{"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":"2026-09-08T21:30:41","modified_gmt":"2026-09-08T19:30:41","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\r\n    \/* ---------- left : sticky header ---------- *\/\r\n    #acl-faq .acl-head{ position:sticky !important; top:0px !important; 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    #acl-faq .acl-note{ font-family:'Inter',sans-serif !important; font-size:15px !important; font-weight:300 !important; line-height:1.7 !important; color:var(--muted) !important; margin-top:30px !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    \/* ---------- right : accordion ---------- *\/\r\n    #acl-faq .acl-list{ border-top:1px solid var(--line) !important; }\r\n    #acl-faq .acl-item{ border-bottom:1px solid var(--line) !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    \/* plus \/ minus icon *\/\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 .45s ease !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    @media (max-width:980px){\r\n      #acl-faq{ padding:80px 22px !important; }\r\n      #acl-faq .acl-faqgrid{ grid-template-columns:1fr !important; gap:48px !important; }\r\n      #acl-faq .acl-head{ position:static !important; }\r\n      #acl-faq .acl-title{ font-size:42px !important; }\r\n      #acl-faq .acl-note{ max-width:none !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-ainner{ padding-right:20px !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        <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        <div class=\"acl-item\">\r\n          <button class=\"acl-q\"><span class=\"acl-qtext\">Qu'est-ce qu'un family office et \u00e0 qui s'adresse-t-il ?<\/span><span class=\"acl-ic\"><\/span><\/button>\r\n          <div class=\"acl-a\"><div class=\"acl-ainner\">Un family office accompagne les familles et les dirigeants dans la gestion globale de leur patrimoine : structuration juridique, s\u00e9curisation, transmission et gouvernance. Nous nous adressons \u00e0 celles et ceux qui souhaitent une vision d'ensemble, coh\u00e9rente et ind\u00e9pendante, de leurs int\u00e9r\u00eats patrimoniaux et familiaux.<\/div><\/div>\r\n        <\/div>\r\n\r\n        <div class=\"acl-item\">\r\n          <button class=\"acl-q\"><span class=\"acl-qtext\">Comment se d\u00e9roule un premier rendez-vous ?<\/span><span class=\"acl-ic\"><\/span><\/button>\r\n          <div class=\"acl-a\"><div class=\"acl-ainner\">Le premier \u00e9change est d\u00e9di\u00e9 \u00e0 l'\u00e9coute : comprendre votre situation, vos projets et vos pr\u00e9occupations. Sans engagement, il nous permet de cerner vos enjeux et de vous proposer, s'il y a lieu, un cadre d'accompagnement adapt\u00e9.<\/div><\/div>\r\n        <\/div>\r\n\r\n        <div class=\"acl-item\">\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\">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.<\/div><\/div>\r\n        <\/div>\r\n\r\n        <div class=\"acl-item\">\r\n          <button class=\"acl-q\"><span class=\"acl-qtext\">Comment \u00eates-vous r\u00e9mun\u00e9r\u00e9s ?<\/span><span class=\"acl-ic\"><\/span><\/button>\r\n          <div class=\"acl-a\"><div class=\"acl-ainner\">Notre r\u00e9mun\u00e9ration repose sur des honoraires clairs, d\u00e9finis en amont et proportionn\u00e9s \u00e0 la mission. Cette transparence garantit l'alignement total de nos conseils avec vos objectifs.<\/div><\/div>\r\n        <\/div>\r\n\r\n        <div class=\"acl-item\">\r\n          <button class=\"acl-q\"><span class=\"acl-qtext\">Intervenez-vous \u00e0 l'international ?<\/span><span class=\"acl-ic\"><\/span><\/button>\r\n          <div class=\"acl-a\"><div class=\"acl-ainner\">Oui. La multiplicit\u00e9 des droits et les conflits de lois font \u00e9merger des enjeux sp\u00e9cifiques. Nous vous accompagnons, avec nos partenaires locaux, dans une structuration juridique et fiscale adapt\u00e9e \u00e0 chaque juridiction concern\u00e9e.<\/div><\/div>\r\n        <\/div>\r\n\r\n        <div class=\"acl-item\">\r\n          <button class=\"acl-q\"><span class=\"acl-qtext\">Mes informations restent-elles confidentielles ?<\/span><span class=\"acl-ic\"><\/span><\/button>\r\n          <div class=\"acl-a\"><div class=\"acl-ainner\">Absolument. Votre famille, votre patrimoine et vos projets rel\u00e8vent de la plus stricte confidentialit\u00e9. La discr\u00e9tion n'est pas une option : c'est le fondement m\u00eame de notre m\u00e9tier.<\/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    var items = Array.prototype.slice.call(root.querySelectorAll('.acl-item'));\r\n\r\n    function setHeight(item, open) {\r\n      var a = item.querySelector('.acl-a');\r\n      a.style.maxHeight = open ? (a.querySelector('.acl-ainner').offsetHeight + 'px') : '0px';\r\n    }\r\n\r\n    items.forEach(function (item) {\r\n      item.querySelector('.acl-q').addEventListener('click', function () {\r\n        var isOpen = item.classList.contains('is-open');\r\n        items.forEach(function (o) {\r\n          if (o !== item) { o.classList.remove('is-open'); setHeight(o, false); }\r\n        });\r\n        item.classList.toggle('is-open', !isOpen);\r\n        setHeight(item, !isOpen);\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=\"ACL Family Office\" \/>\n\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>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 v28.4 - 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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