{"id":577,"date":"2020-11-15T13:44:37","date_gmt":"2020-11-15T12:44:37","guid":{"rendered":"https:\/\/acl-ic.com\/?page_id=577"},"modified":"2026-09-10T20:12:58","modified_gmt":"2026-09-10T18:12:58","slug":"prevoyance-patrimoniale","status":"publish","type":"page","link":"https:\/\/acl-ic.com\/index.php\/prevoyance-patrimoniale\/","title":{"rendered":"Pr\u00e9voyance patrimoniale"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"577\" class=\"elementor elementor-577\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-78e5b9d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"78e5b9d\" 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-32262b9\" data-id=\"32262b9\" 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-f191c88 elementor-widget elementor-widget-html\" data-id=\"f191c88\" 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 Pr\u00e9voyance patrimoniale \u00bb\r\n     Format de la banni\u00e8re \u00ab Ing\u00e9nierie \u00bb \/ \u00ab Habilitations \u00bb\r\n     Bloc HTML autonome, pr\u00eat pour WordPress (Custom HTML)\r\n     Wrapper : #acl-prevoyance\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-prevoyance\">\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\">Pr\u00e9voyance <em>patrimoniale<\/em><\/h1>\r\n      <p class=\"ah-hero-desc\">\r\n        Anticiper, organiser et s\u00e9curiser votre avenir,<br>\r\n        avec un regard centr\u00e9 sur vos besoins.\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-prevoyance,\r\n#acl-prevoyance *,\r\n#acl-prevoyance *::before,\r\n#acl-prevoyance *::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-prevoyance {\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-prevoyance 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-prevoyance 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-prevoyance .ah-hero {\r\n  position: relative !important;\r\n  aspect-ratio: 2000 \/ 975 !important;\r\n  min-height: 480px !important;\r\n  display: flex !important;\r\n  align-items: center !important;\r\n  background: #000 !important;\r\n  overflow: hidden !important;\r\n}\r\n\r\n\/* Photo plein cadre *\/\r\n#acl-prevoyance .ah-photo {\r\n  position: absolute !important;\r\n  inset: 0 !important;\r\n  z-index: 0 !important;\r\n  background-image: url('http:\/\/acl-ic.com\/wp-content\/uploads\/2026\/06\/pexels-quang-vuong-724225078-18845152-scaled.jpg') !important;\r\n  background-size: cover !important;\r\n  background-position: center center !important;\r\n  background-repeat: no-repeat !important;\r\n}\r\n\r\n\/* Voile de contraste pour le texte *\/\r\n#acl-prevoyance .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-prevoyance .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-prevoyance .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-prevoyance .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-prevoyance .ah-hero { min-height: 60vh !important; }\r\n  #acl-prevoyance .ah-hero-inner { padding: 0 24px !important; }\r\n  #acl-prevoyance .ah-hero-title { font-size: 15vw !important; line-height: 1 !important; }\r\n  #acl-prevoyance .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-5d68843 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"5d68843\" 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-a41eac0\" data-id=\"a41eac0\" 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-cd3a405 elementor-widget elementor-widget-html\" data-id=\"cd3a405\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<!-- ACL Family Office \u2014 Section \"La conviction\" (citation) -->\r\n<!-- Bloc autonome pour widget HTML Elementor \u00b7 wrapper unique #acl-conviction -->\r\n\r\n<div id=\"acl-conviction\">\r\n  <style>\r\n    @import url('https:\/\/fonts.googleapis.com\/css2?family=Cormorant+Garamond:ital,wght@0,300;0,400;0,500;1,300;1,400&family=Inter:wght@300;400;500;600&display=swap');\r\n\r\n    #acl-conviction *,\r\n    #acl-conviction *::before,\r\n    #acl-conviction *::after{ margin:0 !important; padding:0 !important; box-sizing:border-box !important; }\r\n\r\n    #acl-conviction{\r\n      background:#000 !important; color:#EDE6D8 !important;\r\n      font-family:'Inter',sans-serif !important;\r\n      -webkit-font-smoothing:antialiased !important; -moz-osx-font-smoothing:grayscale !important;\r\n      padding:130px 100px !important; overflow:hidden !important;\r\n    }\r\n    #acl-conviction .acl-wrap{ max-width:900px !important; margin:0 auto !important; text-align:center !important; }\r\n\r\n    #acl-conviction .acl-mark{\r\n      font-family:'Cormorant Garamond',serif !important; font-weight:500 !important;\r\n      font-size:96px !important; line-height:.5 !important; color:#bba277 !important;\r\n      display:block !important;\r\n    }\r\n    #acl-conviction .acl-quote{\r\n      font-family:'Cormorant Garamond',serif !important; font-weight:400 !important;\r\n      font-size:66px !important; line-height:1.18 !important; letter-spacing:.005em !important;\r\n      color:#EDE6D8 !important; text-transform:none !important; margin-top:34px !important;\r\n      border:none !important; border-left:0 !important; background:none !important; quotes:none !important;\r\n    }\r\n    #acl-conviction .acl-quote::before,\r\n    #acl-conviction .acl-quote::after{ content:none !important; }\r\n    #acl-conviction .acl-cite{\r\n      font-family:'Inter',sans-serif !important; font-weight:600 !important;\r\n      font-size:12px !important; letter-spacing:.30em !important; text-transform:uppercase !important;\r\n      color:#bba277 !important; margin-top:52px !important;\r\n    }\r\n\r\n    @media (max-width:900px){\r\n      #acl-conviction{ padding:90px 22px !important; }\r\n      #acl-conviction .acl-mark{ font-size:74px !important; }\r\n      #acl-conviction .acl-quote{ font-size:44px !important; }\r\n    }\r\n    @media (max-width:560px){\r\n      #acl-conviction{ padding:70px 18px !important; }\r\n      #acl-conviction .acl-mark{ font-size:60px !important; }\r\n      #acl-conviction .acl-quote{ font-size:33px !important; }\r\n      #acl-conviction .acl-cite{ margin-top:40px !important; }\r\n    }\r\n  <\/style>\r\n\r\n  <div class=\"acl-wrap\">\r\n    <span class=\"acl-mark\">&ldquo;<\/span>\r\n    <blockquote class=\"acl-quote\">La pr\u00e9voyance patrimoniale, c'est l'art de prot\u00e9ger ce que vous avez construit contre les al\u00e9as de la vie qui pourraient tout faire dispara\u00eetre.<\/blockquote>\r\n    <div class=\"acl-cite\">ACL Family Office<\/div>\r\n  <\/div>\r\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-0d1bc30 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0d1bc30\" 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-bb29750\" data-id=\"bb29750\" 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-672d267 elementor-widget elementor-widget-html\" data-id=\"672d267\" 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<!DOCTYPE html>\r\n<html lang=\"fr\">\r\n<head>\r\n  <meta charset=\"UTF-8\" \/>\r\n  <meta name=\"viewport\" content=\"width=device-width, initial-scale=1.0\" \/>\r\n  <title>ACL \u2014 Pr\u00e9voyance Option C<\/title>\r\n  <link href=\"https:\/\/fonts.googleapis.com\/css2?family=Cormorant+Garamond:ital,wght@0,200;0,300;0,400;1,200;1,300;1,400&family=Inter:wght@300;400;500;600&display=swap\" rel=\"stylesheet\" \/>\r\n  <style>\r\n    * { box-sizing: border-box; margin: 0; padding: 0; }\r\n    body { background: #202020; }\r\n\r\n    #acl-prev {\r\n      background: #202020;\r\n      width: 100%;\r\n      padding: 0 100px;\r\n      font-family: 'Inter', sans-serif;\r\n      -webkit-font-smoothing: antialiased;\r\n    }\r\n\r\n    #acl-prev .prev-header {\r\n      padding: 100px 0 50px 0;\r\n      display: flex;\r\n      justify-content: space-between;\r\n      align-items: flex-end;\r\n      gap: 60px;\r\n    }\r\n    \/* \u2500\u2500 Kicker (format Code 1) \u2500\u2500 *\/\r\n    #acl-prev .prev-kicker {\r\n      display: inline-flex;\r\n      align-items: center;\r\n      font-family: 'Inter', sans-serif;\r\n      font-weight: 600;\r\n      font-size: 12px;\r\n      letter-spacing: .30em;\r\n      text-transform: uppercase;\r\n      color: #bba277;\r\n    }\r\n    #acl-prev .prev-kicker::before {\r\n      content: '';\r\n      width: 38px; height: 1px;\r\n      background: #bba277;\r\n      margin-right: 20px;\r\n      display: block;\r\n      flex-shrink: 0;\r\n    }\r\n    \/* \u2500\u2500 Titre (format Code 1) \u2500\u2500 *\/\r\n    #acl-prev .prev-title {\r\n      font-family: 'Cormorant Garamond', Georgia, serif;\r\n      font-weight: 400;\r\n      font-size: 62px;\r\n      line-height: 1.06;\r\n      text-transform: none;\r\n      margin-top: 26px;\r\n      color: #EFE7DA;\r\n    }\r\n    #acl-prev .prev-title em {\r\n      font-style: italic;\r\n      color: #d4be8a;\r\n      text-transform: none;\r\n    }\r\n\r\n    #acl-prev .prev-body {\r\n      display: grid;\r\n      grid-template-columns: 1fr 1.5fr;\r\n      gap: 40px;\r\n      margin: 0 0 60px;\r\n      align-items: start;\r\n    }\r\n\r\n    #acl-prev .prev-card {\r\n      display: flex;\r\n      flex-direction: column;\r\n      border: 1px solid;\r\n      position: relative;\r\n    }\r\n    #acl-prev .prev-card--classique {\r\n      border-color: rgba(239,231,218,.2);\r\n      background: #202020;\r\n    }\r\n    #acl-prev .prev-card--patrimoniale {\r\n      border-color: rgba(187,162,119,.25);\r\n      background: #202020;\r\n    }\r\n\r\n    #acl-prev .prev-card--patrimoniale::before {\r\n      content: 'Notre approche';\r\n      position: absolute;\r\n      top: 0; right: 28px;\r\n      transform: translateY(-50%);\r\n      font-size: 10px;\r\n      font-weight: 600;\r\n      letter-spacing: .22em;\r\n      text-transform: uppercase;\r\n      color: #000;\r\n      background: #bba277;\r\n      padding: 10px 28px;\r\n    }\r\n\r\n    #acl-prev .prev-card-head {\r\n      padding: 36px 36px 32px;\r\n      border-bottom: 1px solid;\r\n    }\r\n    #acl-prev .prev-card--classique .prev-card-head { border-color: rgba(239,231,218,.15); }\r\n    #acl-prev .prev-card--patrimoniale .prev-card-head { border-color: rgba(187,162,119,.2); }\r\n\r\n    #acl-prev .prev-card-recommande {\r\n      font-family: 'Inter', sans-serif;\r\n      font-size: 10px;\r\n      font-weight: 500;\r\n      letter-spacing: .18em;\r\n      text-transform: uppercase;\r\n      color: #bba277;\r\n      margin-bottom: 10px;\r\n      display: block;\r\n      text-decoration: none;\r\n    }\r\n    #acl-prev .prev-card-recommande u {\r\n      text-underline-offset: 3px;\r\n    }\r\n\r\n    #acl-prev .prev-card-couverture-partielle {\r\n      font-family: 'Inter', sans-serif;\r\n      font-size: 10px;\r\n      font-weight: 500;\r\n      letter-spacing: .18em;\r\n      text-transform: uppercase;\r\n      color: rgba(239,231,218,.3);\r\n      margin-bottom: 10px;\r\n      display: block;\r\n    }\r\n\r\n    #acl-prev .prev-card-label {\r\n      font-size: 9px;\r\n      font-weight: 600;\r\n      letter-spacing: .22em;\r\n      text-transform: uppercase;\r\n      margin-bottom: 10px;\r\n      display: block;\r\n    }\r\n    #acl-prev .prev-card--classique .prev-card-label { color: #bba277; }\r\n    #acl-prev .prev-card--patrimoniale .prev-card-label { color: #bba277; }\r\n\r\n    #acl-prev .prev-card-name {\r\n      font-family: 'Cormorant Garamond', serif;\r\n      font-size: clamp(28px, 3vw, 42px);\r\n      font-weight: 300;\r\n      line-height: 1.15;\r\n    }\r\n    #acl-prev .prev-card--classique .prev-card-name { color: #EFE7DA; }\r\n    #acl-prev .prev-card--classique .prev-card-name em { color: rgba(239,231,218,.45); font-style: italic; }\r\n    #acl-prev .prev-card--patrimoniale .prev-card-name { color: #EFE7DA; font-weight: 300; }\r\n    #acl-prev .prev-card--patrimoniale .prev-card-name em { color: #bba277; font-style: italic; font-weight: 400; }\r\n\r\n    #acl-prev .prev-card-desc {\r\n      margin-top: 10px;\r\n      font-size: 15px;\r\n      font-weight: 300;\r\n      line-height: 1.75;\r\n    }\r\n    #acl-prev .prev-card--classique .prev-card-desc { color: rgba(239,231,218,.4); }\r\n    #acl-prev .prev-card--patrimoniale .prev-card-desc { color: rgba(239,231,218,.4); }\r\n\r\n    #acl-prev .prev-card-list { display: flex; flex-direction: column; }\r\n\r\n    #acl-prev .prev-card-item { border-bottom: 1px solid; }\r\n    #acl-prev .prev-card--classique .prev-card-item { border-color: rgba(239,231,218,.15); }\r\n    #acl-prev .prev-card--patrimoniale .prev-card-item { border-color: rgba(187,162,119,.2); }\r\n    #acl-prev .prev-card-item:last-child { border-bottom: none; }\r\n\r\n    #acl-prev .prev-item-trigger {\r\n      display: flex;\r\n      align-items: center;\r\n      gap: 16px;\r\n      padding: 28px 40px;\r\n      cursor: pointer;\r\n      user-select: none;\r\n      transition: background .25s;\r\n    }\r\n    #acl-prev .prev-card--patrimoniale .prev-card-item:hover .prev-item-trigger {\r\n      background: rgba(187,162,119,.03);\r\n    }\r\n\r\n    #acl-prev .item-icon {\r\n      display: flex;\r\n      align-items: center;\r\n      justify-content: center;\r\n      width: 22px; height: 22px;\r\n      border-radius: 50%;\r\n      flex-shrink: 0;\r\n    }\r\n    #acl-prev .item-icon--on {\r\n      border: 1px solid rgba(187,162,119,.45);\r\n      background: rgba(187,162,119,.1);\r\n    }\r\n    #acl-prev .item-icon--off { border: 1px solid rgba(239,231,218,.1); }\r\n    #acl-prev .item-icon svg { width: 10px; height: 10px; }\r\n\r\n    #acl-prev .prev-item-label {\r\n      font-size: 10px;\r\n      font-weight: 600;\r\n      letter-spacing: .2em;\r\n      text-transform: uppercase;\r\n      margin-bottom: 5px;\r\n      display: block;\r\n    }\r\n    #acl-prev .prev-card--classique .prev-item-label { color: rgba(187,162,119,.55); }\r\n    #acl-prev .prev-card--patrimoniale .prev-item-label { color: rgba(187,162,119,.55); }\r\n\r\n    #acl-prev .prev-card-item-name {\r\n      font-family: 'Cormorant Garamond', serif;\r\n      font-size: 23px;\r\n      font-weight: 300;\r\n      line-height: 1.2;\r\n    }\r\n    #acl-prev .prev-card--classique .prev-card-item-name { color: #EFE7DA; }\r\n    #acl-prev .prev-card--patrimoniale .prev-card-item-name { color: #EFE7DA; }\r\n\r\n    #acl-prev .item-chevron {\r\n      display: flex;\r\n      align-items: center;\r\n      justify-content: center;\r\n      margin-left: auto;\r\n    }\r\n    #acl-prev .item-chevron svg {\r\n      width: 13px; height: 13px;\r\n      transition: transform .3s ease;\r\n    }\r\n    #acl-prev .prev-card-item.is-open .item-chevron svg { transform: rotate(180deg); }\r\n\r\n    #acl-prev .prev-item-panel {\r\n      overflow: hidden;\r\n      max-height: 0;\r\n      opacity: 0;\r\n      transition: max-height .45s ease, opacity .3s ease;\r\n    }\r\n    #acl-prev .prev-card-item.is-open .prev-item-panel { max-height: 500px; opacity: 1; }\r\n    #acl-prev .prev-item-panel-inner { padding: 0 36px 26px 74px; }\r\n    #acl-prev .prev-item-panel-text {\r\n      font-size: 15px;\r\n      font-weight: 300;\r\n      color: rgba(239,231,218,.42);\r\n      line-height: 1.85;\r\n      margin-bottom: 18px;\r\n    }\r\n    #acl-prev .prev-item-tags { display: flex; flex-wrap: wrap; gap: 8px; }\r\n    #acl-prev .prev-item-tag {\r\n      font-size: 9.5px;\r\n      font-weight: 500;\r\n      letter-spacing: .1em;\r\n      text-transform: uppercase;\r\n      color: rgba(187,162,119,.75);\r\n      border: 1px solid rgba(187,162,119,.22);\r\n      border-radius: 100px;\r\n      padding: 6px 14px;\r\n      transition: background .2s, color .2s;\r\n    }\r\n    #acl-prev .prev-card--classique .prev-item-tag {\r\n      color: rgba(239,231,218,.35);\r\n      border-color: rgba(239,231,218,.1);\r\n    }\r\n\r\n    #acl-prev .prev-card-foot {\r\n      padding: 28px 36px;\r\n      border-top: 1px solid;\r\n      display: flex;\r\n      align-items: center;\r\n      justify-content: space-between;\r\n    }\r\n    #acl-prev .prev-card--classique .prev-card-foot { border-color: rgba(239,231,218,.06); }\r\n    #acl-prev .prev-card--patrimoniale .prev-card-foot { border-color: rgba(187,162,119,.25); background: rgba(187,162,119,.04); }\r\n\r\n    #acl-prev .prev-card-foot-label {\r\n      font-family: 'Cormorant Garamond', serif;\r\n      font-style: italic;\r\n      font-size: 18px;\r\n      font-weight: 300;\r\n      letter-spacing: .01em;\r\n    }\r\n    #acl-prev .prev-card--classique .prev-card-foot-label { color: rgba(239,231,218,.35); }\r\n    #acl-prev .prev-card--patrimoniale .prev-card-foot-label { color: #d4be8a; }\r\n\r\n    #acl-prev .prev-card-foot-count {\r\n      font-size: 10px;\r\n      font-weight: 600;\r\n      letter-spacing: .2em;\r\n      text-transform: uppercase;\r\n    }\r\n    #acl-prev .prev-card--classique .prev-card-foot-count { color: rgba(239,231,218,.3); }\r\n    #acl-prev .prev-card--patrimoniale .prev-card-foot-count { color: rgba(187,162,119,.6); }\r\n  <\/style>\r\n<\/head>\r\n<body>\r\n\r\n<div id=\"acl-prev\">\r\n\r\n  <div class=\"prev-header\">\r\n    <div>\r\n      <div class=\"prev-kicker\">protection<\/div>\r\n      <h2 class=\"prev-title\">Quelle pr\u00e9voyance <em>pour vous ?<\/em><\/h2>\r\n    <\/div>\r\n  <\/div>\r\n\r\n  <div class=\"prev-body\">\r\n\r\n    <div class=\"prev-card prev-card--classique\">\r\n      <div class=\"prev-card-head\">\r\n        <span class=\"prev-card-couverture-partielle\">Couverture partielle<\/span>\r\n        <h3 class=\"prev-card-name\">Pr\u00e9voyance <em>classique<\/em><\/h3>\r\n        <p class=\"prev-card-desc\">La pr\u00e9voyance classique vise \u00e0 prot\u00e9ger seulement une partie ou tous vos revenus lorsque vous n'\u00eates plus en mesure de travailler.<\/p>\r\n      <\/div>\r\n      <div class=\"prev-card-list\">\r\n        <div class=\"prev-card-item\">\r\n          <div class=\"prev-item-trigger\">\r\n            <span class=\"item-icon item-icon--on\">\r\n              <svg viewBox=\"0 0 10 10\" fill=\"none\"><polyline points=\"1.5,5 4,7.5 8.5,2.5\" stroke=\"#bba277\" stroke-width=\"1.4\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg>\r\n            <\/span>\r\n            <div>\r\n              <span class=\"prev-item-label\">Ce que vous gagnez<\/span>\r\n              <span class=\"prev-card-item-name\">Votre revenu professionnel<\/span>\r\n            <\/div>\r\n            <span class=\"item-chevron\">\r\n              <svg viewBox=\"0 0 12 12\" fill=\"none\"><polyline points=\"2,4 6,8 10,4\" stroke=\"rgba(239,231,218,.25)\" stroke-width=\"1.3\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg>\r\n            <\/span>\r\n          <\/div>\r\n          <div class=\"prev-item-panel\">\r\n            <div class=\"prev-item-panel-inner\">\r\n              <p class=\"prev-item-panel-text\">La pr\u00e9voyance classique peut remplacer <strong>une partie<\/strong> de votre revenu en cas d'arr\u00eat maladie.<\/p>\r\n              <div class=\"prev-item-tags\">\r\n                <span class=\"prev-item-tag\">Incapacit\u00e9 de travail<\/span>\r\n                <span class=\"prev-item-tag\">Invalidit\u00e9<\/span>\r\n                <span class=\"prev-item-tag\">D\u00e9c\u00e8s<\/span>\r\n              <\/div>\r\n            <\/div>\r\n          <\/div>\r\n        <\/div>\r\n      <\/div>\r\n    <\/div>\r\n\r\n    <div class=\"prev-card prev-card--patrimoniale\">\r\n      <div class=\"prev-card-head\">\r\n        <span class=\"prev-card-recommande\">Couverture compl\u00e8te (<u>Recommand\u00e9<\/u>)<\/span>\r\n        <h3 class=\"prev-card-name\">Pr\u00e9voyance <em>patrimoniale<\/em><\/h3>\r\n        <p class=\"prev-card-desc\">La pr\u00e9voyance patrimoniale est une approche globale qui s\u00e9curise l'ensemble de ce que vous avez construit face aux impr\u00e9vus, en couvrant la continuit\u00e9 de votre activit\u00e9, la pr\u00e9servation de votre patrimoine et l'organisation de sa transmission.<\/p>\r\n      <\/div>\r\n      <div class=\"prev-card-list\">\r\n\r\n        <div class=\"prev-card-item\">\r\n          <div class=\"prev-item-trigger\">\r\n            <span class=\"item-icon item-icon--on\">\r\n              <svg viewBox=\"0 0 10 10\" fill=\"none\"><polyline points=\"1.5,5 4,7.5 8.5,2.5\" stroke=\"#bba277\" stroke-width=\"1.4\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg>\r\n            <\/span>\r\n            <div>\r\n              <span class=\"prev-item-label\">Ce que vous gagnez<\/span>\r\n              <span class=\"prev-card-item-name\">Votre revenu professionnel<\/span>\r\n            <\/div>\r\n            <span class=\"item-chevron\">\r\n              <svg viewBox=\"0 0 12 12\" fill=\"none\"><polyline points=\"2,4 6,8 10,4\" stroke=\"rgba(187,162,119,.5)\" stroke-width=\"1.3\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg>\r\n            <\/span>\r\n          <\/div>\r\n          <div class=\"prev-item-panel\">\r\n            <div class=\"prev-item-panel-inner\">\r\n              <p class=\"prev-item-panel-text\">Votre revenu professionnel est <strong>compl\u00e8tement<\/strong> couvert par la pr\u00e9voyance patrimoniale en cas d'arr\u00eat maladie.<\/p>\r\n              <div class=\"prev-item-tags\">\r\n                <span class=\"prev-item-tag\">Incapacit\u00e9 de travail<\/span>\r\n                <span class=\"prev-item-tag\">Invalidit\u00e9<\/span>\r\n                <span class=\"prev-item-tag\">D\u00e9c\u00e8s<\/span>\r\n              <\/div>\r\n            <\/div>\r\n          <\/div>\r\n        <\/div>\r\n\r\n        <div class=\"prev-card-item\">\r\n          <div class=\"prev-item-trigger\">\r\n            <span class=\"item-icon item-icon--on\">\r\n              <svg viewBox=\"0 0 10 10\" fill=\"none\"><polyline points=\"1.5,5 4,7.5 8.5,2.5\" stroke=\"#bba277\" stroke-width=\"1.4\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg>\r\n            <\/span>\r\n            <div>\r\n              <span class=\"prev-item-label\">Ce que vous poss\u00e9dez<\/span>\r\n              <span class=\"prev-card-item-name\">Votre patrimoine<\/span>\r\n            <\/div>\r\n            <span class=\"item-chevron\">\r\n              <svg viewBox=\"0 0 12 12\" fill=\"none\"><polyline points=\"2,4 6,8 10,4\" stroke=\"rgba(187,162,119,.5)\" stroke-width=\"1.3\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg>\r\n            <\/span>\r\n          <\/div>\r\n          <div class=\"prev-item-panel\">\r\n            <div class=\"prev-item-panel-inner\">\r\n              <p class=\"prev-item-panel-text\">Votre patrimoine a mis des ann\u00e9es \u00e0 se construire. Un al\u00e9a non pr\u00e9vu peut l'affaiblir voire l'an\u00e9antir en quelques semaines. La pr\u00e9voyance patrimoniale assure la continuit\u00e9 et la pr\u00e9servation de valeur sur chacune de ses composantes.<\/p>\r\n              <div class=\"prev-item-tags\">\r\n                <span class=\"prev-item-tag\">Immobilier<\/span>\r\n                <span class=\"prev-item-tag\">Financier<\/span>\r\n                <span class=\"prev-item-tag\">Professionnel<\/span>\r\n                <span class=\"prev-item-tag\">Social<\/span>\r\n                <span class=\"prev-item-tag\">Cr\u00e9dits immobiliers<\/span>\r\n                <span class=\"prev-item-tag\">Continuit\u00e9 d'activit\u00e9<\/span>\r\n              <\/div>\r\n            <\/div>\r\n          <\/div>\r\n        <\/div>\r\n\r\n        <div class=\"prev-card-item\">\r\n          <div class=\"prev-item-trigger\">\r\n            <span class=\"item-icon item-icon--on\">\r\n              <svg viewBox=\"0 0 10 10\" fill=\"none\"><polyline points=\"1.5,5 4,7.5 8.5,2.5\" stroke=\"#bba277\" stroke-width=\"1.4\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg>\r\n            <\/span>\r\n            <div>\r\n              <span class=\"prev-item-label\">Ce que vous l\u00e9guerez<\/span>\r\n              <span class=\"prev-card-item-name\">Votre h\u00e9ritage<\/span>\r\n            <\/div>\r\n            <span class=\"item-chevron\">\r\n              <svg viewBox=\"0 0 12 12\" fill=\"none\"><polyline points=\"2,4 6,8 10,4\" stroke=\"rgba(187,162,119,.5)\" stroke-width=\"1.3\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg>\r\n            <\/span>\r\n          <\/div>\r\n          <div class=\"prev-item-panel\">\r\n            <div class=\"prev-item-panel-inner\">\r\n              <p class=\"prev-item-panel-text\">La transmission de votre patrimoine ne doit pas se faire par d\u00e9faut. Sans organisation, vos successibles peuvent \u00eatre confront\u00e9s \u00e0 des difficult\u00e9s de tr\u00e9sorerie (droits de succession, dettes) ou de gestion (indivision). La pr\u00e9voyance patrimoniale anticipe et organise la transmission de son vivant ou pour cause de mort.<\/p>\r\n              <div class=\"prev-item-tags\">\r\n                <span class=\"prev-item-tag\">Capital d\u00e9c\u00e8s<\/span>\r\n                <span class=\"prev-item-tag\">Donation<\/span>\r\n                <span class=\"prev-item-tag\">Testament<\/span>\r\n                <span class=\"prev-item-tag\">Droits de succession<\/span>\r\n                <span class=\"prev-item-tag\">Indivision<\/span>\r\n              <\/div>\r\n            <\/div>\r\n          <\/div>\r\n        <\/div>\r\n\r\n      <\/div>\r\n    <\/div>\r\n\r\n  <\/div>\r\n\r\n<\/div>\r\n\r\n<script>\r\n  document.querySelectorAll('#acl-prev .prev-item-trigger').forEach(trigger => {\r\n    const item = trigger.closest('.prev-card-item');\r\n    const panel = item.querySelector('.prev-item-panel');\r\n    if (!panel) return;\r\n    trigger.addEventListener('click', () => {\r\n      const isOpen = item.classList.contains('is-open');\r\n      const card = item.closest('.prev-card');\r\n      card.querySelectorAll('.prev-card-item.is-open').forEach(i => i.classList.remove('is-open'));\r\n      if (!isOpen) item.classList.add('is-open');\r\n    });\r\n  });\r\n<\/script>\r\n\r\n<\/body>\r\n<\/html>\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-df4317e elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"df4317e\" 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-296572c\" data-id=\"296572c\" 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-4a733a6 elementor-widget elementor-widget-html\" data-id=\"4a733a6\" 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\" (pr\u00e9voyance patrimoniale) -->\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:0px 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; max-width:none !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:stretch !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; height:100% !important; align-content:center !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 4 !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    \/* ---------- sous-liste (sous-tirets) ---------- *\/\r\n    #acl-approche .acl-sublist{ list-style:none !important; margin-top:10px !important; display:flex !important; flex-direction:column !important; gap:8px !important; }\r\n    #acl-approche .acl-sublist li{ display:flex !important; align-items:baseline !important; gap:12px !important; font-family:'Inter',sans-serif !important; font-size:14px !important; line-height:1.5 !important; color:rgba(239,231,218,.45) !important; }\r\n    #acl-approche .acl-sublist li::before{ content:'\u2013' !important; color:var(--gold) !important; opacity:.7 !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) 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data-target=\"acl-axe-0\"><span><\/span><\/button>\r\n    <button class=\"acl-dot\" data-target=\"acl-axe-1\"><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\">Nous intervenons<br>selon <em>2 axes.<\/em><\/h2>\r\n      <p class=\"acl-sub\">Notre approche de la pr\u00e9voyance patrimoniale s'articule autour de deux dimensions compl\u00e9mentaires : la protection assurantielle de votre activit\u00e9 et de votre famille, et l'organisation juridique de la gouvernance et de la transmission de votre cabinet.<\/p>\r\n    <\/div>\r\n\r\n    <!-- ===== I \u2014 ASSURANTIEL ===== -->\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\">Axe<br><em>assurantiel<\/em><\/h3>\r\n      <\/div>\r\n      <div class=\"acl-cards\">\r\n        <div class=\"acl-card\">\r\n          <div class=\"acl-ic\"><svg viewBox=\"0 0 24 24\"><path d=\"M12 3 4 6v5c0 5 3.4 8 8 10 4.6-2 8-5 8-10V6l-8-3Z\"\/><path d=\"M9 11.5l2 2 4-4.2\"\/><\/svg><\/div>\r\n          <h3>Prot\u00e9ger vos revenus et votre activit\u00e9<\/h3>\r\n          <ul class=\"acl-list\">\r\n            <li><span>Protection du revenu personnel<\/span><\/li>\r\n            <li><span>Protection du niveau de vie familial<\/span><\/li>\r\n            <li>\r\n              <div>\r\n                Financer la continuit\u00e9 de l'entreprise :\r\n                <ul class=\"acl-sublist\">\r\n                  <li>Assurer les flux de tr\u00e9sorerie<\/li>\r\n                  <li>Maintenir son fonctionnement<\/li>\r\n                  <li>Servir ses clients<\/li>\r\n                  <li>Honorer ses obligations<\/li>\r\n                <\/ul>\r\n              <\/div>\r\n            <\/li>\r\n          <\/ul>\r\n        <\/div>\r\n      <\/div>\r\n    <\/section>\r\n\r\n    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h3,\n\t\t\t\t\t#rt-tpg-container-2948322376 .isotope12 .rt-holder h3, #rt-tpg-container-2948322376 .carousel12 .rt-holder h3 {background-color:rgba(3,103,191,0.8);}#rt-tpg-container-2948322376 .read-more a{border-radius:px;}#rt-tpg-container-2948322376 .rt-img-holder img.rt-img-responsive,#rt-tpg-container-2948322376 .rt-img-holder,\n\t\t\t\t\t#rt-tpg-container-2948322376 .rt-post-overlay .post-img,\n\t\t\t\t\t#rt-tpg-container-2948322376 .post-sm .post-img,\n\t\t\t\t\t#rt-tpg-container-2948322376 .rt-post-grid .post-img,\n\t\t\t\t\t#rt-tpg-container-2948322376 .post-img img {border-radius:px;}<\/style><div class='rt-container-fluid rt-tpg-container tpg-shortcode-main-wrapper  loading' id='rt-tpg-container-2948322376'   data-layout='layout1' data-grid-style='even' data-desktop-col='3'  data-tab-col='2'  data-mobile-col='1' data-sc-id='4886'><div id=\"bottom-script-loader\" class=\"bottom-script-loader\"><div class=\"rt-ball-clip-rotate\"><div><\/div><\/div><\/div><div data-title='Loading ...' class='rt-row rt-content-loader   layout1 tpg-even '><div class=\"rt-col-md-4 rt-col-sm-6 rt-col-xs-12 even-grid-item rt-grid-item\" data-id=\"5009\"><div class=\"rt-holder\"><div class=\"rt-img-holder\"><a data-id=\"5009\" class=\"\" href=\"https:\/\/youtu.be\/t-T6eTJGq5g\" target='_blank'><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"1536\" src=\"https:\/\/acl-ic.com\/wp-content\/uploads\/2026\/09\/pexels-polina-tankilevitch-6927530-1024x1536.jpg\" class=\"rt-img-responsive \" alt=\"\" \/><\/a><\/div><div class='rt-detail'><h3 class=\"entry-title\"><a data-id=\"5009\" class=\"\" href=\"https:\/\/youtu.be\/t-T6eTJGq5g\" target='_blank'>Clause s\u00e9questre, la r\u00e9ponse \u00e0 la p\u00e9nalit\u00e9 fiscale invisible<\/a><\/h3><div class='post-meta-user  '><span class='date'>10 septembre 2026<\/span><span class='categories-links'><a class=\"prevoyance-patrimoniale\" href=\"https:\/\/acl-ic.com\/index.php\/category\/prevoyance-patrimoniale\/\" rel=\"tag\">Pr\u00e9voyance patrimoniale<\/a><\/span><\/div><div class='tpg-excerpt'>5 minutes sur un paradoxe : l'assurance rembourse le pr\u00eat, et l'entreprise se retrouve tax\u00e9e...<\/div><\/div><\/div><\/div><div class=\"rt-col-md-4 rt-col-sm-6 rt-col-xs-12 even-grid-item rt-grid-item\" data-id=\"5006\"><div class=\"rt-holder\"><div class=\"rt-img-holder\"><a data-id=\"5006\" class=\"\" href=\"https:\/\/youtu.be\/lgtTov55DVM\" target='_blank'><img decoding=\"async\" width=\"1024\" height=\"1076\" src=\"https:\/\/acl-ic.com\/wp-content\/uploads\/2026\/09\/pexels-pavel-danilyuk-8112197-scaled-e1789058896265-1024x1076.jpg\" class=\"rt-img-responsive \" alt=\"\" \/><\/a><\/div><div class='rt-detail'><h3 class=\"entry-title\"><a data-id=\"5006\" class=\"\" href=\"https:\/\/youtu.be\/lgtTov55DVM\" target='_blank'>Droits de succession, le reste \u00e0 payer incompressible<\/a><\/h3><div class='post-meta-user  '><span class='date'>9 septembre 2026<\/span><span class='categories-links'><a class=\"prevoyance-patrimoniale\" href=\"https:\/\/acl-ic.com\/index.php\/category\/prevoyance-patrimoniale\/\" rel=\"tag\">Pr\u00e9voyance patrimoniale<\/a><\/span><\/div><div class='tpg-excerpt'>3 minutes pour comprendre comment pr\u00e9voyance patrimoniale et assurance vie se relaient pour financer le...<\/div><\/div><\/div><\/div><div class=\"rt-col-md-4 rt-col-sm-6 rt-col-xs-12 even-grid-item rt-grid-item\" data-id=\"4972\"><div class=\"rt-holder\"><div class=\"rt-img-holder\"><a data-id=\"4972\" class=\"\" href=\"https:\/\/acl-ic.com\/index.php\/2026\/09\/08\/ce-que-la-protection-sociale-du-dirigeant-ne-couvre-pas\/\" target='_blank'><img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/acl-ic.com\/wp-content\/uploads\/2026\/09\/pexels-mikegles-30021804-1024x683.jpg\" class=\"rt-img-responsive \" alt=\"\" \/><\/a><\/div><div class='rt-detail'><h3 class=\"entry-title\"><a data-id=\"4972\" class=\"\" href=\"https:\/\/acl-ic.com\/index.php\/2026\/09\/08\/ce-que-la-protection-sociale-du-dirigeant-ne-couvre-pas\/\" target='_blank'>Ce que la protection sociale du dirigeant ne couvre pas<\/a><\/h3><div class='post-meta-user  '><span class='date'>8 septembre 2026<\/span><span class='categories-links'><a class=\"prevoyance-patrimoniale\" href=\"https:\/\/acl-ic.com\/index.php\/category\/prevoyance-patrimoniale\/\" rel=\"tag\">Pr\u00e9voyance patrimoniale<\/a><\/span><\/div><div class='tpg-excerpt'>Diagnostic social et patrimonial, clauses b\u00e9n\u00e9ficiaires, obligations de la DDA : ce que la pr\u00e9voyance...<\/div><\/div><\/div><\/div><div class=\"rt-col-md-4 rt-col-sm-6 rt-col-xs-12 even-grid-item rt-grid-item\" data-id=\"4883\"><div class=\"rt-holder\"><div class=\"rt-img-holder\"><a data-id=\"4883\" class=\"\" href=\"https:\/\/www.youtube.com\/watch?v=uXtCxTJc-u0\" target='_blank'><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/acl-ic.com\/wp-content\/uploads\/2026\/09\/Design-sans-titre-6-1024x576.png\" class=\"rt-img-responsive \" alt=\"\" \/><\/a><\/div><div class='rt-detail'><h3 class=\"entry-title\"><a data-id=\"4883\" class=\"\" href=\"https:\/\/www.youtube.com\/watch?v=uXtCxTJc-u0\" target='_blank'>\u00ab Sans pr\u00e9voyance, une entreprise peut fermer en 2h30. \u00bb<\/a><\/h3><div class='post-meta-user  '><span class='date'>28 octobre 2025<\/span><span class='categories-links'><a class=\"prevoyance-patrimoniale\" href=\"https:\/\/acl-ic.com\/index.php\/category\/prevoyance-patrimoniale\/\" rel=\"tag\">Pr\u00e9voyance patrimoniale<\/a><\/span><\/div><div class='tpg-excerpt'>13 minutes avec Vincent Tholance : pourquoi le dirigeant n'agit qu'une fois touch\u00e9, et ce...<\/div><\/div><\/div><\/div><div class=\"rt-col-md-4 rt-col-sm-6 rt-col-xs-12 even-grid-item rt-grid-item\" data-id=\"4877\"><div class=\"rt-holder\"><div class=\"rt-img-holder\"><a data-id=\"4877\" class=\"\" href=\"https:\/\/youtu.be\/PbYayGwUa9Q?si=zofS-Vuvc-EeQw0x\" target='_blank'><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/acl-ic.com\/wp-content\/uploads\/2024\/01\/Design-sans-titre-5-1024x576.png\" class=\"rt-img-responsive \" alt=\"\" \/><\/a><\/div><div class='rt-detail'><h3 class=\"entry-title\"><a data-id=\"4877\" class=\"\" href=\"https:\/\/youtu.be\/PbYayGwUa9Q?si=zofS-Vuvc-EeQw0x\" target='_blank'>Pr\u00e9voyance du CGP, l&rsquo;angle mort du m\u00e9tier<\/a><\/h3><div class='post-meta-user  '><span class='date'>19 janvier 2024<\/span><span class='categories-links'><a class=\"prevoyance-patrimoniale\" href=\"https:\/\/acl-ic.com\/index.php\/category\/prevoyance-patrimoniale\/\" rel=\"tag\">Pr\u00e9voyance patrimoniale<\/a><\/span><\/div><div class='tpg-excerpt'>5 minutes pour comprendre pourquoi la pr\u00e9voyance patrimoniale concerne aussi le professionnel : d\u00e9c\u00e8s, invalidit\u00e9...<\/div><\/div><\/div><\/div><\/div><\/div><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-339f1fe elementor-widget elementor-widget-html\" data-id=\"339f1fe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"acl-nav\">\r\n  <button type=\"button\" class=\"acl-arrow\" data-dir=\"-1\" aria-label=\"Publications pr\u00e9c\u00e9dentes\">&larr;<\/button>\r\n  <button type=\"button\" class=\"acl-arrow\" data-dir=\"1\" aria-label=\"Publications suivantes\">&rarr;<\/button>\r\n<\/div>\r\n\r\n<style>\r\n  .acl-nav{\r\n    display:flex !important; justify-content:center !important; gap:12px !important;\r\n    margin-top:15px !important;\r\n  }\r\n  .acl-nav .acl-arrow{\r\n    width:48px !important; height:48px !important; padding:0 !important; margin:0 !important;\r\n    background:transparent !important;\r\n    border:1px solid rgba(187,162,119,.45) !important; border-radius:50% !important;\r\n    color:#EFE7DA !important; font-size:18px !important; line-height:1 !important;\r\n    cursor:pointer !important; transition:all .2s ease !important;\r\n  }\r\n  .acl-nav .acl-arrow:hover:not(:disabled){\r\n    border-color:#bba277 !important; color:#bba277 !important;\r\n  }\r\n  .acl-nav .acl-arrow:disabled{\r\n    opacity:.25 !important; cursor:default !important;\r\n  }\r\n<\/style>\r\n\r\n<script>\r\n(function(){\r\n  function init(){\r\n    var row = document.querySelector('.acl-carrousel .rt-row');\r\n    var nav = document.querySelector('.acl-nav');\r\n    if(!row || !nav) return;\r\n    var prev = nav.querySelector('[data-dir=\"-1\"]');\r\n    var next = nav.querySelector('[data-dir=\"1\"]');\r\n    function update(){\r\n      var max = row.scrollWidth - row.clientWidth - 2;\r\n      prev.disabled = row.scrollLeft <= 2;\r\n      next.disabled = row.scrollLeft >= max;\r\n    }\r\n    nav.addEventListener('click', function(e){\r\n      var b = e.target.closest('.acl-arrow');\r\n      if(!b) return;\r\n      row.scrollBy({ left: Number(b.getAttribute('data-dir')) * row.clientWidth, behavior: 'smooth' });\r\n    });\r\n    row.addEventListener('scroll', update);\r\n    window.addEventListener('resize', update);\r\n    update();\r\n  }\r\n  if(document.readyState === 'loading'){\r\n    document.addEventListener('DOMContentLoaded', init);\r\n  } else { init(); }\r\n})();\r\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c2fde9a elementor-widget elementor-widget-spacer\" data-id=\"c2fde9a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-88f0235 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"88f0235\" 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-5824dcf\" data-id=\"5824dcf\" 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-19ac9ed elementor-widget elementor-widget-html\" data-id=\"19ac9ed\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<!-- ACL Family Office \u2014 Section \"FAQ\" (accueil) -->\r\n<!-- Bloc autonome pour widget HTML Elementor \u00b7 wrapper unique #acl-faq -->\r\n\r\n<div id=\"acl-faq\">\r\n  <style>\r\n    @import url('https:\/\/fonts.googleapis.com\/css2?family=Cormorant+Garamond:ital,wght@0,300;0,400;0,500;1,300;1,400&family=Inter:wght@300;400;500;600&display=swap');\r\n\r\n    #acl-faq *,\r\n    #acl-faq *::before,\r\n    #acl-faq *::after{ margin:0 !important; padding:0 !important; box-sizing:border-box !important; }\r\n\r\n    #acl-faq{\r\n      --gold:#bba277; --gold-lt:#d4be8a;\r\n      --cream:#EFE7DA; --muted:rgba(239,231,218,.58); --line:rgba(187,162,119,.20);\r\n      background:#202020 !important; color:var(--cream) !important;\r\n      font-family:'Inter',sans-serif !important; font-weight:300 !important;\r\n      -webkit-font-smoothing:antialiased !important; -moz-osx-font-smoothing:grayscale !important;\r\n      padding:100px 100px !important; overflow:hidden !important;\r\n    }\r\n    #acl-faq .acl-wrap{ max-width:1180px !important; margin:0 auto !important; }\r\n\r\n    #acl-faq .acl-faqgrid{ display:grid !important; grid-template-columns:380px 1fr !important; gap:90px !important; align-items:start !important; }\r\n    \/* min-width:0 : sans quoi le rail de cat\u00e9gories (nowrap) \u00e9largit la grille sur mobile *\/\r\n    #acl-faq .acl-faqgrid > *{ min-width:0 !important; }\r\n\r\n    \/* ---------- colonne gauche : titre + navigation ---------- *\/\r\n    #acl-faq .acl-head{ text-align:left !important; }\r\n    #acl-faq .acl-eyebrow{ display:inline-flex !important; align-items:center !important; font-family:'Inter',sans-serif !important; font-weight:600 !important; font-size:12px !important; text-transform:uppercase !important; letter-spacing:.30em !important; color:var(--gold) !important; }\r\n    #acl-faq .acl-eyebrow::before{ content:'' !important; width:38px !important; height:1px !important; background:var(--gold) !important; margin-right:20px !important; }\r\n    #acl-faq .acl-title{ font-family:'Cormorant Garamond',serif !important; font-weight:400 !important; font-size:54px !important; line-height:1.05 !important; text-transform:none !important; margin-top:24px !important; color:var(--cream) !important; }\r\n    #acl-faq .acl-title em{ font-style:italic !important; color:var(--gold-lt) !important; }\r\n\r\n    #acl-faq .acl-nav{ margin-top:38px !important; display:flex !important; flex-direction:column !important; border-left:1px solid var(--line) !important; }\r\n    #acl-faq .acl-cat{ position:relative !important; background:none !important; border:none !important; cursor:pointer !important; text-align:left !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; }\r\n    #acl-faq .acl-q{ width:100% !important; background:none !important; border:none !important; cursor:pointer !important; text-align:left !important; display:flex !important; align-items:center !important; gap:28px !important; padding:30px 4px !important; color:var(--cream) !important; transition:color .3s ease !important; }\r\n    #acl-faq .acl-q:hover{ color:var(--gold-lt) !important; }\r\n    #acl-faq .acl-qtext{ flex:1 !important; font-family:'Inter',sans-serif !important; font-weight:500 !important; font-size:18px !important; line-height:1.4 !important; letter-spacing:.005em !important; text-transform:none !important; }\r\n    #acl-faq .acl-item.is-open .acl-q{ color:var(--gold-lt) !important; }\r\n\r\n    \/* ic\u00f4ne plus \/ moins *\/\r\n    #acl-faq .acl-ic{ position:relative !important; width:18px !important; height:18px !important; flex-shrink:0 !important; }\r\n    #acl-faq .acl-ic::before, #acl-faq .acl-ic::after{ content:'' !important; position:absolute !important; top:50% !important; left:50% !important; background:var(--gold) !important; transition:transform .35s ease, background .3s ease !important; }\r\n    #acl-faq .acl-ic::before{ width:18px !important; height:1.5px !important; transform:translate(-50%,-50%) !important; }\r\n    #acl-faq .acl-ic::after{ width:1.5px !important; height:18px !important; transform:translate(-50%,-50%) !important; }\r\n    #acl-faq .acl-item.is-open .acl-ic::after{ transform:translate(-50%,-50%) scaleY(0) !important; }\r\n    #acl-faq .acl-item.is-open .acl-ic::before{ background:var(--gold-lt) !important; }\r\n\r\n    #acl-faq .acl-a{ overflow:hidden !important; max-height:0 !important; transition:max-height .5s cubic-bezier(.4,0,.2,1) !important; }\r\n    #acl-faq .acl-ainner{ font-family:'Inter',sans-serif !important; font-size:15px !important; font-weight:300 !important; line-height:1.78 !important; color:var(--muted) !important; padding:0 60px 34px 4px !important; max-width:60ch !important; }\r\n\r\n    \/* --- mise en forme interne des r\u00e9ponses --- *\/\r\n    #acl-faq .acl-ainner p + p{ margin-top:15px !important; }\r\n    #acl-faq .acl-ainner ul{ list-style:none !important; margin:14px 0 0 0 !important; padding:0 !important; }\r\n    #acl-faq .acl-ainner ul + p{ margin-top:15px !important; }\r\n    #acl-faq .acl-ainner li{ position:relative !important; padding-left:22px !important; margin-top:9px !important; }\r\n    #acl-faq .acl-ainner li:first-child{ margin-top:0 !important; }\r\n    #acl-faq .acl-ainner li::before{ content:'' !important; position:absolute !important; left:2px !important; top:.82em !important; width:7px !important; height:1px !important; background:var(--gold) !important; opacity:.85 !important; }\r\n    #acl-faq .acl-ainner strong{ font-weight:500 !important; color:rgba(239,231,218,.86) !important; }\r\n    #acl-faq .acl-ainner a{ color:var(--gold-lt) !important; text-decoration:none !important; border-bottom:1px solid rgba(212,190,138,.4) !important; }\r\n    #acl-faq .acl-sub{ display:block !important; font-family:'Inter',sans-serif !important; font-size:12px !important; font-weight:600 !important; letter-spacing:.16em !important; text-transform:uppercase !important; color:var(--gold) !important; margin-top:22px !important; margin-bottom:8px !important; }\r\n    #acl-faq .acl-ainner > .acl-sub:first-child{ margin-top:0 !important; }\r\n\r\n    @media (max-width:980px){\r\n      #acl-faq{ padding:80px 22px !important; }\r\n      #acl-faq .acl-faqgrid{ grid-template-columns:1fr !important; gap:34px !important; }\r\n      #acl-faq .acl-title{ font-size:42px !important; }\r\n      #acl-faq .acl-list{ min-height:0 !important; }\r\n      #acl-faq .acl-nav{ flex-direction:row !important; border-left:none !important; border-bottom:1px solid var(--line) !important; margin-top:30px !important; gap:26px !important; overflow-x:auto !important; -webkit-overflow-scrolling:touch !important; scrollbar-width:none !important; }\r\n      #acl-faq .acl-nav::-webkit-scrollbar{ display:none !important; }\r\n      #acl-faq .acl-cat{ padding:0 0 14px 0 !important; white-space:nowrap !important; flex-shrink:0 !important; }\r\n      #acl-faq .acl-cat::before{ left:0 !important; top:auto !important; bottom:-1px !important; width:100% !important; height:1px !important; transform:scaleX(0) !important; }\r\n      #acl-faq .acl-cat.is-active::before{ transform:scaleX(1) !important; }\r\n      #acl-faq .acl-note{ max-width:none !important; margin-top:30px !important; }\r\n    }\r\n    @media (max-width:560px){\r\n      #acl-faq{ padding:64px 18px !important; }\r\n      #acl-faq .acl-title{ font-size:34px !important; }\r\n      #acl-faq .acl-qtext{ font-size:16px !important; }\r\n      #acl-faq .acl-q{ padding:26px 4px !important; gap:18px !important; }\r\n      #acl-faq .acl-ainner{ padding-right:20px !important; }\r\n      #acl-faq .acl-cat .acl-n{ display:none !important; }\r\n    }\r\n  <\/style>\r\n\r\n  <div class=\"acl-wrap\">\r\n    <section class=\"acl-faqgrid\">\r\n\r\n      <div class=\"acl-head\">\r\n        <div class=\"acl-eyebrow\">Questions fr\u00e9quentes<\/div>\r\n        <h2 class=\"acl-title\">Vos questions,<br>nos <em>r\u00e9ponses<\/em>.<\/h2>\r\n\r\n        <nav class=\"acl-nav\">\r\n          <button class=\"acl-cat is-active\" data-cat=\"metier\">Le family office <span class=\"acl-n\">04<\/span><\/button>\r\n          <button class=\"acl-cat\" data-cat=\"accompagnement\">Notre accompagnement <span class=\"acl-n\">04<\/span><\/button>\r\n          <button class=\"acl-cat\" data-cat=\"honoraires\">Honoraires &amp; ind\u00e9pendance <span class=\"acl-n\">03<\/span><\/button>\r\n          <button class=\"acl-cat\" data-cat=\"confiance\">Confiance &amp; r\u00e9seau <span class=\"acl-n\">03<\/span><\/button>\r\n        <\/nav>\r\n\r\n        <p class=\"acl-note\">Vous ne trouvez pas la r\u00e9ponse \u00e0 votre question ? <a href=\"https:\/\/acl-ic.com\/index.php\/contact\/\">\u00c9crivez-nous<\/a>, nous nous effor\u00e7ons de vous r\u00e9pondre dans les meilleurs d\u00e9lais.<\/p>\r\n      <\/div>\r\n\r\n      <div class=\"acl-list\">\r\n\r\n        <!-- ============ 1 \u00b7 LE FAMILY OFFICE ============ -->\r\n        <div class=\"acl-item\" data-cat=\"metier\">\r\n          <button class=\"acl-q\"><span class=\"acl-qtext\">Qu'est-ce qu'un family office ?<\/span><span class=\"acl-ic\"><\/span><\/button>\r\n          <div class=\"acl-a\"><div class=\"acl-ainner\">\r\n            <p>Un family office est un partenaire de confiance qui accompagne les d\u00e9tenteurs d'un patrimoine dans sa gestion \u2014 organisation, s\u00e9curisation et transmission \u2014 sur le court comme sur le long terme.<\/p>\r\n            <p>Au-del\u00e0 de la gestion patrimoniale, son r\u00f4le est de coordonner l'ensemble des enjeux juridiques, fiscaux et familiaux, afin d'assurer la protection et la p\u00e9rennit\u00e9 du patrimoine.<\/p>\r\n          <\/div><\/div>\r\n        <\/div>\r\n\r\n        <div class=\"acl-item\" data-cat=\"metier\">\r\n          <button class=\"acl-q\"><span class=\"acl-qtext\">Quelle est la diff\u00e9rence entre un mono-family office et un multi-family office ?<\/span><span class=\"acl-ic\"><\/span><\/button>\r\n          <div class=\"acl-a\"><div class=\"acl-ainner\">\r\n            <p>On distingue deux mod\u00e8les :<\/p>\r\n            <ul>\r\n              <li>le <strong>mono-family office<\/strong>, d\u00e9di\u00e9 \u00e0 une seule famille ;<\/li>\r\n              <li>le <strong>multi-family office<\/strong>, qui accompagne plusieurs familles en mutualisant les expertises.<\/li>\r\n            <\/ul>\r\n            <p>ACL Family Office est un multi-family office ind\u00e9pendant.<\/p>\r\n          <\/div><\/div>\r\n        <\/div>\r\n\r\n        <div class=\"acl-item\" data-cat=\"metier\">\r\n          <button class=\"acl-q\"><span class=\"acl-qtext\">\u00c0 qui s'adresse un family office ?<\/span><span class=\"acl-ic\"><\/span><\/button>\r\n          <div class=\"acl-a\"><div class=\"acl-ainner\">\r\n            <p>Nous nous adressons \u00e0 des profils vari\u00e9s, r\u00e9unis par un m\u00eame besoin : organiser, prot\u00e9ger ou transmettre un patrimoine existant. Notre approche est personnalis\u00e9e et humaine, fond\u00e9e sur la proximit\u00e9 et la compr\u00e9hension des enjeux propres \u00e0 chaque situation.<\/p>\r\n            <p>Nous intervenons notamment aupr\u00e8s :<\/p>\r\n            <ul>\r\n              <li>des particuliers et des familles souhaitant organiser, structurer et transmettre leur patrimoine ;<\/li>\r\n              <li>des personnes vuln\u00e9rables et de leurs aidants, pour les prot\u00e9ger et les accompagner ;<\/li>\r\n              <li>des dirigeants et chefs d'entreprise, sur les enjeux patrimoniaux et de transmission ;<\/li>\r\n              <li>des conseillers en gestion de patrimoine (CGP), en appui de leur accompagnement.<\/li>\r\n            <\/ul>\r\n            <p>Nous intervenons partout en France.<\/p>\r\n          <\/div><\/div>\r\n        <\/div>\r\n\r\n        <div class=\"acl-item\" data-cat=\"metier\">\r\n          <button class=\"acl-q\"><span class=\"acl-qtext\">Qu'est-ce que l'ing\u00e9nierie patrimoniale ?<\/span><span class=\"acl-ic\"><\/span><\/button>\r\n          <div class=\"acl-a\"><div class=\"acl-ainner\">\r\n            <p>L'ing\u00e9nierie patrimoniale consiste \u00e0 organiser, structurer et optimiser un patrimoine en coordonnant ses dimensions juridiques, fiscales et financi\u00e8res. L'objectif : donner \u00e0 votre patrimoine une organisation claire, coh\u00e9rente et durable, align\u00e9e sur vos projets de vie.<\/p>\r\n          <\/div><\/div>\r\n        <\/div>\r\n\r\n        <!-- ============ 2 \u00b7 NOTRE ACCOMPAGNEMENT ============ -->\r\n        <div class=\"acl-item is-hidden\" data-cat=\"accompagnement\">\r\n          <button class=\"acl-q\"><span class=\"acl-qtext\">Quels sont vos domaines d'intervention ?<\/span><span class=\"acl-ic\"><\/span><\/button>\r\n          <div class=\"acl-a\"><div class=\"acl-ainner\">\r\n            <p>Notre accompagnement couvre notamment :<\/p>\r\n            <ul>\r\n              <li>l'ing\u00e9nierie patrimoniale (structuration, protection et transmission du patrimoine) ;<\/li>\r\n              <li>l'accompagnement et la protection des personnes vuln\u00e9rables ;<\/li>\r\n              <li>la pr\u00e9voyance patrimoniale ;<\/li>\r\n              <li>la cartographie et la gestion des risques ;<\/li>\r\n              <li>la gouvernance familiale et d'entreprise ;<\/li>\r\n              <li>l'approche internationale.<\/li>\r\n            <\/ul>\r\n            <p>Nous proposons \u00e9galement :<\/p>\r\n            <ul>\r\n              <li>des formations et enseignements de niveau master sur ces sujets ;<\/li>\r\n              <li>des prestations de service d\u00e9di\u00e9es aux conseillers en gestion de patrimoine (CGP).<\/li>\r\n            <\/ul>\r\n          <\/div><\/div>\r\n        <\/div>\r\n\r\n        <div class=\"acl-item is-hidden\" data-cat=\"accompagnement\">\r\n          <button class=\"acl-q\"><span class=\"acl-qtext\">Quand faut-il se faire accompagner ?<\/span><span class=\"acl-ic\"><\/span><\/button>\r\n          <div class=\"acl-a\"><div class=\"acl-ainner\">\r\n            <span class=\"acl-sub\">Par anticipation<\/span>\r\n            <p>Il n'y a pas de \u00ab bon moment \u00bb unique : on peut faire appel \u00e0 un family office \u00e0 tout moment de la vie patrimoniale. Cela peut \u00eatre en amont, pour anticiper les situations de vuln\u00e9rabilit\u00e9, ou une fois celles-ci survenues. L'id\u00e9al reste toutefois d'anticiper : plus une situation est pr\u00e9par\u00e9e en amont, plus les solutions possibles sont nombreuses.<\/p>\r\n            <span class=\"acl-sub\">Une fois la situation survenue<\/span>\r\n            <ul>\r\n              <li>une \u00e9volution familiale : mariage, divorce, naissance, arriv\u00e9e d'un proche vuln\u00e9rable, d\u00e9c\u00e8s ;<\/li>\r\n              <li>une \u00e9tape cl\u00e9 de la vie : pr\u00e9paration de la retraite, anticipation d'une d\u00e9pendance ;<\/li>\r\n              <li>un \u00e9v\u00e9nement patrimonial : vente d'entreprise, cession d'actifs, r\u00e9ception d'un h\u00e9ritage ou d'une donation ;<\/li>\r\n              <li>un patrimoine devenu complexe : actifs dispers\u00e9s, dimension internationale, manque de lisibilit\u00e9 ;<\/li>\r\n              <li>un projet de transmission : organiser la succession et prot\u00e9ger ses proches dans les meilleures conditions.<\/li>\r\n            <\/ul>\r\n            <p>Dans tous les cas, un premier rendez-vous gratuit et sans engagement permet de faire le point sur votre situation et de d\u00e9terminer si un accompagnement est pertinent pour vous.<\/p>\r\n          <\/div><\/div>\r\n        <\/div>\r\n\r\n        <div class=\"acl-item is-hidden\" data-cat=\"accompagnement\">\r\n          <button class=\"acl-q\"><span class=\"acl-qtext\">Comment se d\u00e9roule notre accompagnement ?<\/span><span class=\"acl-ic\"><\/span><\/button>\r\n          <div class=\"acl-a\"><div class=\"acl-ainner\">\r\n            <p>Tout commence par une prise de contact via le <a href=\"https:\/\/acl-ic.com\/index.php\/contact\/\">formulaire de contact<\/a> du site.<\/p>\r\n            <p>Nous organisons ensuite un premier rendez-vous, gratuit et sans engagement, en pr\u00e9sentiel ou \u00e0 distance selon vos disponibilit\u00e9s. Cet entretien nous permet de comprendre votre situation patrimoniale, vos enjeux et vos objectifs.<\/p>\r\n            <p>Sur cette base, nous vous proposons un accompagnement structur\u00e9, adapt\u00e9 \u00e0 votre profil et \u00e0 vos besoins.<\/p>\r\n          <\/div><\/div>\r\n        <\/div>\r\n\r\n        <div class=\"acl-item is-hidden\" data-cat=\"accompagnement\">\r\n          <button class=\"acl-q\"><span class=\"acl-qtext\">Quelle est la dur\u00e9e d'engagement ?<\/span><span class=\"acl-ic\"><\/span><\/button>\r\n          <div class=\"acl-a\"><div class=\"acl-ainner\">\r\n            <p>Il n'y a pas de dur\u00e9e impos\u00e9e : l'accompagnement s'adapte \u00e0 vos besoins. Il peut prendre la forme d'une mission ponctuelle, sur un sujet pr\u00e9cis (une transmission, la protection d'un proche, la structuration d'un patrimoine\u2026), ou d'un accompagnement dans la dur\u00e9e, pour suivre et faire \u00e9voluer votre situation au fil du temps.<\/p>\r\n            <p>Les modalit\u00e9s et la dur\u00e9e sont d\u00e9finies avec vous, en toute transparence, avant tout engagement.<\/p>\r\n          <\/div><\/div>\r\n        <\/div>\r\n\r\n        <!-- ============ 3 \u00b7 HONORAIRES & IND\u00c9PENDANCE ============ -->\r\n        <div class=\"acl-item is-hidden\" data-cat=\"honoraires\">\r\n          <button class=\"acl-q\"><span class=\"acl-qtext\">Combien co\u00fbte un accompagnement ?<\/span><span class=\"acl-ic\"><\/span><\/button>\r\n          <div class=\"acl-a\"><div class=\"acl-ainner\">\r\n            <p>Chaque accompagnement \u00e9tant unique, il n'existe pas de tarif standard.<\/p>\r\n            <p>Le premier rendez-vous est gratuit et sans engagement : il nous permet de cerner vos besoins. Nous vous proposons ensuite un devis personnalis\u00e9, avant tout engagement de votre part.<\/p>\r\n          <\/div><\/div>\r\n        <\/div>\r\n\r\n        <div class=\"acl-item is-hidden\" data-cat=\"honoraires\">\r\n          <button class=\"acl-q\"><span class=\"acl-qtext\">Comment un family office est-il r\u00e9mun\u00e9r\u00e9 ?<\/span><span class=\"acl-ic\"><\/span><\/button>\r\n          <div class=\"acl-a\"><div class=\"acl-ainner\">\r\n            <p>En tant que multi-family office, ACL Initiative Conseil privil\u00e9gie une r\u00e9mun\u00e9ration par honoraires, r\u00e9gl\u00e9s directement par ses clients. C'est la garantie d'un conseil objectif et align\u00e9 sur vos int\u00e9r\u00eats.<\/p>\r\n            <p>Selon la nature de la mission et les statuts r\u00e9glementaires mobilis\u00e9s, une r\u00e9mun\u00e9ration sous forme de commissions peut s'ajouter (par exemple en tant que courtier en assurance ou dans le cadre d'un d\u00e9marchage bancaire et financier). Dans ce cas, le montant de ces commissions vous est toujours communiqu\u00e9 avant toute souscription, en toute transparence.<\/p>\r\n            <p>Le d\u00e9tail de notre mode de r\u00e9mun\u00e9ration, statut par statut, est pr\u00e9cis\u00e9 dans notre convention de mission.<\/p>\r\n          <\/div><\/div>\r\n        <\/div>\r\n\r\n        <div class=\"acl-item is-hidden\" data-cat=\"honoraires\">\r\n          <button class=\"acl-q\"><span class=\"acl-qtext\">\u00cates-vous r\u00e9ellement ind\u00e9pendants ?<\/span><span class=\"acl-ic\"><\/span><\/button>\r\n          <div class=\"acl-a\"><div class=\"acl-ainner\">\r\n            <p>Oui. Nous ne commercialisons aucun produit maison et ne sommes li\u00e9s \u00e0 aucun \u00e9tablissement financier. Nos recommandations ne servent qu'une seule boussole : vos int\u00e9r\u00eats, sans conflit d'int\u00e9r\u00eat.<\/p>\r\n          <\/div><\/div>\r\n        <\/div>\r\n\r\n        <!-- ============ 4 \u00b7 CONFIANCE & R\u00c9SEAU ============ -->\r\n        <div class=\"acl-item is-hidden\" data-cat=\"confiance\">\r\n          <button class=\"acl-q\"><span class=\"acl-qtext\">Travaillez-vous avec d'autres experts ?<\/span><span class=\"acl-ic\"><\/span><\/button>\r\n          <div class=\"acl-a\"><div class=\"acl-ainner\">\r\n            <p>Oui. L'un des r\u00f4les cl\u00e9s d'un family office est justement de coordonner l'ensemble des expertises n\u00e9cessaires \u00e0 votre situation. Plut\u00f4t que de vous adresser s\u00e9par\u00e9ment \u00e0 chaque interlocuteur, nous faisons le lien entre eux pour vous garantir une approche coh\u00e9rente et globale.<\/p>\r\n            <p>Selon vos besoins, nous collaborons notamment avec :<\/p>\r\n            <ul>\r\n              <li>des notaires, pour les actes et la transmission ;<\/li>\r\n              <li>des avocats, sur les questions juridiques et fiscales ;<\/li>\r\n              <li>des experts-comptables et fiscalistes ;<\/li>\r\n              <li>des banquiers et gestionnaires d'actifs ;<\/li>\r\n              <li>des conseillers en gestion de patrimoine (CGP) ;<\/li>\r\n              <li>ainsi que tout sp\u00e9cialiste requis par votre situation (assurance, immobilier, dimension internationale\u2026).<\/li>\r\n            <\/ul>\r\n            <p>Nous pouvons travailler avec vos interlocuteurs habituels ou vous orienter vers des experts de confiance de notre r\u00e9seau. Dans tous les cas, nous restons votre interlocuteur unique, garant de la vision d'ensemble et de la bonne articulation de chaque intervention.<\/p>\r\n          <\/div><\/div>\r\n        <\/div>\r\n\r\n        <div class=\"acl-item is-hidden\" data-cat=\"confiance\">\r\n          <button class=\"acl-q\"><span class=\"acl-qtext\">Un family office peut-il g\u00e9rer un patrimoine international ?<\/span><span class=\"acl-ic\"><\/span><\/button>\r\n          <div class=\"acl-a\"><div class=\"acl-ainner\">\r\n            <p>Oui. De nombreuses familles d\u00e9tiennent aujourd'hui des actifs \u00e0 l'\u00e9tranger, ont des membres expatri\u00e9s ou une dimension internationale dans leur patrimoine. Ces situations soul\u00e8vent des enjeux juridiques et fiscaux sp\u00e9cifiques, souvent complexes.<\/p>\r\n            <p>Nous vous accompagnons sur ces probl\u00e9matiques et coordonnons, si n\u00e9cessaire, des experts locaux (fiscalit\u00e9, droit, transmission) dans les pays concern\u00e9s, afin d'assurer une approche coh\u00e9rente et s\u00e9curis\u00e9e, quelle que soit la localisation de vos biens ou de vos proches.<\/p>\r\n          <\/div><\/div>\r\n        <\/div>\r\n\r\n        <div class=\"acl-item is-hidden\" data-cat=\"confiance\">\r\n          <button class=\"acl-q\"><span class=\"acl-qtext\">Comment garantissez-vous la confidentialit\u00e9 de mes informations ?<\/span><span class=\"acl-ic\"><\/span><\/button>\r\n          <div class=\"acl-a\"><div class=\"acl-ainner\">\r\n            <p>La confidentialit\u00e9 est au c\u0153ur de notre m\u00e9tier. Les sujets patrimoniaux et familiaux touchent \u00e0 votre intimit\u00e9 : nous les traitons avec la plus grande discr\u00e9tion.<\/p>\r\n            <p>Toutes les informations que vous nous confiez restent strictement confidentielles et ne sont jamais partag\u00e9es sans votre accord. Lorsque l'intervention d'autres experts est n\u00e9cessaire, elle se fait avec votre autorisation et dans le seul cadre de votre accompagnement.<\/p>\r\n          <\/div><\/div>\r\n        <\/div>\r\n\r\n      <\/div>\r\n    <\/section>\r\n  <\/div>\r\n\r\n  <script>\r\n  (function () {\r\n    var root = document.getElementById('acl-faq');\r\n    if (!root) return;\r\n\r\n    var list  = root.querySelector('.acl-list');\r\n    var items = Array.prototype.slice.call(root.querySelectorAll('.acl-item'));\r\n    var cats  = Array.prototype.slice.call(root.querySelectorAll('.acl-cat'));\r\n\r\n    \/* setProperty(...,'important') : indispensable, le CSS du bloc\r\n       d\u00e9clare max-height:0 !important pour r\u00e9sister aux th\u00e8mes WordPress *\/\r\n    function setHeight(item, open) {\r\n      var a = item.querySelector('.acl-a');\r\n      var h = open ? (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-dbf52d7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"dbf52d7\" 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-46a6cf6\" data-id=\"46a6cf6\" 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-32d263c elementor-widget elementor-widget-html\" data-id=\"32d263c\" 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-d54f34b elementor-widget elementor-widget-heading\" data-id=\"d54f34b\" 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-86a252e elementor-widget elementor-widget-text-editor\" data-id=\"86a252e\" 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-4a1760e elementor-list-item-link-inline elementor-icon-list--layout-traditional elementor-widget elementor-widget-icon-list\" data-id=\"4a1760e\" 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-73a338e\" data-id=\"73a338e\" 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 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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>Pr\u00e9voyance patrimoniale Anticiper, organiser et s\u00e9curiser votre avenir, avec un regard centr\u00e9 sur vos besoins. &ldquo; La pr\u00e9voyance patrimoniale, c&rsquo;est l&rsquo;art de prot\u00e9ger ce que vous avez construit contre les al\u00e9as de la vie qui pourraient tout faire dispara\u00eetre. ACL Family Office ACL \u2014 Pr\u00e9voyance Option C protection Quelle pr\u00e9voyance pour vous ? Couverture partielle &hellip;<\/p>\n<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/youtu.be\/PbYayGwUa9Q?si=zofS-Vuvc-EeQw0x\"> <span class=\"screen-reader-text\">Pr\u00e9voyance du CGP, l&rsquo;angle mort du m\u00e9tier<\/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-577","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Le Family Office | ACL Family Office<\/title>\n<meta name=\"description\" content=\"Un interlocteur transversal pour une approche globale et des solutions sur mesure couvrant la famille, l&#039;entreprise et le patrimoine.\" \/>\n<meta name=\"robots\" content=\"index, follow, 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