-align:center !important; }\r\n\r\n    #acl-conviction .acl-mark{\r\n      font-family:'Cormorant Garamond',serif !important; font-weight:500 !important;\r\n      font-size:96px !important; line-height:.5 !important; color:#bba277 !important;\r\n      display:block !important;\r\n    }\r\n    #acl-conviction .acl-quote{\r\n      font-family:'Cormorant Garamond',serif !important; font-weight:400 !important;\r\n      font-size:66px !important; line-height:1.18 !important; letter-spacing:.005em !important;\r\n      color:#1c1a17 !important; text-transform:none !important; margin-top:34px !important;\r\n      border:none !important; border-left:0 !important; background:none !important; quotes:none !important;\r\n    }\r\n    #acl-conviction .acl-quote::before,\r\n    #acl-conviction .acl-quote::after{ content:none !important; }\r\n    #acl-conviction .acl-cite{\r\n      font-family:'Inter',sans-serif !important; font-weight:600 !important;\r\n      font-size:12px !important; letter-spacing:.30em !important; text-transform:uppercase !important;\r\n      color:#bba277 !important; margin-top:52px !important;\r\n    }\r\n\r\n    @media (max-width:900px){\r\n      #acl-conviction{ padding:90px 22px !important; }\r\n      #acl-conviction .acl-mark{ font-size:74px !important; }\r\n      #acl-conviction .acl-quote{ font-size:44px !important; }\r\n    }\r\n    @media (max-width:560px){\r\n      #acl-conviction{ padding:70px 18px !important; }\r\n      #acl-conviction .acl-mark{ font-size:60px !important; }\r\n      #acl-conviction .acl-quote{ font-size:33px !important; }\r\n      #acl-conviction .acl-cite{ margin-top:40px !important; }\r\n    }\r\n  <\/style>\r\n\r\n  <div class=\"acl-wrap\">\r\n    <span class=\"acl-mark\">&ldquo;<\/span>\r\n    <blockquote class=\"acl-quote\">Un patrimoine non accompagn\u00e9 est un patrimoine expos\u00e9. Notre r\u00f4le est de l&rsquo;anticiper avec vous et pour vous.<\/blockquote>\r\n    <div class=\"acl-cite\">ACL Family Office<\/div>\r\n  <\/div>\r\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a73832d elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"a73832d\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-56c7c49\" data-id=\"56c7c49\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-20e4949 elementor-widget__width-initial elementor-widget elementor-widget-html\" data-id=\"20e4949\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<!-- ACL Family Office \u2014 Section \"Notre approche\" (accueil) -->\r\n<!-- Bloc autonome pour widget HTML Elementor \u00b7 wrapper unique #acl-approche -->\r\n\r\n<div id=\"acl-approche\">\r\n  <style>\r\n    @import url('https:\/\/fonts.googleapis.com\/css2?family=Cormorant+Garamond:ital,wght@0,300;0,400;0,500;1,300;1,400&family=Inter:wght@300;400;500;600&display=swap');\r\n\r\n    #acl-approche *,\r\n    #acl-approche *::before,\r\n    #acl-approche *::after{ margin:0 !important; padding:0 !important; box-sizing:border-box !important; }\r\n\r\n    #acl-approche{\r\n      --gold:#bba277; --gold-lt:#d4be8a;\r\n      --panel-bg:rgba(187,162,119,.90); --panel-ink:#211d15; --card-bg:#202020;\r\n      --hairline:rgba(187,162,119,.16); --card-edge:rgba(187,162,119,.26);\r\n      --cream:#EFE7DA; --ivory-80:rgba(239,231,218,.82); --ivory-55:rgba(239,231,218,.55);\r\n      background:#202020 !important; color:var(--cream) !important;\r\n      font-family:'Inter',sans-serif !important; font-weight:300 !important;\r\n      -webkit-font-smoothing:antialiased !important; -moz-osx-font-smoothing:grayscale !important;\r\n      padding:100px 100px !important; overflow:hidden !important;\r\n    }\r\n    #acl-approche .acl-wrap{ max-width:1180px !important; margin:0 auto !important; }\r\n\r\n    \/* ---------- intro header ---------- *\/\r\n    #acl-approche .acl-intro{ margin-bottom:54px !important; text-align:left !important; }\r\n    #acl-approche .acl-eyebrow{ display:inline-flex !important; align-items:center !important; font-family:'Inter',sans-serif !important; font-weight:600 !important; font-size:12px !important; text-transform:uppercase !important; letter-spacing:.30em !important; color:#bba277 !important; }\r\n    #acl-approche .acl-eyebrow::before{ content:'' !important; width:38px !important; height:1px !important; background:#bba277 !important; margin-right:20px !important; }\r\n    #acl-approche .acl-title{ font-family:'Cormorant Garamond',serif !important; font-weight:400 !important; font-size:62px !important; line-height:1.06 !important; text-transform:none !important; margin-top:26px !important; color:var(--cream) !important; }\r\n    #acl-approche .acl-title em{ font-style:italic !important; color:#d4be8a !important; }\r\n    #acl-approche .acl-sub{ font-family:'Inter',sans-serif !important; font-weight:300 !important; font-size:16px !important; line-height:1.7 !important; color:rgba(239,231,218,.74) !important; margin:22px 0 0 !important; }\r\n\r\n    \/* ---------- one section (axe) ---------- *\/\r\n    #acl-approche .acl-axe{ display:grid !important; grid-template-columns:355px 1fr !important; gap:20px !important; margin-bottom:20px !important; align-items:stretch !important; }\r\n\r\n    \/* ---------- GOLD left panel ---------- *\/\r\n    #acl-approche .acl-panel{ position:relative !important; background:var(--panel-bg) !important; border:1px solid rgba(33,29,21,.18) !important; padding:46px 46px !important; display:flex !important; flex-direction:column !important; }\r\n    #acl-approche .acl-num{ font-family:'Cormorant Garamond',serif !important; font-weight:400 !important; font-size:76px !important; line-height:1 !important; letter-spacing:.04em !important; color:var(--panel-ink) !important; }\r\n    #acl-approche .acl-panel-title{ font-family:'Cormorant Garamond',serif !important; font-size:33px !important; font-weight:400 !important; line-height:1.14 !important; text-transform:none !important; color:var(--panel-ink) !important; margin-top:30px !important; }\r\n    #acl-approche .acl-panel-title::before{ content:'' !important; display:block !important; width:46px !important; height:1px !important; background:rgba(33,29,21,.45) !important; margin-bottom:30px !important; }\r\n\r\n    \/* ---------- right : stacked expertise cards ---------- *\/\r\n    #acl-approche .acl-cards{ display:flex !important; flex-direction:column !important; gap:20px !important; align-self:start !important; }\r\n    #acl-approche .acl-card{ position:relative !important; background:var(--card-bg) !important; border:1px solid var(--card-edge) !important; padding:34px 42px 34px 20px !important; display:grid !important; grid-template-columns:60px 1fr !important; column-gap:40px !important; }\r\n    #acl-approche .acl-card::after{ content:'' !important; position:absolute !important; top:0 !important; bottom:0 !important; left:100px !important; width:1px !important; background:rgba(187,162,119,.28) !important; }\r\n    #acl-approche .acl-card > :not(.acl-ic){ grid-column:2 !important; padding-left:22px !important; }\r\n    #acl-approche .acl-ic{ grid-column:1 !important; grid-row:1 \/ span 3 !important; justify-self:center !important; align-self:center !important; width:56px !important; height:56px !important; flex-shrink:0 !important; display:flex !important; align-items:center !important; justify-content:center !important; }\r\n    #acl-approche .acl-ic svg{ width:32px !important; height:32px !important; fill:none !important; stroke:var(--gold-lt) !important; stroke-width:1.3 !important; stroke-linecap:round !important; stroke-linejoin:round !important; }\r\n    #acl-approche .acl-card h3{ font-family:'Inter',sans-serif !important; font-size:15px !important; font-weight:600 !important; letter-spacing:.01em !important; color:var(--gold-lt) !important; text-transform:none !important; margin-bottom:14px !important; }\r\n    #acl-approche .acl-card-intro{ font-family:'Inter',sans-serif !important; font-size:15px !important; line-height:1.5 !important; color:var(--ivory-80) !important; margin-bottom:24px !important; }\r\n    #acl-approche .acl-list{ list-style:none !important; }\r\n    #acl-approche .acl-list li{ display:flex !important; align-items:baseline !important; gap:14px !important; font-family:'Inter',sans-serif !important; font-size:15px !important; line-height:1.5 !important; color:var(--ivory-55) !important; padding:14px 0 !important; border-bottom:1px solid var(--hairline) !important; }\r\n    #acl-approche .acl-list li:last-child{ border-bottom:none !important; padding-bottom:0 !important; }\r\n    #acl-approche .acl-list li::before{ content:'\u2014' !important; color:var(--gold) !important; flex-shrink:0 !important; }\r\n\r\n    \/* ---------- sticky dot navigation ---------- *\/\r\n    #acl-approche .acl-dotnav{ position:fixed !important; left:50px !important; top:50% !important; transform:translateY(-50%) !important; display:flex !important; flex-direction:column !important; gap:30px !important; z-index:20 !important; opacity:0 !important; pointer-events:none !important; transition:opacity .6s ease !important; }\r\n    #acl-approche .acl-dotnav.is-visible{ opacity:1 !important; pointer-events:auto !important; }\r\n    #acl-approche .acl-dotnav::before{ content:'' !important; position:absolute !important; left:5px !important; top:6px !important; bottom:6px !important; width:1px !important; background:linear-gradient(to bottom, rgba(187,162,119,0), rgba(187,162,119,.32) 20%, rgba(187,162,119,.32) 80%, rgba(187,162,119,0)) !important; }\r\n    #acl-approche .acl-dot{ position:relative !important; display:flex !important; align-items:center !important; cursor:pointer !important; background:none !important; border:none !important; }\r\n    #acl-approche .acl-dot span{ width:11px !important; height:11px !important; border-radius:50% !important; border:1px solid rgba(187,162,119,.45) !important; background:#202020 !important; flex-shrink:0 !important; transition:background .5s ease, box-shadow .5s ease, transform .5s ease, border-color .5s ease !important; }\r\n    #acl-approche .acl-dot:hover span{ border-color:rgba(212,190,138,.85) !important; }\r\n    #acl-approche .acl-dot.is-active span{ background:var(--gold-lt) !important; border-color:var(--gold-lt) !important; box-shadow:0 0 0 4px rgba(212,190,138,.14), 0 0 14px rgba(212,190,138,.55) !important; transform:scale(1.1) !important; }\r\n\r\n    @media (max-width:900px){\r\n      #acl-approche{ padding:80px 22px !important; }\r\n      #acl-approche .acl-dotnav{ display:none !important; }\r\n      #acl-approche .acl-axe{ grid-template-columns:1fr !important; }\r\n      #acl-approche .acl-panel{ padding:36px !important; }\r\n      #acl-approche .acl-panel-title{ font-size:28px !important; }\r\n      #acl-approche .acl-card{ padding:28px 26px !important; }\r\n      #acl-approche .acl-title{ font-size:44px !important; }\r\n    }\r\n    @media (max-width:560px){\r\n      #acl-approche{ padding:64px 18px !important; }\r\n      #acl-approche .acl-title{ font-size:34px !important; }\r\n    }\r\n  <\/style>\r\n\r\n  <nav class=\"acl-dotnav\" aria-hidden=\"true\">\r\n    <button class=\"acl-dot is-active\" data-target=\"acl-axe-0\"><span><\/span><\/button>\r\n    <button class=\"acl-dot\" data-target=\"acl-axe-1\"><span><\/span><\/button>\r\n    <button class=\"acl-dot\" data-target=\"acl-axe-2\"><span><\/span><\/button>\r\n  <\/nav>\r\n\r\n  <div class=\"acl-wrap\">\r\n\r\n    <div class=\"acl-intro\">\r\n      <div class=\"acl-eyebrow\">Notre approche<\/div>\r\n      <h2 class=\"acl-title\">Un regard bienveillant,<br><em>une expertise transversale<\/em><\/h2>\r\n      <p class=\"acl-sub\">Accompagner les personnes vuln\u00e9rables ne se limite pas \u00e0 l'aide quotidienne. Nous proposons un accompagnement global int\u00e9grant un soutien humain et personnalis\u00e9, une protection juridique adapt\u00e9e et un conseil en gestion et s\u00e9curisation du patrimoine.<\/p>\r\n    <\/div>\r\n\r\n    <!-- ===== I \u2014 PROT\u00c9GER ===== -->\r\n    <section class=\"acl-axe\" id=\"acl-axe-0\">\r\n      <div class=\"acl-panel\">\r\n        <div class=\"acl-num\">I<\/div>\r\n        <h3 class=\"acl-panel-title\">Protection<br><em>juridique<\/em><\/h3>\r\n      <\/div>\r\n      <div class=\"acl-cards\">\r\n        <div class=\"acl-card\">\r\n          <div class=\"acl-ic\"><svg viewBox=\"0 0 24 24\"><circle cx=\"10.5\" cy=\"10.5\" r=\"6.5\"\/><path d=\"M15.5 15.5 21 21\"\/><path d=\"M8 10.5l1.8 1.8 3.2-3.6\"\/><\/svg><\/div>\r\n          <h3>Diagnostic juridique personnalis\u00e9<\/h3>\r\n          <p class=\"acl-card-intro\">Nous r\u00e9alisons une analyse compl\u00e8te de la situation afin d'identifier les zones de fragilit\u00e9 et les risques de vuln\u00e9rabilit\u00e9.<\/p>\r\n          <ul class=\"acl-list\">\r\n            <li>Capacit\u00e9 juridique et situation familiale<\/li>\r\n            <li>Organisation patrimoniale actuelle<\/li>\r\n            <li>Risques de vuln\u00e9rabilit\u00e9 ou d'abus<\/li>\r\n          <\/ul>\r\n        <\/div>\r\n        <div class=\"acl-card\">\r\n          <div class=\"acl-ic\"><svg viewBox=\"0 0 24 24\"><path d=\"M3 21h18\"\/><path d=\"M5 21V9m4.7 12V9m4.6 12V9M19 21V9\"\/><path d=\"M3.5 9 12 3l8.5 6Z\"\/><\/svg><\/div>\r\n          <h3>Mise en place de dispositifs de protection<\/h3>\r\n          <p class=\"acl-card-intro\">Selon la situation, nous orientons et accompagnons la mise en place des dispositifs les plus adapt\u00e9s.<\/p>\r\n          <ul class=\"acl-list\">\r\n            <li>Mandat de protection future<\/li>\r\n            <li>Habilitation familiale<\/li>\r\n            <li>Tutelle \/ Curatelle (orientation et accompagnement)<\/li>\r\n            <li>R\u00e9daction ou mise \u00e0 jour de procurations<\/li>\r\n            <li>Anticipation successorale (donation, d\u00e9membrement)<\/li>\r\n          <\/ul>\r\n          <p class=\"acl-card-intro\" style=\"margin-top:24px !important; margin-bottom:0 !important;\">Nous travaillons en lien avec notaires, avocats et magistrats lorsque n\u00e9cessaire.<\/p>\r\n        <\/div>\r\n      <\/div>\r\n    <\/section>\r\n\r\n    <!-- ===== II \u2014 S\u00c9CURISER ===== -->\r\n    <section class=\"acl-axe\" id=\"acl-axe-1\">\r\n      <div class=\"acl-panel\">\r\n        <div class=\"acl-num\">II<\/div>\r\n        <h3 class=\"acl-panel-title\">S\u00e9curiser<br><em>le patrimoine<\/em><\/h3>\r\n      <\/div>\r\n      <div class=\"acl-cards\">\r\n        <div class=\"acl-card\">\r\n          <div class=\"acl-ic\"><svg viewBox=\"0 0 24 24\"><path d=\"M12 3 4 6v5c0 5 3.4 8 8 10 4.6-2 8-5 8-10V6l-8-3Z\"\/><path d=\"M9 11.5l2 2 4-4.2\"\/><\/svg><\/div>\r\n          <h3>Gestion et protection des actifs<\/h3>\r\n          <p class=\"acl-card-intro\">Nous mettons en place des dispositifs adapt\u00e9s pour prot\u00e9ger et g\u00e9rer le patrimoine de la personne vuln\u00e9rable dans la dur\u00e9e.<\/p>\r\n          <ul class=\"acl-list\">\r\n            <li>Inventaire et cartographie des actifs<\/li>\r\n            <li>Gestion s\u00e9curis\u00e9e des comptes et placements<\/li>\r\n            <li>Pr\u00e9vention des abus de faiblesse<\/li>\r\n            <li>Suivi et reporting patrimonial r\u00e9gulier<\/li>\r\n          <\/ul>\r\n        <\/div>\r\n        <div class=\"acl-card\">\r\n          <div class=\"acl-ic\"><svg viewBox=\"0 0 24 24\"><circle cx=\"12\" cy=\"8\" r=\"4\"\/><path d=\"M4.5 21v-1a7.5 7.5 0 0 1 15 0v1\"\/><\/svg><\/div>\r\n          <h3>Accompagnement dans la dur\u00e9e<\/h3>\r\n          <p class=\"acl-card-intro\">Nous assurons un suivi continu et personnalis\u00e9 pour adapter notre accompagnement \u00e0 l'\u00e9volution de la situation.<\/p>\r\n          <ul class=\"acl-list\">\r\n            <li>Point de situation r\u00e9gulier avec la personne et ses proches<\/li>\r\n            <li>Coordination avec les professionnels du soin<\/li>\r\n            <li>Adaptation des dispositifs en cas de changement de situation<\/li>\r\n          <\/ul>\r\n        <\/div>\r\n      <\/div>\r\n    <\/section>\r\n\r\n    <!-- ===== III \u2014 TRANSMETTRE ===== -->\r\n    <section class=\"acl-axe\" id=\"acl-axe-2\">\r\n      <div class=\"acl-panel\">\r\n        <div class=\"acl-num\">III<\/div>\r\n        <h3 class=\"acl-panel-title\">Organisation<br><em>successorale<\/em><\/h3>\r\n      <\/div>\r\n      <div class=\"acl-cards\">\r\n        <div class=\"acl-card\">\r\n          <div class=\"acl-ic\"><svg viewBox=\"0 0 24 24\"><circle cx=\"5\" cy=\"7\" r=\"2.3\"\/><path d=\"M1 20v-1.4a4 4 0 0 1 8 0V20\"\/><circle cx=\"19\" cy=\"7\" r=\"2.3\"\/><path d=\"M15 20v-1.4a4 4 0 0 1 8 0V20\"\/><circle cx=\"12\" cy=\"13\" r=\"1.9\"\/><path d=\"M9 20.5v-.9a3 3 0 0 1 6 0v.9\"\/><\/svg><\/div>\r\n          <h3>Protection des int\u00e9r\u00eats familiaux<\/h3>\r\n          <p class=\"acl-card-intro\">Nous veillons \u00e0 l'\u00e9quilibre entre la protection de la personne vuln\u00e9rable et l'\u00e9quit\u00e9 familiale, en int\u00e9grant toutes les dimensions humaines de la situation.<\/p>\r\n          <ul class=\"acl-list\">\r\n            <li>Protection des int\u00e9r\u00eats de la personne vuln\u00e9rable<\/li>\r\n            <li>\u00c9quilibre entre protection et \u00e9quit\u00e9 familiale<\/li>\r\n            <li>Prise en compte des situations individuelles des h\u00e9ritiers<\/li>\r\n          <\/ul>\r\n        <\/div>\r\n        <div class=\"acl-card\">\r\n          <div class=\"acl-ic\"><svg viewBox=\"0 0 24 24\"><path d=\"M12 4v16M6 20h12\"\/><path d=\"M4.5 7.5h15\"\/><path d=\"M4.5 7.5 2 13.5a2.8 2.8 0 0 0 5 0L4.5 7.5Zm15 0L17 13.5a2.8 2.8 0 0 0 5 0L19.5 7.5Z\"\/><circle cx=\"12\" cy=\"4.5\" r=\"1.2\"\/><\/svg><\/div>\r\n          <h3>M\u00e9diation patrimoniale<\/h3>\r\n          <p class=\"acl-card-intro\">Nous intervenons en amont des conflits pour pr\u00e9server l'harmonie familiale et s\u00e9curiser la transmission dans les meilleures conditions.<\/p>\r\n          <ul class=\"acl-list\">\r\n            <li>Pr\u00e9vention des conflits successoraux<\/li>\r\n            <li>M\u00e9diation patrimoniale si n\u00e9cessaire<\/li>\r\n            <li>Recherche de coh\u00e9rence et de continuit\u00e9 familiale<\/li>\r\n          <\/ul>\r\n        <\/div>\r\n      <\/div>\r\n    <\/section>\r\n\r\n  <\/div>\r\n\r\n  <script>\r\n  (function () {\r\n    var root = document.getElementById('acl-approche');\r\n    if (!root) return;\r\n    var dots = Array.prototype.slice.call(root.querySelectorAll('.acl-dot'));\r\n    var nav  = root.querySelector('.acl-dotnav');\r\n    var axes = dots.map(function (d) { return document.getElementById(d.getAttribute('data-target')); 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font-weight:600 !important; letter-spacing:.22em !important; text-transform:uppercase !important; color:rgba(239,231,218,.5) !important; text-decoration:none !important; transition:color .3s ease !important; }\r\n    #acl-engagements .acl-link::after{ content:'\\2192' !important; font-size:15px !important; letter-spacing:0 !important; transition:transform .3s ease !important; }\r\n    #acl-engagements .acl-link:hover{ color:var(--gold-lt) !important; text-decoration:underline !important; text-underline-offset:5px !important; text-decoration-thickness:1px !important; }\r\n    #acl-engagements .acl-link:hover::after{ transform:translateX(4px) !important; }\r\n\r\n    @media (max-width:900px){\r\n      #acl-engagements{ padding:80px 22px !important; }\r\n      #acl-engagements .acl-title{ font-size:44px !important; }\r\n      #acl-engagements .acl-grid{ grid-template-columns:1fr 1fr !important; }\r\n      #acl-engagements .acl-card.is-feature{ grid-row:auto !important; }\r\n      #acl-engagements .acl-card{ min-height:280px !important; }\r\n    }\r\n    @media (max-width:560px){\r\n      #acl-engagements{ padding:64px 18px !important; }\r\n      #acl-engagements .acl-title{ font-size:34px !important; }\r\n      #acl-engagements .acl-grid{ grid-template-columns:1fr !important; }\r\n      #acl-engagements .acl-card{ min-height:0 !important; padding:30px 28px 36px !important; }\r\n    }\r\n  <\/style>\r\n\r\n  <div class=\"acl-wrap\">\r\n\r\n    <div class=\"acl-head\">\r\n      <div class=\"acl-eyebrow\">Nos valeurs<\/div>\r\n      <h2 class=\"acl-title\">Nos <em>engagements<\/em> envers vous<\/h2>\r\n    <\/div>\r\n\r\n    <div class=\"acl-grid\">\r\n\r\n      <!-- carte \"feature\" (gauche, sur 2 lignes) -->\r\n      <article class=\"acl-card is-feature\">\r\n        <div class=\"acl-num\">01<\/div>\r\n        <h3>Approche humaine et sur-mesure<\/h3>\r\n        <p class=\"acl-intro\">Chaque famille est singuli\u00e8re. Nous prenons le temps de comprendre votre situation dans sa globalit\u00e9, tels que vos projets, vos contraintes et vos valeurs avant de construire quoi que ce soit.<\/p>\r\n        <a class=\"acl-photo\" href=\"https:\/\/acl-ic.com\/index.php\/equipe\/\" aria-label=\"Notre \u00e9quipe\">\r\n          <span class=\"acl-photo-overlay\"><span class=\"acl-photo-cta\">Notre \u00e9quipe<\/span><\/span>\r\n        <\/a>\r\n      <\/article>\r\n\r\n      <article class=\"acl-card\">\r\n        <div class=\"acl-num\">02<\/div>\r\n        <h3>Ind\u00e9pendance totale<\/h3>\r\n        <p class=\"acl-intro\">Nous ne sommes li\u00e9s \u00e0 aucun \u00e9tablissement financier. Nos recommandations ne servent donc qu'un seul but : vos int\u00e9r\u00eats.<\/p>\r\n        <a class=\"acl-link\" href=\"https:\/\/acl-ic.com\/index.php\/mentions-legales\/\">Mentions l\u00e9gales<\/a>\r\n      <\/article>\r\n\r\n      <article class=\"acl-card\">\r\n        <div class=\"acl-num\">03<\/div>\r\n        <h3>Comp\u00e9tence technique et juridique<\/h3>\r\n        <p class=\"acl-intro\">Droit patrimonial, ing\u00e9nierie financi\u00e8re, fiscalit\u00e9 : nous mobilisons une expertise pluridisciplinaire pour que chaque d\u00e9cision soit adapt\u00e9e \u00e0 vos objectifs.<\/p>\r\n        <a class=\"acl-link\" href=\"https:\/\/acl-ic.com\/index.php\/habilitations-professionnelles\/\">Nos habilitations<\/a>\r\n      <\/article>\r\n\r\n      <article class=\"acl-card\">\r\n        <div class=\"acl-num\">04<\/div>\r\n        <h3>Vision \u00e0 long terme<\/h3>\r\n        <p class=\"acl-intro\">Nous pensons en d\u00e9cennies, pas en ann\u00e9es. Chaque strat\u00e9gie est b\u00e2tie pour durer et \u00e9voluer avec vous, au fil des \u00e9tapes de votre vie.<\/p>\r\n      <\/article>\r\n\r\n      <article class=\"acl-card\">\r\n        <div class=\"acl-num\">05<\/div>\r\n        <h3>Confidentialit\u00e9 absolue<\/h3>\r\n        <p class=\"acl-intro\">Votre famille, votre patrimoine, vos projets. La discr\u00e9tion est le fondement m\u00eame de notre m\u00e9tier.<\/p>\r\n        <a class=\"acl-link\" href=\"https:\/\/acl-ic.com\/index.php\/politique-de-confidentialite\/\">Politique de confidentialit\u00e9<\/a>\r\n      <\/article>\r\n\r\n    <\/div>\r\n  <\/div>\r\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e415d7e elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"e415d7e\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a4dbcca\" data-id=\"a4dbcca\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b1addf2 elementor-widget elementor-widget-html\" data-id=\"b1addf2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<!-- ACL Family Office \u2014 En-t\u00eate de section \"Publications\" -->\r\n<!-- Bloc autonome pour widget HTML Elementor \u00b7 wrapper unique #acl-publications -->\r\n\r\n<div id=\"acl-publications\">\r\n  <style>\r\n    @import url('https:\/\/fonts.googleapis.com\/css2?family=Cormorant+Garamond:ital,wght@0,300;0,400;0,500;1,300;1,400;1,500&family=Inter:wght@300;400;500;600&display=swap');\r\n\r\n    #acl-publications *,\r\n    #acl-publications *::before,\r\n    #acl-publications *::after{ margin:0 !important; padding:0 !important; box-sizing:border-box !important; }\r\n\r\n    #acl-publications{\r\n      --gold:#bba277; --gold-lt:#d4be8a;\r\n      --cream:#EFE7DA; --muted:rgba(239,231,218,.60);\r\n      background:#000 !important; color:var(--cream) !important;\r\n      font-family:'Inter',sans-serif !important; font-weight:300 !important;\r\n      -webkit-font-smoothing:antialiased !important; -moz-osx-font-smoothing:grayscale !important;\r\n      padding:0px 0 50px 100px !important; overflow:hidden !important;\r\n    }\r\n\r\n    #acl-publications .acl-head{ text-align:left !important; }\r\n\r\n    #acl-publications .acl-eyebrow{\r\n      display:inline-flex !important; align-items:center !important;\r\n      font-family:'Inter',sans-serif !important; font-weight:600 !important;\r\n      font-size:12px !important; text-transform:uppercase !important;\r\n      letter-spacing:.30em !important; color:var(--gold) !important;\r\n    }\r\n    #acl-publications .acl-eyebrow::before{\r\n      content:'' !important; width:38px !important; height:1px !important;\r\n      background:var(--gold) !important; margin-right:20px !important;\r\n    }\r\n\r\n    #acl-publications .acl-title{\r\n      font-family:'Cormorant Garamond',serif !important; font-weight:400 !important;\r\n      font-size:62px !important; line-height:1.06 !important; text-transform:none !important;\r\n      margin-top:26px !important; color:var(--cream) !important;\r\n    }\r\n    #acl-publications .acl-title em{ font-style:italic !important; color:var(--gold-lt) !important; }\r\n\r\n    #acl-publications .acl-intro{\r\n      font-family:'Inter',sans-serif !important; font-size:15px !important; font-weight:300 !important;\r\n      line-height:1.72 !important; color:var(--muted) !important;\r\n      margin-top:22px !important; max-width:90ch !important;\r\n    }\r\n\r\n    @media (max-width:900px){\r\n      #acl-publications{ padding:72px 0 40px 40px !important; }\r\n      #acl-publications .acl-title{ font-size:44px !important; }\r\n    }\r\n    @media (max-width:560px){\r\n      #acl-publications{ padding:56px 0 32px 20px !important; }\r\n      #acl-publications .acl-title{ font-size:34px !important; }\r\n    }\r\n  <\/style>\r\n\r\n  <div class=\"acl-head\">\r\n    <div class=\"acl-eyebrow\">Actualit\u00e9s<\/div>\r\n    <h2 class=\"acl-title\">Nos <em>publications<\/em> sur ce sujet<\/h2>\r\n    <p class=\"acl-intro\">Interventions, prises de parole et analyses publi\u00e9es sur ce domaine d'expertise.<\/p>\r\n  <\/div>\r\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-fdd86f4 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"fdd86f4\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6a42e13\" data-id=\"6a42e13\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e0d0014 elementor-widget elementor-widget-shortcode\" data-id=\"e0d0014\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><style type='text\/css' media='all'>#rt-tpg-container-2546439018 .rt-holder .rt-woo-info .price{color:#0367bf;}body .rt-tpg-container .rt-tpg-isotope-buttons .selected,\n\t\t\t\t\t#rt-tpg-container-2546439018 .layout12 .rt-holder:hover .rt-detail,\n\t\t\t\t\t#rt-tpg-container-2546439018 .isotope8 .rt-holder:hover .rt-detail,\n\t\t\t\t\t#rt-tpg-container-2546439018 .carousel8 .rt-holder:hover .rt-detail,\n\t\t\t\t\t#rt-tpg-container-2546439018 .layout13 .rt-holder .overlay .post-info,\n\t\t\t\t\t#rt-tpg-container-2546439018 .isotope9 .rt-holder .overlay .post-info,\n\t\t\t\t\t#rt-tpg-container-2546439018.rt-tpg-container .layout4 .rt-holder .rt-detail,\n\t\t\t\t\t.rt-modal-2546439018 .md-content,\n\t\t\t\t\t.rt-modal-2546439018 .md-content > .rt-md-content-holder .rt-md-content,\n\t\t\t\t\t.rt-popup-wrap-2546439018.rt-popup-wrap .rt-popup-navigation-wrap,\n\t\t\t\t\t#rt-tpg-container-2546439018 .carousel9 .rt-holder .overlay .post-info{background-color:#0367bf;}#rt-tpg-container-2546439018 .layout5 .rt-holder .overlay, #rt-tpg-container-2546439018 .isotope2 .rt-holder .overlay, #rt-tpg-container-2546439018 .carousel2 .rt-holder .overlay,#rt-tpg-container-2546439018 .layout15 .rt-holder h3, #rt-tpg-container-2546439018 .isotope11 .rt-holder h3, #rt-tpg-container-2546439018 .carousel11 .rt-holder h3, #rt-tpg-container-2546439018 .layout16 .rt-holder h3,\n\t\t\t\t\t#rt-tpg-container-2546439018 .isotope12 .rt-holder h3, #rt-tpg-container-2546439018 .carousel12 .rt-holder h3 {background-color:rgba(3,103,191,0.8);}#rt-tpg-container-2546439018 .read-more a{border-radius:px;}#rt-tpg-container-2546439018 .rt-img-holder img.rt-img-responsive,#rt-tpg-container-2546439018 .rt-img-holder,\n\t\t\t\t\t#rt-tpg-container-2546439018 .rt-post-overlay .post-img,\n\t\t\t\t\t#rt-tpg-container-2546439018 .post-sm .post-img,\n\t\t\t\t\t#rt-tpg-container-2546439018 .rt-post-grid .post-img,\n\t\t\t\t\t#rt-tpg-container-2546439018 .post-img img {border-radius:px;}<\/style><div class='rt-container-fluid rt-tpg-container tpg-shortcode-main-wrapper  loading' id='rt-tpg-container-2546439018'   data-layout='layout1' data-grid-style='even' data-desktop-col='3'  data-tab-col='2'  data-mobile-col='1' data-sc-id='4888'><div id=\"bottom-script-loader\" class=\"bottom-script-loader\"><div class=\"rt-ball-clip-rotate\"><div><\/div><\/div><\/div><div data-title='Loading ...' class='rt-row rt-content-loader   layout1 tpg-even '><div class=\"rt-col-md-4 rt-col-sm-6 rt-col-xs-12 even-grid-item rt-grid-item\" data-id=\"4844\"><div class=\"rt-holder\"><div class=\"rt-img-holder\"><a data-id=\"4844\" class=\"\" href=\"http:\/\/acl-ic.com\/wp-content\/uploads\/2026\/09\/Personnes-vulnerables-la-zone-grise-du-conseil.pdf\" target='_blank'><img decoding=\"async\" width=\"1024\" height=\"1037\" src=\"https:\/\/acl-ic.com\/wp-content\/uploads\/2026\/09\/pexels-ron-lach-8453428-1-1-scaled-e1788791416755-1024x1037.jpg\" class=\"rt-img-responsive \" alt=\"\" \/><\/a><\/div><div class='rt-detail'><h3 class=\"entry-title\"><a data-id=\"4844\" class=\"\" href=\"http:\/\/acl-ic.com\/wp-content\/uploads\/2026\/09\/Personnes-vulnerables-la-zone-grise-du-conseil.pdf\" target='_blank'>Personnes vuln\u00e9rables, la zone grise du conseil<\/a><\/h3><div class='post-meta-user  '><span class='date'>17 octobre 2025<\/span><span class='categories-links'><a class=\"personnes-vulnerables\" href=\"https:\/\/acl-ic.com\/index.php\/category\/personnes-vulnerables\/\" rel=\"tag\">Personnes vuln\u00e9rables<\/a><\/span><\/div><div class='tpg-excerpt'>Entre 800 000 et 1 million de personnes majeures font aujourd\u2019hui l'objet de mesures de...<\/div><\/div><\/div><\/div><\/div><\/div><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2b48e7a elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"2b48e7a\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-93a36c6\" data-id=\"93a36c6\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4278b5b elementor-widget elementor-widget-html\" data-id=\"4278b5b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<!-- ACL Family Office \u2014 Section \"FAQ\" (accueil) -->\r\n<!-- Bloc autonome pour widget HTML Elementor \u00b7 wrapper unique #acl-faq -->\r\n\r\n<div id=\"acl-faq\">\r\n  <style>\r\n    @import url('https:\/\/fonts.googleapis.com\/css2?family=Cormorant+Garamond:ital,wght@0,300;0,400;0,500;1,300;1,400&family=Inter:wght@300;400;500;600&display=swap');\r\n\r\n    #acl-faq *,\r\n    #acl-faq *::before,\r\n    #acl-faq *::after{ margin:0 !important; padding:0 !important; box-sizing:border-box !important; }\r\n\r\n    #acl-faq{\r\n      --gold:#bba277; --gold-lt:#d4be8a;\r\n      --cream:#EFE7DA; --muted:rgba(239,231,218,.58); --line:rgba(187,162,119,.20);\r\n      background:#202020 !important; color:var(--cream) !important;\r\n      font-family:'Inter',sans-serif !important; font-weight:300 !important;\r\n      -webkit-font-smoothing:antialiased !important; -moz-osx-font-smoothing:grayscale !important;\r\n      padding:100px 100px !important; overflow:hidden !important;\r\n    }\r\n    #acl-faq .acl-wrap{ max-width:1180px !important; margin:0 auto !important; }\r\n\r\n    #acl-faq .acl-faqgrid{ display:grid !important; grid-template-columns:380px 1fr !important; gap:90px !important; align-items:start !important; }\r\n    \/* min-width:0 : sans quoi le rail de cat\u00e9gories (nowrap) \u00e9largit la grille sur mobile *\/\r\n    #acl-faq .acl-faqgrid > *{ min-width:0 !important; }\r\n\r\n    \/* ---------- colonne gauche : titre + navigation ---------- *\/\r\n    #acl-faq .acl-head{ text-align:left !important; }\r\n    #acl-faq .acl-eyebrow{ display:inline-flex !important; align-items:center !important; font-family:'Inter',sans-serif !important; font-weight:600 !important; font-size:12px !important; text-transform:uppercase !important; letter-spacing:.30em !important; color:var(--gold) !important; }\r\n    #acl-faq .acl-eyebrow::before{ content:'' !important; width:38px !important; height:1px !important; background:var(--gold) !important; margin-right:20px !important; }\r\n    #acl-faq .acl-title{ font-family:'Cormorant Garamond',serif !important; font-weight:400 !important; font-size:54px !important; line-height:1.05 !important; text-transform:none !important; margin-top:24px !important; color:var(--cream) !important; }\r\n    #acl-faq .acl-title em{ font-style:italic !important; color:var(--gold-lt) !important; }\r\n\r\n    #acl-faq .acl-nav{ margin-top:38px !important; display:flex !important; flex-direction:column !important; border-left:1px solid var(--line) !important; }\r\n    #acl-faq .acl-cat{ position:relative !important; background:none !important; border:none !important; cursor:pointer !important; text-align:left 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letter-spacing:.08em !important; color:rgba(187,162,119,.55) !important; }\r\n\r\n    #acl-faq .acl-note{ font-family:'Inter',sans-serif !important; font-size:14px !important; font-weight:300 !important; line-height:1.7 !important; color:var(--muted) !important; margin-top:38px !important; max-width:300px !important; }\r\n    #acl-faq .acl-note a{ color:var(--gold-lt) !important; text-decoration:none !important; border-bottom:1px solid rgba(212,190,138,.4) !important; }\r\n\r\n    \/* ---------- colonne droite : accord\u00e9on ---------- *\/\r\n    #acl-faq .acl-list{ border-top:1px solid var(--line) !important; min-height:430px !important; opacity:1 !important; transition:opacity .25s ease !important; }\r\n    #acl-faq .acl-list.is-swap{ opacity:0 !important; }\r\n    #acl-faq .acl-item{ border-bottom:1px solid var(--line) !important; }\r\n    #acl-faq .acl-item.is-hidden{ display:none !important; }\r\n    #acl-faq .acl-q{ width:100% !important; background:none !important; border:none !important; cursor:pointer !important; text-align:left !important; display:flex !important; align-items:center !important; gap:28px !important; padding:30px 4px !important; color:var(--cream) !important; transition:color .3s ease !important; }\r\n    #acl-faq .acl-q:hover{ color:var(--gold-lt) !important; }\r\n    #acl-faq .acl-qtext{ flex:1 !important; font-family:'Inter',sans-serif !important; font-weight:500 !important; font-size:18px !important; line-height:1.4 !important; letter-spacing:.005em !important; text-transform:none !important; }\r\n    #acl-faq .acl-item.is-open .acl-q{ color:var(--gold-lt) !important; }\r\n\r\n    \/* ic\u00f4ne plus \/ moins *\/\r\n    #acl-faq .acl-ic{ position:relative !important; width:18px !important; height:18px !important; flex-shrink:0 !important; }\r\n    #acl-faq .acl-ic::before, #acl-faq .acl-ic::after{ content:'' !important; position:absolute !important; top:50% !important; left:50% !important; background:var(--gold) !important; transition:transform .35s ease, background .3s ease !important; }\r\n    #acl-faq .acl-ic::before{ width:18px !important; height:1.5px !important; transform:translate(-50%,-50%) !important; }\r\n    #acl-faq .acl-ic::after{ width:1.5px !important; height:18px !important; transform:translate(-50%,-50%) !important; }\r\n    #acl-faq .acl-item.is-open .acl-ic::after{ transform:translate(-50%,-50%) scaleY(0) !important; }\r\n    #acl-faq .acl-item.is-open .acl-ic::before{ background:var(--gold-lt) !important; }\r\n\r\n    #acl-faq .acl-a{ overflow:hidden !important; max-height:0 !important; transition:max-height .5s cubic-bezier(.4,0,.2,1) !important; }\r\n    #acl-faq .acl-ainner{ font-family:'Inter',sans-serif !important; font-size:15px !important; font-weight:300 !important; line-height:1.78 !important; color:var(--muted) !important; padding:0 60px 34px 4px !important; max-width:60ch !important; }\r\n\r\n    \/* --- mise en forme interne des r\u00e9ponses --- *\/\r\n    #acl-faq .acl-ainner p + p{ margin-top:15px !important; }\r\n    #acl-faq .acl-ainner ul{ list-style:none !important; margin:14px 0 0 0 !important; padding:0 !important; }\r\n    #acl-faq .acl-ainner ul + p{ margin-top:15px !important; }\r\n    #acl-faq .acl-ainner li{ position:relative !important; padding-left:22px !important; margin-top:9px !important; }\r\n    #acl-faq .acl-ainner li:first-child{ margin-top:0 !important; }\r\n    #acl-faq .acl-ainner li::before{ content:'' !important; position:absolute !important; left:2px !important; top:.82em !important; width:7px !important; height:1px !important; background:var(--gold) !important; opacity:.85 !important; }\r\n    #acl-faq .acl-ainner strong{ font-weight:500 !important; color:rgba(239,231,218,.86) !important; }\r\n    #acl-faq .acl-ainner a{ color:var(--gold-lt) !important; text-decoration:none !important; border-bottom:1px solid rgba(212,190,138,.4) !important; }\r\n    #acl-faq .acl-sub{ display:block !important; font-family:'Inter',sans-serif !important; font-size:12px !important; font-weight:600 !important; letter-spacing:.16em !important; text-transform:uppercase !important; color:var(--gold) !important; margin-top:22px !important; margin-bottom:8px !important; }\r\n    #acl-faq .acl-ainner > .acl-sub:first-child{ margin-top:0 !important; }\r\n\r\n    @media (max-width:980px){\r\n      #acl-faq{ padding:80px 22px !important; }\r\n      #acl-faq .acl-faqgrid{ grid-template-columns:1fr !important; gap:34px !important; }\r\n      #acl-faq .acl-title{ font-size:42px !important; }\r\n      #acl-faq .acl-list{ min-height:0 !important; }\r\n      #acl-faq .acl-nav{ flex-direction:row !important; border-left:none !important; border-bottom:1px solid var(--line) !important; margin-top:30px !important; gap:26px !important; overflow-x:auto !important; -webkit-overflow-scrolling:touch !important; scrollbar-width:none !important; }\r\n      #acl-faq .acl-nav::-webkit-scrollbar{ display:none !important; }\r\n      #acl-faq .acl-cat{ padding:0 0 14px 0 !important; white-space:nowrap !important; flex-shrink:0 !important; }\r\n      #acl-faq .acl-cat::before{ left:0 !important; top:auto !important; bottom:-1px !important; width:100% !important; height:1px !important; transform:scaleX(0) !important; }\r\n      #acl-faq .acl-cat.is-active::before{ transform:scaleX(1) !important; }\r\n      #acl-faq .acl-note{ max-width:none !important; margin-top:30px !important; }\r\n    }\r\n    @media (max-width:560px){\r\n      #acl-faq{ padding:64px 18px !important; }\r\n      #acl-faq .acl-title{ font-size:34px !important; }\r\n      #acl-faq .acl-qtext{ font-size:16px !important; }\r\n      #acl-faq .acl-q{ padding:26px 4px !important; gap:18px !important; }\r\n      #acl-faq .acl-ainner{ padding-right:20px !important; }\r\n      #acl-faq .acl-cat .acl-n{ display:none !important; }\r\n    }\r\n  <\/style>\r\n\r\n  <div class=\"acl-wrap\">\r\n    <section class=\"acl-faqgrid\">\r\n\r\n      <div class=\"acl-head\">\r\n        <div class=\"acl-eyebrow\">Questions fr\u00e9quentes<\/div>\r\n        <h2 class=\"acl-title\">Vos questions,<br>nos <em>r\u00e9ponses<\/em>.<\/h2>\r\n\r\n        <nav class=\"acl-nav\">\r\n          <button class=\"acl-cat is-active\" data-cat=\"metier\">Le family office <span class=\"acl-n\">04<\/span><\/button>\r\n          <button class=\"acl-cat\" data-cat=\"accompagnement\">Notre accompagnement <span class=\"acl-n\">04<\/span><\/button>\r\n          <button class=\"acl-cat\" data-cat=\"honoraires\">Honoraires &amp; ind\u00e9pendance <span class=\"acl-n\">03<\/span><\/button>\r\n          <button class=\"acl-cat\" data-cat=\"confiance\">Confiance &amp; r\u00e9seau <span class=\"acl-n\">03<\/span><\/button>\r\n        <\/nav>\r\n\r\n        <p class=\"acl-note\">Vous ne trouvez pas la r\u00e9ponse \u00e0 votre question ? <a href=\"https:\/\/acl-ic.com\/index.php\/contact\/\">\u00c9crivez-nous<\/a>, nous nous effor\u00e7ons de vous r\u00e9pondre dans les meilleurs d\u00e9lais.<\/p>\r\n      <\/div>\r\n\r\n      <div class=\"acl-list\">\r\n\r\n        <!-- ============ 1 \u00b7 LE FAMILY OFFICE ============ -->\r\n        <div class=\"acl-item\" data-cat=\"metier\">\r\n          <button class=\"acl-q\"><span class=\"acl-qtext\">Qu'est-ce qu'un family office ?<\/span><span class=\"acl-ic\"><\/span><\/button>\r\n          <div class=\"acl-a\"><div class=\"acl-ainner\">\r\n            <p>Un family office est un partenaire de confiance qui accompagne les d\u00e9tenteurs d'un patrimoine dans sa gestion \u2014 organisation, s\u00e9curisation et transmission \u2014 sur le court comme sur le long terme.<\/p>\r\n            <p>Au-del\u00e0 de la gestion patrimoniale, son r\u00f4le est de coordonner l'ensemble des enjeux juridiques, fiscaux et familiaux, afin d'assurer la protection et la p\u00e9rennit\u00e9 du patrimoine.<\/p>\r\n          <\/div><\/div>\r\n        <\/div>\r\n\r\n        <div class=\"acl-item\" data-cat=\"metier\">\r\n          <button class=\"acl-q\"><span class=\"acl-qtext\">Quelle est la diff\u00e9rence entre un mono-family office et un multi-family office ?<\/span><span class=\"acl-ic\"><\/span><\/button>\r\n          <div class=\"acl-a\"><div class=\"acl-ainner\">\r\n            <p>On distingue deux mod\u00e8les :<\/p>\r\n            <ul>\r\n              <li>le <strong>mono-family office<\/strong>, d\u00e9di\u00e9 \u00e0 une seule famille ;<\/li>\r\n              <li>le <strong>multi-family office<\/strong>, qui accompagne plusieurs familles en mutualisant les expertises.<\/li>\r\n            <\/ul>\r\n            <p>ACL Family Office est un multi-family office ind\u00e9pendant.<\/p>\r\n          <\/div><\/div>\r\n        <\/div>\r\n\r\n        <div class=\"acl-item\" data-cat=\"metier\">\r\n          <button class=\"acl-q\"><span class=\"acl-qtext\">\u00c0 qui s'adresse un family office ?<\/span><span class=\"acl-ic\"><\/span><\/button>\r\n          <div class=\"acl-a\"><div class=\"acl-ainner\">\r\n            <p>Nous nous adressons \u00e0 des profils vari\u00e9s, r\u00e9unis par un m\u00eame besoin : organiser, prot\u00e9ger ou transmettre un patrimoine existant. Notre approche est personnalis\u00e9e et humaine, fond\u00e9e sur la proximit\u00e9 et la compr\u00e9hension des enjeux propres \u00e0 chaque situation.<\/p>\r\n            <p>Nous intervenons notamment aupr\u00e8s :<\/p>\r\n            <ul>\r\n              <li>des particuliers et des familles souhaitant organiser, structurer et transmettre leur patrimoine ;<\/li>\r\n              <li>des personnes vuln\u00e9rables et de leurs aidants, pour les prot\u00e9ger et les accompagner ;<\/li>\r\n              <li>des dirigeants et chefs d'entreprise, sur les enjeux patrimoniaux et de transmission ;<\/li>\r\n              <li>des conseillers en gestion de patrimoine (CGP), en appui de leur accompagnement.<\/li>\r\n            <\/ul>\r\n            <p>Nous intervenons partout en France.<\/p>\r\n          <\/div><\/div>\r\n        <\/div>\r\n\r\n        <div class=\"acl-item\" data-cat=\"metier\">\r\n          <button class=\"acl-q\"><span class=\"acl-qtext\">Qu'est-ce que l'ing\u00e9nierie patrimoniale ?<\/span><span class=\"acl-ic\"><\/span><\/button>\r\n          <div class=\"acl-a\"><div class=\"acl-ainner\">\r\n            <p>L'ing\u00e9nierie patrimoniale consiste \u00e0 organiser, structurer et optimiser un patrimoine en coordonnant ses dimensions juridiques, fiscales et financi\u00e8res. L'objectif : donner \u00e0 votre patrimoine une organisation claire, coh\u00e9rente et durable, align\u00e9e sur vos projets de vie.<\/p>\r\n          <\/div><\/div>\r\n        <\/div>\r\n\r\n        <!-- ============ 2 \u00b7 NOTRE ACCOMPAGNEMENT ============ -->\r\n        <div class=\"acl-item is-hidden\" data-cat=\"accompagnement\">\r\n          <button class=\"acl-q\"><span class=\"acl-qtext\">Quels sont vos domaines d'intervention ?<\/span><span class=\"acl-ic\"><\/span><\/button>\r\n          <div class=\"acl-a\"><div class=\"acl-ainner\">\r\n            <p>Notre accompagnement couvre notamment :<\/p>\r\n            <ul>\r\n              <li>l'ing\u00e9nierie patrimoniale (structuration, protection et transmission du patrimoine) ;<\/li>\r\n              <li>l'accompagnement et la protection des personnes vuln\u00e9rables ;<\/li>\r\n              <li>la pr\u00e9voyance patrimoniale ;<\/li>\r\n              <li>la cartographie et la gestion des risques ;<\/li>\r\n              <li>la gouvernance familiale et d'entreprise ;<\/li>\r\n              <li>l'approche internationale.<\/li>\r\n            <\/ul>\r\n            <p>Nous proposons \u00e9galement :<\/p>\r\n            <ul>\r\n              <li>des formations et enseignements de niveau master sur ces sujets ;<\/li>\r\n              <li>des prestations de service d\u00e9di\u00e9es aux conseillers en gestion de patrimoine (CGP).<\/li>\r\n            <\/ul>\r\n          <\/div><\/div>\r\n        <\/div>\r\n\r\n        <div class=\"acl-item is-hidden\" data-cat=\"accompagnement\">\r\n          <button class=\"acl-q\"><span class=\"acl-qtext\">Quand faut-il se faire accompagner ?<\/span><span class=\"acl-ic\"><\/span><\/button>\r\n          <div class=\"acl-a\"><div class=\"acl-ainner\">\r\n            <span class=\"acl-sub\">Par anticipation<\/span>\r\n            <p>Il n'y a pas de \u00ab bon moment \u00bb unique : on peut faire appel \u00e0 un family office \u00e0 tout moment de la vie patrimoniale. Cela peut \u00eatre en amont, pour anticiper les situations de vuln\u00e9rabilit\u00e9, ou une fois celles-ci survenues. L'id\u00e9al reste toutefois d'anticiper : plus une situation est pr\u00e9par\u00e9e en amont, plus les solutions possibles sont nombreuses.<\/p>\r\n            <span class=\"acl-sub\">Une fois la situation survenue<\/span>\r\n            <ul>\r\n              <li>une \u00e9volution familiale : mariage, divorce, naissance, arriv\u00e9e d'un proche vuln\u00e9rable, d\u00e9c\u00e8s ;<\/li>\r\n              <li>une \u00e9tape cl\u00e9 de la vie : pr\u00e9paration de la retraite, anticipation d'une d\u00e9pendance ;<\/li>\r\n              <li>un \u00e9v\u00e9nement patrimonial : vente d'entreprise, cession d'actifs, r\u00e9ception d'un h\u00e9ritage ou d'une donation ;<\/li>\r\n              <li>un patrimoine devenu complexe : actifs dispers\u00e9s, dimension internationale, manque de lisibilit\u00e9 ;<\/li>\r\n              <li>un projet de transmission : organiser la succession et prot\u00e9ger ses proches dans les meilleures conditions.<\/li>\r\n            <\/ul>\r\n            <p>Dans tous les cas, un premier rendez-vous gratuit et sans engagement permet de faire le point sur votre situation et de d\u00e9terminer si un accompagnement est pertinent pour vous.<\/p>\r\n          <\/div><\/div>\r\n        <\/div>\r\n\r\n        <div class=\"acl-item is-hidden\" data-cat=\"accompagnement\">\r\n          <button class=\"acl-q\"><span class=\"acl-qtext\">Comment se d\u00e9roule notre accompagnement ?<\/span><span class=\"acl-ic\"><\/span><\/button>\r\n          <div class=\"acl-a\"><div class=\"acl-ainner\">\r\n            <p>Tout commence par une prise de contact via le <a href=\"https:\/\/acl-ic.com\/index.php\/contact\/\">formulaire de contact<\/a> du site.<\/p>\r\n            <p>Nous organisons ensuite un premier rendez-vous, gratuit et sans engagement, en pr\u00e9sentiel ou \u00e0 distance selon vos disponibilit\u00e9s. Cet entretien nous permet de comprendre votre situation patrimoniale, vos enjeux et vos objectifs.<\/p>\r\n            <p>Sur cette base, nous vous proposons un accompagnement structur\u00e9, adapt\u00e9 \u00e0 votre profil et \u00e0 vos besoins.<\/p>\r\n          <\/div><\/div>\r\n        <\/div>\r\n\r\n        <div class=\"acl-item is-hidden\" data-cat=\"accompagnement\">\r\n          <button class=\"acl-q\"><span class=\"acl-qtext\">Quelle est la dur\u00e9e d'engagement ?<\/span><span class=\"acl-ic\"><\/span><\/button>\r\n          <div class=\"acl-a\"><div class=\"acl-ainner\">\r\n            <p>Il n'y a pas de dur\u00e9e impos\u00e9e : l'accompagnement s'adapte \u00e0 vos besoins. Il peut prendre la forme d'une mission ponctuelle, sur un sujet pr\u00e9cis (une transmission, la protection d'un proche, la structuration d'un patrimoine\u2026), ou d'un accompagnement dans la dur\u00e9e, pour suivre et faire \u00e9voluer votre situation au fil du temps.<\/p>\r\n            <p>Les modalit\u00e9s et la dur\u00e9e sont d\u00e9finies avec vous, en toute transparence, avant tout engagement.<\/p>\r\n          <\/div><\/div>\r\n        <\/div>\r\n\r\n        <!-- ============ 3 \u00b7 HONORAIRES & IND\u00c9PENDANCE ============ -->\r\n        <div class=\"acl-item is-hidden\" data-cat=\"honoraires\">\r\n          <button class=\"acl-q\"><span class=\"acl-qtext\">Combien co\u00fbte un accompagnement ?<\/span><span class=\"acl-ic\"><\/span><\/button>\r\n          <div class=\"acl-a\"><div class=\"acl-ainner\">\r\n            <p>Chaque accompagnement \u00e9tant unique, il n'existe pas de tarif standard.<\/p>\r\n            <p>Le premier rendez-vous est gratuit et sans engagement : il nous permet de cerner vos besoins. Nous vous proposons ensuite un devis personnalis\u00e9, avant tout engagement de votre part.<\/p>\r\n          <\/div><\/div>\r\n        <\/div>\r\n\r\n        <div class=\"acl-item is-hidden\" data-cat=\"honoraires\">\r\n          <button class=\"acl-q\"><span class=\"acl-qtext\">Comment un family office est-il r\u00e9mun\u00e9r\u00e9 ?<\/span><span class=\"acl-ic\"><\/span><\/button>\r\n          <div class=\"acl-a\"><div class=\"acl-ainner\">\r\n            <p>En tant que multi-family office, ACL Initiative Conseil privil\u00e9gie une r\u00e9mun\u00e9ration par honoraires, r\u00e9gl\u00e9s directement par ses clients. C'est la garantie d'un conseil objectif et align\u00e9 sur vos int\u00e9r\u00eats.<\/p>\r\n            <p>Selon la nature de la mission et les statuts r\u00e9glementaires mobilis\u00e9s, une r\u00e9mun\u00e9ration sous forme de commissions peut s'ajouter (par exemple en tant que courtier en assurance ou dans le cadre d'un d\u00e9marchage bancaire et financier). Dans ce cas, le montant de ces commissions vous est toujours communiqu\u00e9 avant toute souscription, en toute transparence.<\/p>\r\n            <p>Le d\u00e9tail de notre mode de r\u00e9mun\u00e9ration, statut par statut, est pr\u00e9cis\u00e9 dans notre convention de mission.<\/p>\r\n          <\/div><\/div>\r\n        <\/div>\r\n\r\n        <div class=\"acl-item is-hidden\" data-cat=\"honoraires\">\r\n          <button class=\"acl-q\"><span class=\"acl-qtext\">\u00cates-vous r\u00e9ellement ind\u00e9pendants ?<\/span><span class=\"acl-ic\"><\/span><\/button>\r\n          <div class=\"acl-a\"><div class=\"acl-ainner\">\r\n            <p>Oui. Nous ne commercialisons aucun produit maison et ne sommes li\u00e9s \u00e0 aucun \u00e9tablissement financier. Nos recommandations ne servent qu'une seule boussole : vos int\u00e9r\u00eats, sans conflit d'int\u00e9r\u00eat.<\/p>\r\n          <\/div><\/div>\r\n        <\/div>\r\n\r\n        <!-- ============ 4 \u00b7 CONFIANCE & R\u00c9SEAU ============ -->\r\n        <div class=\"acl-item is-hidden\" data-cat=\"confiance\">\r\n          <button class=\"acl-q\"><span class=\"acl-qtext\">Travaillez-vous avec d'autres experts ?<\/span><span class=\"acl-ic\"><\/span><\/button>\r\n          <div class=\"acl-a\"><div class=\"acl-ainner\">\r\n            <p>Oui. L'un des r\u00f4les cl\u00e9s d'un family office est justement de coordonner l'ensemble des expertises n\u00e9cessaires \u00e0 votre situation. Plut\u00f4t que de vous adresser s\u00e9par\u00e9ment \u00e0 chaque interlocuteur, nous faisons le lien entre eux pour vous garantir une approche coh\u00e9rente et globale.<\/p>\r\n            <p>Selon vos besoins, nous collaborons notamment avec :<\/p>\r\n            <ul>\r\n              <li>des notaires, pour les actes et la transmission ;<\/li>\r\n              <li>des avocats, sur les questions juridiques et fiscales ;<\/li>\r\n              <li>des experts-comptables et fiscalistes ;<\/li>\r\n              <li>des banquiers et gestionnaires d'actifs ;<\/li>\r\n              <li>des conseillers en gestion de patrimoine (CGP) ;<\/li>\r\n              <li>ainsi que tout sp\u00e9cialiste requis par votre situation (assurance, immobilier, dimension internationale\u2026).<\/li>\r\n            <\/ul>\r\n            <p>Nous pouvons travailler avec vos interlocuteurs habituels ou vous orienter vers des experts de confiance de notre r\u00e9seau. Dans tous les cas, nous restons votre interlocuteur unique, garant de la vision d'ensemble et de la bonne articulation de chaque intervention.<\/p>\r\n          <\/div><\/div>\r\n        <\/div>\r\n\r\n        <div class=\"acl-item is-hidden\" data-cat=\"confiance\">\r\n          <button class=\"acl-q\"><span class=\"acl-qtext\">Un family office peut-il g\u00e9rer un patrimoine international ?<\/span><span class=\"acl-ic\"><\/span><\/button>\r\n          <div class=\"acl-a\"><div class=\"acl-ainner\">\r\n            <p>Oui. De nombreuses familles d\u00e9tiennent aujourd'hui des actifs \u00e0 l'\u00e9tranger, ont des membres expatri\u00e9s ou une dimension internationale dans leur patrimoine. Ces situations soul\u00e8vent des enjeux juridiques et fiscaux sp\u00e9cifiques, souvent complexes.<\/p>\r\n            <p>Nous vous accompagnons sur ces probl\u00e9matiques et coordonnons, si n\u00e9cessaire, des experts locaux (fiscalit\u00e9, droit, transmission) dans les pays concern\u00e9s, afin d'assurer une approche coh\u00e9rente et s\u00e9curis\u00e9e, quelle que soit la localisation de vos biens ou de vos proches.<\/p>\r\n          <\/div><\/div>\r\n        <\/div>\r\n\r\n        <div class=\"acl-item is-hidden\" data-cat=\"confiance\">\r\n          <button class=\"acl-q\"><span class=\"acl-qtext\">Comment garantissez-vous la confidentialit\u00e9 de mes informations ?<\/span><span class=\"acl-ic\"><\/span><\/button>\r\n          <div class=\"acl-a\"><div class=\"acl-ainner\">\r\n            <p>La confidentialit\u00e9 est au c\u0153ur de notre m\u00e9tier. Les sujets patrimoniaux et familiaux touchent \u00e0 votre intimit\u00e9 : nous les traitons avec la plus grande discr\u00e9tion.<\/p>\r\n            <p>Toutes les informations que vous nous confiez restent strictement confidentielles et ne sont jamais partag\u00e9es sans votre accord. Lorsque l'intervention d'autres experts est n\u00e9cessaire, elle se fait avec votre autorisation et dans le seul cadre de votre accompagnement.<\/p>\r\n          <\/div><\/div>\r\n        <\/div>\r\n\r\n      <\/div>\r\n    <\/section>\r\n  <\/div>\r\n\r\n  <script>\r\n  (function () {\r\n    var root = document.getElementById('acl-faq');\r\n    if (!root) return;\r\n\r\n    var list  = root.querySelector('.acl-list');\r\n    var items = Array.prototype.slice.call(root.querySelectorAll('.acl-item'));\r\n    var cats  = Array.prototype.slice.call(root.querySelectorAll('.acl-cat'));\r\n\r\n    \/* setProperty(...,'important') : indispensable, le CSS du bloc\r\n       d\u00e9clare max-height:0 !important pour r\u00e9sister aux th\u00e8mes WordPress *\/\r\n    function setHeight(item, open) {\r\n      var a = item.querySelector('.acl-a');\r\n      var h = open ? 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'true' : 'false');\r\n      setHeight(item, open);\r\n    }\r\n\r\n    \/* --- accord\u00e9on : une seule r\u00e9ponse ouverte \u00e0 la fois --- *\/\r\n    items.forEach(function (item) {\r\n      var btn = item.querySelector('.acl-q');\r\n      btn.setAttribute('type', 'button');\r\n      btn.setAttribute('aria-expanded', 'false');\r\n      btn.addEventListener('click', function () {\r\n        var isOpen = item.classList.contains('is-open');\r\n        items.forEach(function (o) { if (o !== item) openItem(o, false); });\r\n        openItem(item, !isOpen);\r\n      });\r\n    });\r\n\r\n    \/* --- changement de cat\u00e9gorie : tout reste ferm\u00e9 --- *\/\r\n    function showCat(key) {\r\n      items.forEach(function (item) {\r\n        item.classList.toggle('is-hidden', item.getAttribute('data-cat') !== key);\r\n        openItem(item, false);\r\n      });\r\n    }\r\n\r\n    cats.forEach(function (cat) {\r\n      cat.setAttribute('type', 'button');\r\n      cat.addEventListener('click', function () {\r\n        if (cat.classList.contains('is-active')) return;\r\n        cats.forEach(function (c) { c.classList.remove('is-active'); });\r\n        cat.classList.add('is-active');\r\n        list.classList.add('is-swap');\r\n        setTimeout(function () {\r\n          showCat(cat.getAttribute('data-cat'));\r\n          list.classList.remove('is-swap');\r\n        }, 250);\r\n      });\r\n    });\r\n\r\n    window.addEventListener('resize', function () {\r\n      items.forEach(function (item) { setHeight(item, item.classList.contains('is-open')); });\r\n    });\r\n  })();\r\n  <\/script>\r\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6a23d47 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6a23d47\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-98095b3\" data-id=\"98095b3\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c114927 elementor-widget elementor-widget-html\" data-id=\"c114927\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>\r\n.acl-kicker{\r\n  display:inline-flex;\r\n  align-items:center;\r\n  gap:14px;\r\n  font-family:'Inter',sans-serif;\r\n  font-size:12px;\r\n  font-weight:600;\r\n  letter-spacing:0.28em;\r\n  text-transform:uppercase;\r\n  color:#bba277;\r\n}\r\n.acl-kicker::before{\r\n  content:'';\r\n  width:38px;\r\n  height:1px;\r\n  background:#bba277;\r\n}\r\n<\/style>\r\n\r\n<span class=\"acl-kicker\">PREMIER \u00e9change<\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8d8dff6 elementor-widget elementor-widget-heading\" data-id=\"8d8dff6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Parlons de vous.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f795ceb elementor-widget elementor-widget-text-editor\" data-id=\"f795ceb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Un premier \u00e9change gratuit et sans engagement.<\/p><p>Nous r\u00e9pondons sous 48 heures ouvr\u00e9es.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b7c62d6 elementor-list-item-link-inline elementor-icon-list--layout-traditional elementor-widget elementor-widget-icon-list\" data-id=\"b7c62d6\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.google.com\/maps\/place\/76+Rue+d&#039;Auteuil,+75016+Paris\/@48.8479921,2.2581113,17z\/data=!3m1!4b1!4m6!3m5!1s0x47e67ab0a127404f:0xda9b4b67c4134d57!8m2!3d48.8479886!4d2.2606862!16s%2Fg%2F11q2x8vyqs?entry=ttu&#038;g_ep=EgoyMDI2MDUxMC4wIKXMDSoASAFQAw%3D%3D\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-map-marker-alt\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">76 rue d\u2019Auteuil (75016), Paris, France<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-phone\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">+33 6 60 93 85 78 <\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"mailto:contact@acl-ic.com\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-envelope\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">contact@acl-ic.com<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.linkedin.com\/company\/acl-initiative-conseil\/?originalSubdomain=fr\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fab fa-linkedin\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">ACL Family Office<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-d83058c\" data-id=\"d83058c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-70010c3 elementor-button-align-stretch elementor-widget elementor-widget-form\" data-id=\"70010c3\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;step_next_label&quot;:&quot;Suivant&quot;,&quot;step_previous_label&quot;:&quot;Pr\\u00e9c\\u00e9dent&quot;,&quot;button_width&quot;:&quot;100&quot;,&quot;step_type&quot;:&quot;number_text&quot;,&quot;step_icon_shape&quot;:&quot;circle&quot;}\" data-widget_type=\"form.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<form class=\"elementor-form\" method=\"post\" name=\"Contact\" aria-label=\"Contact\">\n\t\t\t<input type=\"hidden\" name=\"post_id\" value=\"3516\"\/>\n\t\t\t<input type=\"hidden\" name=\"form_id\" value=\"70010c3\"\/>\n\t\t\t<input type=\"hidden\" name=\"referer_title\" value=\"Le Family Office | ACL Family Office\" \/>\n\n\t\t\t\t\t\t\t<input type=\"hidden\" name=\"queried_id\" value=\"3516\"\/>\n\t\t\t\n\t\t\t<div class=\"elementor-form-fields-wrapper elementor-labels-above\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-text elementor-field-group elementor-column elementor-field-group-name elementor-col-50 elementor-field-required elementor-mark-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-name\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tPR\u00c9NOM\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"text\" name=\"form_fields[name]\" id=\"form-field-name\" class=\"elementor-field elementor-size-sm  elementor-field-textual\" placeholder=\"Jean\" required=\"required\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-text elementor-field-group elementor-column elementor-field-group-field_ed5914b elementor-col-50 elementor-field-required elementor-mark-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-field_ed5914b\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tNOM\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"text\" name=\"form_fields[field_ed5914b]\" id=\"form-field-field_ed5914b\" class=\"elementor-field elementor-size-sm  elementor-field-textual\" placeholder=\"Dupont\" required=\"required\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-email elementor-field-group elementor-column elementor-field-group-email elementor-col-100 elementor-field-required elementor-mark-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-email\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tEMAIL\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"email\" name=\"form_fields[email]\" id=\"form-field-email\" class=\"elementor-field elementor-size-sm  elementor-field-textual\" placeholder=\"jean.dupont@email.com\" required=\"required\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-tel elementor-field-group elementor-column elementor-field-group-field_007f2da elementor-col-100 elementor-field-required elementor-mark-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-field_007f2da\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tT\u00c9L\u00c9PHONE\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t<input size=\"1\" type=\"tel\" name=\"form_fields[field_007f2da]\" id=\"form-field-field_007f2da\" class=\"elementor-field elementor-size-sm  elementor-field-textual\" placeholder=\"06 XX XX XX XX\" required=\"required\" pattern=\"[0-9()#&amp;+*-=.]+\" title=\"Seuls les caract\u00e8res de num\u00e9ros de t\u00e9l\u00e9phone (#, -, *, etc.) sont accept\u00e9s.\">\n\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-select elementor-field-group elementor-column elementor-field-group-field_d277de9 elementor-col-100 elementor-field-required elementor-mark-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-field_d277de9\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tVOUS ETES\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field elementor-select-wrapper remove-before \">\n\t\t\t<div class=\"select-caret-down-wrapper\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"eicon-caret-down\"><\/i>\t\t\t<\/div>\n\t\t\t<select name=\"form_fields[field_d277de9]\" id=\"form-field-field_d277de9\" class=\"elementor-field-textual elementor-size-sm\" required=\"required\">\n\t\t\t\t\t\t\t\t\t<option value=\" \">S\u00e9lectionner <\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"Particulier\">Particulier<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"Personne en situation de vuln\u00e9rabilit\u00e9 \/ Aidant\">Personne en situation de vuln\u00e9rabilit\u00e9 \/ Aidant<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"Dirigeant(e)\">Dirigeant(e)<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"Chef(fe) d&#039;entreprise\">Chef(fe) d&#039;entreprise<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"CGP\">CGP<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"Autre\">Autre<\/option>\n\t\t\t\t\t\t\t<\/select>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-select elementor-field-group elementor-column elementor-field-group-field_0e14c7c elementor-col-100 elementor-field-required elementor-mark-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-field_0e14c7c\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tOBJET\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field elementor-select-wrapper remove-before \">\n\t\t\t<div class=\"select-caret-down-wrapper\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"eicon-caret-down\"><\/i>\t\t\t<\/div>\n\t\t\t<select name=\"form_fields[field_0e14c7c]\" id=\"form-field-field_0e14c7c\" class=\"elementor-field-textual elementor-size-sm\" required=\"required\">\n\t\t\t\t\t\t\t\t\t<option value=\" \">S\u00e9lectionner <\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"Ing\u00e9nierie patrimoniale\">Ing\u00e9nierie patrimoniale<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"Accompagnement et protection des personnes vuln\u00e9rables\">Accompagnement et protection des personnes vuln\u00e9rables<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"Pr\u00e9voyance patrimoniale\">Pr\u00e9voyance patrimoniale<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"Cartographie et gestion des risques \">Cartographie et gestion des risques <\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"Gouvernance familiale et d&#039;entreprise\">Gouvernance familiale et d&#039;entreprise<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"Approche internationale\">Approche internationale<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"Prestation de services (CGP, cabinets, etc.)\">Prestation de services (CGP, cabinets, etc.)<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"Autre\">Autre<\/option>\n\t\t\t\t\t\t\t<\/select>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-textarea elementor-field-group elementor-column elementor-field-group-message elementor-col-100\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-message\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tVOTRE MESSAGE\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t<textarea class=\"elementor-field-textual elementor-field  elementor-size-sm\" name=\"form_fields[message]\" id=\"form-field-message\" rows=\"4\" placeholder=\"D\u00e9crivez votre situation...\"><\/textarea>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-checkbox elementor-field-group elementor-column elementor-field-group-field_d7c9b68 elementor-col-100\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-field_d7c9b68\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tJe pr\u00e9f\u00e8re \u00eatre contact\u00e9(e)\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t<div class=\"elementor-field-subgroup  elementor-subgroup-inline\"><span class=\"elementor-field-option\"><input type=\"checkbox\" value=\"Par e-mail\" id=\"form-field-field_d7c9b68-0\" name=\"form_fields[field_d7c9b68][]\"> <label for=\"form-field-field_d7c9b68-0\">Par e-mail<\/label><\/span><span class=\"elementor-field-option\"><input type=\"checkbox\" value=\"Par SMS\" id=\"form-field-field_d7c9b68-1\" name=\"form_fields[field_d7c9b68][]\"> <label for=\"form-field-field_d7c9b68-1\">Par SMS<\/label><\/span><span class=\"elementor-field-option\"><input type=\"checkbox\" value=\"Par t\u00e9l\u00e9phone\" id=\"form-field-field_d7c9b68-2\" name=\"form_fields[field_d7c9b68][]\"> <label for=\"form-field-field_d7c9b68-2\">Par t\u00e9l\u00e9phone<\/label><\/span><\/div>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-group elementor-column elementor-field-type-submit elementor-col-100 e-form__buttons\">\n\t\t\t\t\t<button class=\"elementor-button elementor-size-sm\" type=\"submit\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">ENVOYER<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/form>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Accompagnement et protection des personnes vuln\u00e9rables Un accompagnement bienveillant et expert, pour prot\u00e9ger ceux qui vous sont chers. \u00c0 qui nous nous adressons D\u00e9finir la personne vuln\u00e9rable La personne concern\u00e9e Seniors autonomes qui souhaitent anticiper une perte d&rsquo;autonomie et organiser leur avenir sereinement. Personnes fragilis\u00e9es ou en perte d&rsquo;autonomie qui ont besoin d&rsquo;un tiers de &hellip;<\/p>\n<p class=\"read-more\"> <a class=\"\" href=\"http:\/\/acl-ic.com\/wp-content\/uploads\/2026\/09\/Personnes-vulnerables-la-zone-grise-du-conseil.pdf\"> <span class=\"screen-reader-text\">Personnes vuln\u00e9rables, la zone grise du conseil<\/span> Lire la suite\u00a0\u00bb<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":"","_links_to":"","_links_to_target":""},"class_list":["post-3516","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Le Family Office | ACL Family Office<\/title>\n<meta name=\"description\" content=\"Un interlocteur transversal pour une approche globale et des solutions sur mesure couvrant la famille, l&#039;entreprise et le patrimoine.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/acl-ic.com\/index.php\/personnes-vulnerables\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Le Family Office | ACL Family Office\" \/>\n<meta property=\"og:description\" content=\"Un interlocteur transversal pour une approche globale et des solutions sur mesure couvrant la famille, l&#039;entreprise et le patrimoine.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/acl-ic.com\/index.php\/personnes-vulnerables\/\" \/>\n<meta property=\"og:site_name\" content=\"ACL Family Office\" \/>\n<meta property=\"article:modified_time\" content=\"2026-10-12T12:59:59+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/acl-ic.com\/wp-content\/uploads\/2026\/10\/34fac4b3-df7a-41c0-bbe0-c4bae933c9ee-1-300x300.png\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data1\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/acl-ic.com\\\/index.php\\\/personnes-vulnerables\\\/\",\"url\":\"https:\\\/\\\/acl-ic.com\\\/index.php\\\/personnes-vulnerables\\\/\",\"name\":\"Le Family Office | ACL Family Office\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/acl-ic.com\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/acl-ic.com\\\/index.php\\\/personnes-vulnerables\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/acl-ic.com\\\/index.php\\\/personnes-vulnerables\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/acl-ic.com\\\/wp-content\\\/uploads\\\/2026\\\/10\\\/34fac4b3-df7a-41c0-bbe0-c4bae933c9ee-1-300x300.png\",\"datePublished\":\"2026-03-24T18:01:26+00:00\",\"dateModified\":\"2026-10-12T12:59:59+00:00\",\"description\":\"Un interlocteur transversal pour une approche globale et des solutions sur mesure couvrant la famille, l'entreprise et le patrimoine.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/acl-ic.com\\\/index.php\\\/personnes-vulnerables\\\/#breadcrumb\"},\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/acl-ic.com\\\/index.php\\\/personnes-vulnerables\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/acl-ic.com\\\/index.php\\\/personnes-vulnerables\\\/#primaryimage\",\"url\":\"https:\\\/\\\/acl-ic.com\\\/wp-content\\\/uploads\\\/2026\\\/10\\\/34fac4b3-df7a-41c0-bbe0-c4bae933c9ee-1-300x300.png\",\"contentUrl\":\"https:\\\/\\\/acl-ic.com\\\/wp-content\\\/uploads\\\/2026\\\/10\\\/34fac4b3-df7a-41c0-bbe0-c4bae933c9ee-1-300x300.png\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/acl-ic.com\\\/index.php\\\/personnes-vulnerables\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\\\/\\\/acl-ic.com\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Accompagnement &#038; 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