Compliance & Transparency

Member of the CNCGP

 

Our activities are regulated by French supervisory authorities. We are members of the CNCGP (National Commission of Wealth Management Advisors), a professional association approved by the Autorité des Marchés Financiers (AMF), the regulatory authority of French financial markets. We are also registered with ORIAS and the Autorité de Contrôle Prudentiel et de Résolution (ACPR), the French supervisory body for banking and insurance.

 

Certifications

Financial Investment Advisor (CIF) registered with the single register of insurance, banking, and finance intermediaries under number 24002676 (ORIAS)

Insurance Broker (COA) Category B registered with the single register of insurance, banking, and finance intermediaries under number 24002676 (ORIAS)

Broker in banking operations and payment services (COBSP) registered with the single register of insurance, banking, and finance intermediaries under number 24002676 (ORIAS)

Financial Guarantee and Professional Liability Insurance No. 118.263.166 (Member No. 031271) from MMA IARD, 160 rue Henri Champion – 72030 Le Mans Cedex 9.

 

Remunerations, Commissions, and Non-Monetary Benefits

 

At Apex Capital, transparency regarding our compensation methods is essential. We ensure complete transparency when it comes to the fees applied to the products we recommend. For example, within the same product category, such as French life insurance, the firm’s fees are the same across all solutions and are determined based on the amount invested. This ensures that all solutions listed by Apex Capital within a given category benefit from fair and consistent pricing. It also guarantees that there is no conflict of interest or incentive to favor one solution over another. Our sole objective is to provide impartial advice tailored to the specific needs of our clients.

 

Here is how we perceive our fees and commissions:

 

Strategic Wealth Management Advisory

For strategic wealth management advisory, the remuneration is in the form of fees. A mission letter specifies the terms and the amount.

 

Financial, Insurance, and Real Estate Investment Advisory

For financial, insurance, and real estate investment advisory, our remuneration comes from fees related to the interventions, paid directly or indirectly by the promoters of the products or services (insurers, management companies, real estate promoters).

 

Retrocession Commissions

When a financial investment advisory service is followed by an intermediation service, we may receive retrocession commissions from the promoters of the products and services related to the investments:

 

• Subscription Fees:

• SCPI: Retrocession between 5% and 8% of the invested amount.
• FIP/FCPI: Retrocession up to 5% of the invested amount.
• “Up Front” Commission: Up to 3% of the invested amount for Euro Medium Term Notes (EMTN).
• Arbitration Fees: Variable retrocession depending on the suppliers, based on the difference between the applied fees and an “incompressible supplier” (minimum of €15).

 

• Management Fees:

• OPC and EMTN: Retrocession between 75% and 85% of the fees paid to account holders.
• FIP/FCPI/FCPR and equivalent vehicles: Annual retrocession between 0.5% and 1.5% of the assets under management.

In accordance with regulations, the client can obtain more detailed information upon request from their advisor, the account holder institution, or directly from the producer if the latter is not the custodian.

 

Insurance and Reinsurance Brokerage

For insurance and reinsurance brokerage activities, we receive retrocessions on entry fees, arbitration fees, management fees, and investments made by our clients.

For any questions or additional information, contact us. At Apex Capital, your satisfaction and transparency are our priorities.

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