{"id":572,"date":"2020-11-26T14:33:53","date_gmt":"2020-11-26T13:33:53","guid":{"rendered":"https:\/\/acl-ic.com\/?page_id=572"},"modified":"2026-09-10T20:18:08","modified_gmt":"2026-09-10T18:18:08","slug":"ingenierie-patrimoniale","status":"publish","type":"page","link":"https:\/\/acl-ic.com\/index.php\/ingenierie-patrimoniale\/","title":{"rendered":"Ing\u00e9nierie patrimoniale"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"572\" class=\"elementor elementor-572\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b043a5c elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"b043a5c\" 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-20f2c64\" data-id=\"20f2c64\" 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-ede45f3 elementor-widget elementor-widget-html\" data-id=\"ede45f3\" 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 Ing\u00e9nierie patrimoniale \u00bb\r\n     Format de la banni\u00e8re \u00ab Habilitations \u00bb + contenu \u00ab Ing\u00e9nierie \u00bb\r\n     Bloc HTML autonome, pr\u00eat pour WordPress (Custom HTML)\r\n     Wrapper : #acl-ingenierie\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-ingenierie\">\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\">Ing\u00e9nierie <em>patrimoniale<\/em><\/h1>\r\n      <p class=\"ah-hero-desc\">\r\n        Structurer, prot\u00e9ger et transmettre votre patrimoine,<br>\r\n        au service d'une vision de long terme.\r\n      <\/p>\r\n    <\/div>\r\n  <\/header>\r\n\r\n<\/div>\r\n\r\n<style>\r\n\/* ============================================================\r\n   RESET\r\n   ============================================================ *\/\r\n#acl-ingenierie,\r\n#acl-ingenierie *,\r\n#acl-ingenierie *::before,\r\n#acl-ingenierie *::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-ingenierie {\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-ingenierie 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-ingenierie 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-ingenierie .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, avec bord gauche plum\u00e9 (masque) pour brouiller la d\u00e9limitation *\/\r\n#acl-ingenierie .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\/mains-2-couleurs.png') !important;\r\n  background-size: auto 100% !important;\r\n  background-position: right -120px center !important;\r\n  background-repeat: no-repeat !important;\r\n  -webkit-mask-image: linear-gradient(90deg, rgba(0,0,0,0) 34%, rgba(0,0,0,1) 52%) !important;\r\n          mask-image: linear-gradient(90deg, rgba(0,0,0,0) 34%, rgba(0,0,0,1) 52%) !important;\r\n}\r\n\r\n\/* Voile de contraste pour le texte *\/\r\n#acl-ingenierie .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-ingenierie .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-ingenierie .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-ingenierie .ah-hero-desc {\r\n  margin-top: 30px !important;\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   RESPONSIVE\r\n   ============================================================ *\/\r\n@media (max-width: 640px) {\r\n  #acl-ingenierie .ah-hero { min-height: 60vh !important; }\r\n  #acl-ingenierie .ah-hero-inner { padding: 0 24px !important; }\r\n  #acl-ingenierie .ah-hero-title { font-size: 15vw !important; line-height: 1 !important; }\r\n  #acl-ingenierie .ah-hero-desc { font-size: 15px !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-611f5a5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"611f5a5\" 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-f3e9b78\" data-id=\"f3e9b78\" 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-9565b2f elementor-widget elementor-widget-html\" data-id=\"9565b2f\" 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\" style=\"background:#000 !important;\">\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:#000 !important; color:#EFE7DA !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 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!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 bien structur\u00e9 est un patrimoine durable, prot\u00e9g\u00e9 et transmissible.<\/blockquote>\r\n    <div class=\"acl-cite\">ACL Family Office<\/div>\r\n  <\/div>\r\n\r\n  <script>\r\n  (function () {\r\n    function paint() {\r\n      var el = document.getElementById('acl-conviction');\r\n    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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-f428ec3\" data-id=\"f428ec3\" 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-d252597 elementor-widget elementor-widget-html\" data-id=\"d252597\" 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\">Une approche <em>globale et sur-mesure<\/em><br>du patrimoine.<\/h2>\r\n      <p class=\"acl-sub\">Au sein de notre cabinet de conseil, l'ing\u00e9nierie patrimoniale constitue le c\u0153ur de notre intervention. Nous accompagnons nos clients dans la structuration, la s\u00e9curisation et la transmission de leur patrimoine, en int\u00e9grant \u00e0 la fois les dimensions familiales, juridiques, financi\u00e8res et fiscales.<\/p>\r\n    <\/div>\r\n\r\n    <!-- ===== I \u2014 STRUCTURER ===== -->\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\">Structurer les<br>modes de d\u00e9tention<br>de votre patrimoine<\/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 patrimonial global<\/h3>\r\n          <p class=\"acl-card-intro\">Nous r\u00e9alisons une analyse approfondie de votre situation afin d'identifier les zones de fragilit\u00e9 et les leviers d'optimisation.<\/p>\r\n          <ul class=\"acl-list\">\r\n            <li>Structure familiale et r\u00e9gime matrimonial<\/li>\r\n            <li>Organisation juridique des actifs (d\u00e9tention directe, soci\u00e9t\u00e9s, d\u00e9membrement)<\/li>\r\n            <li>Analyse des flux (revenus, charges, fiscalit\u00e9)<\/li>\r\n            <li>Cartographie des risques patrimoniaux<\/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>Architectures patrimoniales sur-mesure<\/h3>\r\n          <p class=\"acl-card-intro\">Nous concevons des architectures patrimoniales sur-mesure, coh\u00e9rentes, performantes et lisibles, adapt\u00e9es \u00e0 chaque profil.<\/p>\r\n          <ul class=\"acl-list\">\r\n            <li>Holdings patrimoniales ou soci\u00e9t\u00e9s civiles<\/li>\r\n            <li>D\u00e9membrement de propri\u00e9t\u00e9 (usufruit \/ nue-propri\u00e9t\u00e9)<\/li>\r\n            <li>Organisation des flux intra-familiaux<\/li>\r\n            <li>Approche fiscale int\u00e9gr\u00e9e<\/li>\r\n          <\/ul>\r\n        <\/div>\r\n      <\/div>\r\n    <\/section>\r\n\r\n    <!-- ===== II \u2014 PROT\u00c9GER ===== -->\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 les<br>personnes et les<br>actifs<\/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>Protection juridique des personnes<\/h3>\r\n          <p class=\"acl-card-intro\">Nous anticipons les situations de vuln\u00e9rabilit\u00e9 en organisant la protection juridique des personnes, dans une logique de pr\u00e9servation des volont\u00e9s et de s\u00e9curisation des d\u00e9cisions.<\/p>\r\n          <ul class=\"acl-list\">\r\n            <li>Mandat de protection future<\/li>\r\n            <li>Clauses b\u00e9n\u00e9ficiaires<\/li>\r\n            <li>Tutelle, curatelle ou habilitation familiale<\/li>\r\n            <li>Mise en place ou r\u00e9vision de procurations<\/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\"><rect x=\"5\" y=\"10.5\" width=\"14\" height=\"10\" rx=\"1.6\"\/><path d=\"M8 10.5V8a4 4 0 0 1 8 0v2.5\"\/><path d=\"M12 14v2.5\"\/><\/svg><\/div>\r\n          <h3>S\u00e9curisation du patrimoine<\/h3>\r\n          <p class=\"acl-card-intro\">Nous mettons en place des dispositifs visant \u00e0 s\u00e9curiser durablement le patrimoine face aux al\u00e9as de la vie.<\/p>\r\n          <ul class=\"acl-list\">\r\n            <li>Audit des engagements (contrats, cr\u00e9dits, assurances) et garanties<\/li>\r\n            <li>Pr\u00e9vention des abus ou d\u00e9cisions inadapt\u00e9es<\/li>\r\n            <li>Arbitrage des placements selon le profil de risque<\/li>\r\n            <li>S\u00e9curisation des liquidit\u00e9s et actifs sensibles<\/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\">Anticiper et<br>organiser votre<br>transmission<\/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=\"11\" cy=\"13\" r=\"8\"\/><circle cx=\"11\" cy=\"13\" r=\"3.4\"\/><path d=\"M11 13 20.5 3.5\"\/><path d=\"M16.5 3.5h4v4\"\/><\/svg><\/div>\r\n          <h3>Strat\u00e9gie successorale personnalis\u00e9e<\/h3>\r\n          <p class=\"acl-card-intro\">Nous \u00e9laborons des strat\u00e9gies de transmission sur-mesure, align\u00e9es avec vos objectifs.<\/p>\r\n          <ul class=\"acl-list\">\r\n            <li>Donations (simples, partage, graduelles\u2026)<\/li>\r\n            <li>Transmission anticip\u00e9e (avec ou sans d\u00e9membrement)<\/li>\r\n            <li>Organisation des pouvoirs et gouvernance familiale<\/li>\r\n            <li>Optimisation des droits de mutation<\/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>\u00c9quilibre familial &amp; pr\u00e9vention des conflits<\/h3>\r\n          <p class=\"acl-card-intro\">Nous int\u00e9grons les enjeux humains afin de pr\u00e9server l'\u00e9quilibre familial et pr\u00e9venir les conflits. Notre approche vise \u00e0 concilier protection et harmonie durable entre les parties.<\/p>\r\n          <ul class=\"acl-list\">\r\n            <li>Prise en compte des situations individuelles des h\u00e9ritiers<\/li>\r\n            <li>Recherche de coh\u00e9rence familiale<\/li>\r\n            <li>M\u00e9diation patrimoniale si n\u00e9cessaire<\/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')); });\r\n\r\n    function onScroll() {\r\n      var trigger = window.innerHeight * 0.5;\r\n      var active = 0;\r\n      axes.forEach(function (ax, i) {\r\n        if (ax && ax.getBoundingClientRect().top < trigger) active = i;\r\n      });\r\n      dots.forEach(function (d, i) { d.classList.toggle('is-active', i === active); 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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-5d85553 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"5d85553\" 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-b99366a\" data-id=\"b99366a\" 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-e29e411 elementor-widget elementor-widget-html\" data-id=\"e29e411\" 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; 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background:none !important; border:none !important; cursor:pointer !important; text-align:left !important; display:flex !important; align-items:baseline !important; gap:10px !important; padding:12px 0 12px 24px !important; font-family:'Inter',sans-serif !important; font-size:14px !important; font-weight:400 !important; letter-spacing:.015em !important; line-height:1.4 !important; color:var(--muted) !important; transition:color .3s ease !important; }\r\n    #acl-faq .acl-cat::before{ content:'' !important; position:absolute !important; left:-1px !important; top:0 !important; width:1px !important; height:100% !important; background:var(--gold-lt) !important; transform:scaleY(0) !important; transition:transform .4s cubic-bezier(.4,0,.2,1) !important; }\r\n    #acl-faq .acl-cat:hover{ color:var(--cream) !important; }\r\n    #acl-faq .acl-cat.is-active{ color:var(--gold-lt) !important; font-weight:500 !important; }\r\n    #acl-faq .acl-cat.is-active::before{ transform:scaleY(1) !important; }\r\n    #acl-faq .acl-cat .acl-n{ font-size:11px !important; font-weight:400 !important; 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; 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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 ? (a.querySelector('.acl-ainner').offsetHeight + 'px') : '0px';\r\n      a.style.setProperty('max-height', h, 'important');\r\n    }\r\n\r\n    function openItem(item, open) {\r\n      item.classList.toggle('is-open', open);\r\n      item.querySelector('.acl-q').setAttribute('aria-expanded', open ? '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-603772f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"603772f\" 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-8420dde\" data-id=\"8420dde\" 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-a68d659 elementor-widget elementor-widget-html\" data-id=\"a68d659\" 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-f123339 elementor-widget elementor-widget-heading\" data-id=\"f123339\" 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-859abc4 elementor-widget elementor-widget-text-editor\" data-id=\"859abc4\" 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-e061dd4 elementor-list-item-link-inline elementor-icon-list--layout-traditional elementor-widget elementor-widget-icon-list\" data-id=\"e061dd4\" 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-78f5f5b\" data-id=\"78f5f5b\" 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-36c1757 elementor-button-align-stretch elementor-widget elementor-widget-form\" data-id=\"36c1757\" 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=\"572\"\/>\n\t\t\t<input type=\"hidden\" name=\"form_id\" value=\"36c1757\"\/>\n\t\t\t<input type=\"hidden\" name=\"referer_title\" value=\"Ing\u00e9nierie patrimoniale - ACL Family Office\" \/>\n\n\t\t\t\t\t\t\t<input type=\"hidden\" name=\"queried_id\" value=\"572\"\/>\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 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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>Ing\u00e9nierie patrimoniale Structurer, prot\u00e9ger et transmettre votre patrimoine, au service d&rsquo;une vision de long terme. &ldquo; Un patrimoine bien structur\u00e9 est un patrimoine durable, prot\u00e9g\u00e9 et transmissible. ACL Family Office Notre approche Une approche globale et sur-mesuredu patrimoine. Au sein de notre cabinet de conseil, l&rsquo;ing\u00e9nierie patrimoniale constitue le c\u0153ur de notre intervention. Nous accompagnons &hellip;<\/p>\n<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/acl-ic.com\/index.php\/ingenierie-patrimoniale\/\"> <span class=\"screen-reader-text\">Ing\u00e9nierie patrimoniale<\/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-572","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>Ing\u00e9nierie patrimoniale - ACL Family Office<\/title>\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\/ingenierie-patrimoniale\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Ing\u00e9nierie patrimoniale - ACL Family Office\" \/>\n<meta property=\"og:description\" content=\"Ing\u00e9nierie patrimoniale Structurer, prot\u00e9ger et transmettre votre patrimoine, au service d&rsquo;une vision de long terme. &ldquo; Un patrimoine bien structur\u00e9 est un patrimoine durable, prot\u00e9g\u00e9 et transmissible. 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