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ABOUT US

Simplification, Traceability, Security and Efficiency

PBS Consulting was created by Stéphane Ponci-Burton in order to support you in your various projects.

We are there in times of euphoria, as in storms, in order to protect your interests, listening to you, advising you and supporting you as best we can, because we are interdependent and work for the long term.
Giving value to time is the best way to calmly anticipate the future.

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Stéphane has an extensive experience in International Finance as Executive Member of the Growth Committee of the Western Europe for the world’s number one bank in Wealth Management. 

He had the pleasure of advising many international groups and CEOs. He also supports several companies in their digitization process and is a member of several boards of directors.

We advise companies as well as families, family offices, foundations, non-profit organizations.

What is your project ? Let’s talk about it!

OUR SERVICES

A Goal Without a Plan is Just a Wish

Therefore, Stéphan experience of more than 20 years in finance is there to make sure to achieve your goal. 

Financial advice
Acquisition
Merger & Acquisition
Optimization
Intermediation
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Logo-PBS_Consulting-final-min
Optimization
Intermediation
Merger & Acquisition
Acquisition
Financial advice

Our clients are companies, entrepreneurs, executives, individuals, family offices, families, foundations.

We take care of finding you the best solutions to best structure your assets and governance. Through:

Optimization

Organizational performance management plans, organizes, controls and directs in order to achieve a clear objective.

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Intermediation

Thanks to our global network, we offer many services in intermediation.

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Merger & Acquisition

We work closely with the best lawyers, the best accountants, banks to guarantee you an efficient process and an optimal flow throughout the chain.

Sale

We support you independently in all phases of a merger and acquisition transaction.

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Purchase

We represent your interests in the negotiations and organize the financing of your transaction.

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Business and Project Financing

Organization of financing, for companies in a growth phase or in a restructuring situation.

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Acquisition

We support you in the development of acquisition strategies as well as in the identification and evaluation of target companies.
Real Estate, Wine Estate and Bottles

Thanks to our network of real estate brokers, we can find you the real estate of your dreams.

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Jet, Yacht and Luxury Cars

Let us help you to get the jet, yacht or Luxury car of your dreams.

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Arts and Luxury Goods

From good piece of art to luxury goods like beautiful jewelry, we got you covered.

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Financial Advice

We analyze all the assets of our clients in order to be able to give them a clear situation and to give them the right direction to take in order to achieve their objective.

Build your Heritage

We will help you to choose from a diverse range of products, as well as solutions.

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Manage the Taxation of your Assets

We will study all the solutions adapted to your personal needs today and in the future.

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Prepare for your Retirement

Even if you paid contributions, you can expect to have about a third less income in retirement.

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Pass on your Heritage

If you want to help your loved ones or pass on your assets, it is necessary to do it correctly.

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Enhance your Heritage

We will help you put in place the most suitable wealth management strategy.

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Diversify your Heritage

It is essential to diversify your wealth to be less dependent on the market and its variations.

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Optimization​

Organizational performance management (plans, organizes, controls and directs in order to achieve a clear objective), the implementation of a strategy or the accomplishment of a project.

Method and process Analyze the strategic objectives of the company or private
Choose the process that adds the most value to the business or private
Analyze these processes
Define the performance indicators: – Relevance; – Easy to understand; – Easy to measure; – Quantifiable in number
Automate processes
Set up the project and evaluate its performance
Define improvements in the process

Performance is associated with the concepts of effectiveness, efficiency, consistency and relevance.
By relating results to objectives, efficiency reflects the ability of the company to achieve its objectives.
Efficiency, which links results and means or resources, expresses the principle of economy (better combination of costs and returns).
By relating the objectives to the means, consistency reflects the adequacy that is supposed to guarantee the balance of the system.
Relevance links the objectives or the means and resources with the constraints of an exogenous nature weighing on the company.

Improving operational and organizational performance to serve the performance of the company:

It demonstrates the company’s ability to:
Have a value proposition that remains attractive. Is the company competitive? What are the company’s competitive advantages? How is the offer perceived by customers? Solve the profit equation. Is the business profitable? Are the factors of production productive? Does the invested capital generate the targeted return on investment? What is the financial potential for development? Have an organization that works without a hitch. Does the company apply good organizational and management practices that are consistent with its characteristics? Is the organization functioning properly in the field (in interactions, power struggles, etc.)? Do the staff adhere to the corporate culture?

In doing so, the performance of the company is what allows it to meet the imperatives of competitiveness, sustainability and development.

We seek to:
Increase efficiency without degrading the quality of service. Make better use of existing systems, tools and resources. Have lean, agile and robust structures. Obtain increased availability of management for continuous improvement actions. Empower employees within a collective dynamic. Foster a culture of change and an adaptive and learning organization.

At PBS-Consulting, you will benefit from recognized expertise and tailor-made support. To ensure the success of your project, we rely on our international network of experts.

Intermediation

Thanks to our global network, we offer our services in intermediation as follows:

The function of financial intermediation which consists in putting in contact non-financial agents having a financing capacity called lenders with other non-financial agents having a financing need called borrowers.

We also do real estate intermediation, business, luxury goods, etc.

In case of interest, do not hesitate to contact us.

The International Commercial intermediation contract:
Sale or purchase contract
Distribution agreement
Joint venture contract

The client charges a natural or legal person (intermediary) with the management, advice and negotiation of concrete transactions with a previously determined client.

Once the transaction is concluded, the contract ends.

In this contract, the remuneration of the intermediary is only a commission on the
transaction carried out.

Sale

We support you independently in all phases of a merger and acquisition transaction. This includes business sales, succession planning, mergers, strategic alliances and Joint Ventures, Management Buy-outs (MBOs) and Management Buy-ins (MBI), as well as Leverage Buy-outs.

Sale from small family businesses to larger, international or listed companies.

Succession planning in all sizes and complexities, including Management Buy-outs.

Company assessments, preparation of business plans, development of an effective shareholding strategy or a strategy for mergers and acquisitions as well as assessment of the feasibility and financing of transactions.

Purchase

We support you in the development of acquisition strategies as well as in the identification and evaluation of target companies. If necessary, PBS consulting takes over the overall coordination and execution of the transaction. We represent your interests in the negotiations and organize the financing of your transaction for you.

Advice in the form of a global package or a modular service: from the identification of target companies to the completion of the transaction.

Management Buy-out (MBO) / Management Buy-in (MBI) / Leverage Buy-out (LBO).

Business and project financing

Organization of financing, for companies in a growth phase or in a restructuring situation.

We help you find investors bringing equity capital for Management Buy-outs, expansion or
restructuring financing.

We support you in the acquisition of your real estate objects

Clarify your desires and needs: If you want to buy a house or an apartment, you first need to get as clear as possible about the property you are looking for. Include in your thinking a maximum budget or a price range, the ideal surface, the location, the environment and, of course, the aesthetic and practical aspects.
Once this step is done, it is also necessary to clarify your financing capacity (which is linked to your income & your equity) in order to avoid any dissolution at the end.

Find the real estate object: At PBS-Consulting, you will benefit from recognized expertise and tailor-made support. Thanks to our network of real estate brokers, we are able to find you the object of your dreams without it being on online portals.
You have to be aware that this can sometimes take a little time, or even a long time, but time is money! Therefore, our goal is to save you time and money by finding the object of your dreams in the best conditions.

Support in the financing of your real estate object:
We examine your file and circulate all the important information between you and your future mortgagee. During this time, you don't have to worry about a thing. And that's not all: thanks to the exclusive interest rates of our partners, you save thousands compared to various market rates.

Sale of wine estate

Certain aspects of the sale of a wine property are certainly similar to those of the sale of any economic entity. This is true with regard to the acts and the chronology of the main operations: offers, audits, sales agreements, liability guarantees... However, a wine transaction requires real expertise on the "environment" of the wine business in economic, commercial, technical, legal, fiscal or accounting terms.

Successfully selling or acquiring a wine property requires skills, a multidisciplinary team, and knowledge of the sector. It also requires an appropriate drafting of acts. A wine transaction requires the intervention of experts. The experience of each of these experts and their knowledge of the wine industry are guarantees not only of success but also of security for each of the parties. If one of the experts is not a specialist in this sector of activity, the balance of power between the seller and the buyer will necessarily be unbalanced to the detriment of someone who is not accompanied by a professional in the sector. It is therefore important that each expert can justify his experience in this field.

Experts work in the following areas:
The land audit and property valuation: land valuation making it possible to determine the objective qualities of the property (terroir, plantations, technical installations, etc.), compliance with the rules specific to the target vineyard (AOC, density of plantation, grape varieties, ...).
If the intervention of a land expert is requested by the buyer, he can also ask him for a valuation opinion to validate the sale price
requested by the seller.

It will also be worth making the inventory, tasting and verification of the quality of the wine, the control of the absence of atmospheric pollution in the places of wine storage, the inspection of the buildings, the expertise of the Château,

At PBS-Consulting, you will benefit from recognized expertise and tailor-made support. In order to ensure the success of your project, we rely on our international network of experts in the transmission and sale of wineries, brokers, inspectors, auditors, notaries, wine operators, insurers and specialized law firms.

Acquire a collection of wine

Sooner or later every wine lover begins to lay out a few bottles to age them. After all, there's no better way to mark a special occasion or turn an ordinary occasion into a special one by popping the cork stopper of a high-value bottle you've carefully saved. Wine is a living thing, and proof of this is the way it evolves and matures in the bottle. Where the wine is stored is important and is as important as the wine itself (protect from heat, light and vibrations).

The best part of building a dream cellar is completing it. While the wine auction market is a good place to get ripe, quality wines, you can also get some from good retailers, or plan ahead and buy wines for long-term aging directly from the wine vendors. vineyards

Collecting wine, on the other hand, is a long-term commitment that requires vision and direction. With a collection, you can still buy what you like, but that will depend on your own careful research and choice. Great collectors show talent in choosing great wines: they create a collection that exceeds the amount initially invested.

Unlike paints, which can last for centuries, wine has a life cycle dependent on the volatile nature of alcohol. So learning what makes wine worthy of its age is an important part of a collector's education. You might want to estimate the vital window of the wines you collect so that you can drink, trade, or sell them before they go downhill.

If you intend to collect wine for later resale, it is very important to document the conditions of purchase, delivery and storage of the wine. This helps create a paper trail for the provenance of your bottles and builds the credibility of your collection as a whole. There are many cellar tracking systems available today. If your collection has more than 200 bottles, it is a good idea to track your wines with a system using a barcode reader, so that you can identify and tick off the wines as you consume them.

At PBS-Consulting, you will benefit from recognized expertise and tailor-made support. To ensure the success of your project, we rely on our international network of experts, sommeliers, winegrowers, wine merchants, insurers, auction houses, estates, wine brokers, designers and installers of custom cellars, private collections.

We support you in the acquisition of your jet

Clarify your desires and needs: Companies and individuals wishing to travel by private jet have two alternatives available to them.

The first is renting a plane from an airline broker and the second is purchasing a private jet.

It depends on the type of aircraft you want to buy. It depends on your typical mission profile and your financial situation.

The price of a brand new private jet ranges from 3 million euros to less than 90 million euros. In addition, the purchase of a private plane is only the first step, the costs related to the maintenance of the plane, the crew, the fuel oil, the maintenance, the taxes of landing / of take-off, parking are added to the purchase price as well as the annual depreciation. Maintenance and repair costs depend on the size of the aircraft but typically range from around 700,000 to 4 million euros per year. However, unless you spend more than 150 hours a year flying, renting is probably a better option than buying. This way you will avoid many annual maintenance costs.

However, there are three reasons why purchasing a private jet is the best option for some people or companies:
First, privacy and confidentiality. Owning your own aircraft offers a higher level of privacy and confidentiality than chartering or co-ownership.

Second, security. Safety in terms of allergies or a completely clean environment such as Covid-19. Knowing that only you and your guests have touched it. You don't have to worry about the people before you. In addition, you can have the aircraft maintained to your standards.

Third, personalization. This is perhaps the most compelling reason to buy a private jet. You can configure the device as you want.

Most private jet buyers bought used planes. Used aircraft have a lower initial cost, but will likely incur higher maintenance costs. The new planes have all the latest technology and comfort.

Find your jet: Thanks to our international network, PBS-Consulting is able to find you the object of your dreams without it being on online portals. You have to be aware that this can sometimes take a little time, or even a long time, but time is money! Therefore, our goal is to save you time and money by finding the object of your dreams in the best conditions.

Support in the financing of your jet: You will benefit from recognized expertise and tailor-made support. To ensure the success of your project, we rely on our international network of manufacturers, operators, managers, insurers, brokers and law firms specializing in aviation. We examine your file and circulate all important information between you and the various recognized financial institutions. During this time, you don't have to worry about a thing thanks to our various tailor-made financing solutions.

We support you in the acquisition of your yacht

Clarify your desires and needs: Your moments of relaxation are special moments that you like to spend with family or friends. Do you dream of an exclusive setting combining privacy, comfort and the possibility of traveling without constraints? You are considering or already owning a yacht.
Cash purchase? Classic credit? Rental with option to purchase (LOA)? PBS Consulting explains the options available to you, the choice is yours!

We support you at every stage of your project by offering you a tailor-made service for your project, whether it is a Sailing Yacht or a Motor Yacht under construction, new or second-hand. By your side, we meet your needs and offer you personalized solutions.
In order to guarantee the success of your project, we work in close collaboration with the best specialists in the sector. They are thus surrounded by specialized lawyers, maritime experts, brokers, yacht managers, project managers, naval architects, designers and renowned insurers.

Luxury car acquisition

You don't sell or buy a Ferrari F12 or an Aston Martin Vanquish like you would sell or buy a Peugeot 208, that's a fact. Above all, the sale of used luxury vehicles requires a very good address book. And even more in the world of oldtimers!

How to invest in a vintage car?
Lovers of beautiful rims and shiny bodywork see old cars and vintage vehicles as gems to be preserved. But if more and more individuals are eyeing the classic car market, it is because investing in a vintage car has significant advantages and potential for added value!

How to find the rare pearl?
Investing in a vintage car in 2021 will require knowledge of the market, of the auction system, but also of the value criteria of automobiles. Indeed, contrary to popular belief, the main criterion for a vehicle's value is not its age and age, but its rarity. The rarer a model, the more its value will increase: investors therefore favor vehicles with the fewest copies produced.

Then the condition of the vehicle also influences the price of the good: a collector's car in poor condition or too used will have a lower rating than the same model with low mileage, for example. Finally, if you manage to find a classic car equipped with all of its original parts, jackpot!

It is estimated that the classic car market has grown by 362% in ten years. And yet the scarcity effect is being undermined by the ever-increasing production of prestigious cars around the world.

As we have seen previously, the International Federation of Vintage Vehicles (FIVA) considers an automobile as a collector's car when it blows out its thirtieth candle. It will also have to stop production, but there is no deadline on this subject.

In reality, the purchase of the car itself may not be your main expense: in order to ensure excellent added value in the years to come, it will be essential to maintain it. Thus, investing in a vintage car also brings its share of additional costs:
Vehicle maintenance costs, Vehicle maintenance costs, Obligation to take out insurance even when the vehicle is not used, Garage or covered storage space...

At PBS-Consulting, you will benefit from recognized expertise and tailor-made support. To ensure the success of your project, we rely on our international network of manufacturers, garages, restorers, insurers, auction houses and law firms specializing in vintage cars.

Investing in art: solutions, procedures, returns and taxation

Decorrelated from fluctuations in the stock and real estate markets, works of art are considered by many to be a safe haven, like gold or stone. The art market is supported by the emergence of what experts refer to as the museum economy.
Art is a rich and very diverse investment. In addition to paintings, there are a multitude of ways to invest in art, even on a small budget: old books, photos, prints, coins, period clothing, vintage cars, etc.

Because, let us remember, art is, like wine, above all a pleasure investment, the objective of which is not turned towards absolute profitability or speculation but the diversification of heritage.

Several questions arise before investing in art:
How much seed capital do you need to bring in to get a good return? What return can be expected and at what term? What type of work should be preferred? Who should you turn to to invest? Finally, what is the taxation of this type of investment?

The prices of the art market have behaved better than the stock market index for sixteen years, despite a fall during the 2008 crisis and another of 10% observed in 2015. The performances are however unequivocal: + 91 % since 2000 against -22% for the CAC 40 over the same period (soure: Artprice). Many works have a price lower than € 20,000; as these are often young artists, your return on investment is very uncertain.
Indeed, unless you have between one and ten million euros, ancient or modern works are less and less interesting for the average investor. This is why we must examine the artist's ratings, their evolution over the past few years, the number of works sold in a year, the selling price of their works and the turnover thus generated. Contemporary art is on the rise at the moment, like photography and drawings, which are the only works to have seen their prices remain stable despite the crisis. Not everything is to be taken in this market, as everywhere there is good and bad. However, there is one thing to be aware of: although the price of contemporary works of art generally increases, the high returns associated with the purchase of works like these are subject to fading effects.

In short, investing in art requires above all a taste for the thing, a very good search for information and a fairly substantial capital because the return is very uncertain on this type of investment. However, this remains a good way to diversify your long-term investments, without forgetting to anticipate its exit because this investment is not the most liquid.

At PBS-Consulting, you will benefit from recognized expertise and tailor-made support. To ensure the success of your project, we rely on our international network of gallery owners, restaurateurs, warehouses (free ports), carriers, insurers, auction houses and specialized law firms. in art.

Acquisition of jewelry

When it comes to building a jewelry collection, you don't have to take it too lightly. Jewels can be kept for a lifetime and each piece has a story. They remind us of important moments in our life and tell the story of our life. In the investment world, antique jewelry occupies a special place: you can wear it and enjoy it on a daily basis, without fear that it will be devalued. From a heritage perspective, however, one should not confuse old jewelry with second-hand jewelry. “Antique jewelry covers a wide period from the Middle Ages - there is also a 'market' for antique jewelry - to the 1960s. They are generally rare or unique pieces, created or inspired by artists. The latter therefore do not benefit from the scarcity effect. In this universe, the choice is vast. Today it is the Art Deco and Art Nouveau periods that are the most sought after, and their prices keep rising and sometimes reach new heights, amateurs can still find affordable pieces by looking at older periods, in particular the 19th century.

Art Deco jewelry signed Cartier, Van Cleef, Boucheron or Mellerio will always be more valuable than others without a signature.

Invest in watches: In the 1980s, the Rolex Daytona watch was worth around 10,000 francs, or just over € 1,500. Right now, this watch can sell for around € 150,000. Overall, we observe that the price of watches has increased, which allows us to consider an interesting capital gain when investing in collector's watches. Thus, investing in watches has become quite a fashionable investment, which further encourages higher prices. Finally, we note that the watchmaking price is quite interesting: it has not stopped rising in 150 years To be attractive on the market, a watch must have several assets: technical prowess, beauty, rarity, prestige of the brand, but also a good state of conservation, proof of authenticity and possibly a somewhat special history. The fact that a watch is rare is one of the criteria that increases its value the most, allowing you to generate an interesting added value. This is why watches that are no longer produced are often the best deals. Scarcity inevitably drives prices up. For example, Patek Philippe, one of the most prestigious watch companies, is said to have made only one million watches since its creation in 1839. As a result, its prices are very high. By comparison, Rolex produces 800,000 to 1 million per year.

Otherwise, gold and exceptional diamonds will always be a safe bet as a diversification asset.

At PBS-Consulting, you will benefit from recognized expertise and tailor-made support. To ensure the success of your project, we rely on our international network of experts.

Build your heritage

There is a very diverse range of products, as well as solutions.
This is why it is important to take the time to choose the right one according to all your criteria such as time, risk, volatility, currencies, markets, political situations, central bank policy…
This is why the right interlocutor will make all the difference.

Manage the taxation of your assets

It is an essential subject, because too often forgotten by many people. Knowing the increasing tax pressure in many countries, it is essential to find the best solution that will suit your needs today, but also tomorrow.

Do you know what you will do tomorrow? I am sure!

Do you know what you will be doing in ten years? I’m less sure!

Together we will study all the solutions adapted to your personal needs today and in the future…

Prepare for your retirement

Even if you have worked your entire life and paid contributions, you can expect to have about a third less income in retirement. At the latest at age 50, you should take stock of your situation. Fill in the gaps well in advance and you’ll be guaranteed regular extra income.

This is why we collaborate with the best providers in order to offer you the best solution to your personal situation, because as my grandmother said, we all wear shoes, but they are not all made to my feet.

And if I have to walk with poorly fitting shoes, I won’t go very far…

Contact us, we will be happy to help you.

Pass on your heritage

If you want to help your loved ones or pass on your assets, it is necessary to do it correctly knowing the fiscal and legal repercussions which have continued to increase for decades, which is why we collaborate with the greatest specialists in the whole world.

Do you wish to transmit your company?

Preparing for the transition early enough is the succession guarantee that your business will continue to operate smoothly and successfully.

Will my life’s work be continued in a lasting way?
What are the tax impacts?

This is why it is essential to understand the activity of this one, the people around it, because the sentimental side is too often underestimated.

Its intrinsic value should be established in a neutral way so that there is no loser at the end of the chain.

We will be happy to assist you throughout the process.

Enhance your heritage

Your assets will consist of all the assets you own, namely:

Your tangible assets: real estate, etc.
Your intangible assets: goodwill, etc.
And, of course, your financial assets: investments in stocks, bonds, cash, etc.

To build up a wealth, improve it and then develop it, you must avoid any haste and proceed step by step in order to make relevant choices.

What are your financial goals?
What are your actual needs ?
What are your future plans?
What is your tax and personal regime?
How long do you want to save or invest?

These are all questions you will need to ask yourself to prioritize your priorities, needs and goals from the short to long term.

How to carry out a heritage assessment?

Each asset situation is unique! To enable you to make the right choices, it is important to make a global diagnosis of your own family, financial, tax situation….

What is your investor profile?

You will have to determine not only the part of the financial risk that you are ready to take, this will depend in particular on your knowledge of the financial markets, but also define the duration of investment that you will be able to support without putting yourself in difficulty.

We will help you put in place the most suitable wealth management strategy to enhance your wealth in an advantageous tax framework, while supporting you in achieving your goal.

Diversify your heritage

It is essential to diversify your wealth to be less dependent on the market and its variations, and to benefit from an appreciation of your capital at all times, as in the medium to long term.
It’s the key to success!
We’re here to help you achieve it.