Hello, I'm Thomas Mercier
After 12 years in the banking and private wealth management sector, I founded Smart Wealth Blog with a simple mission: to make financial education accessible, honest and actionable for 25–45 year-olds.
Too often, the financial advice available online is either too generic or clearly driven by commercial interests (commissions on recommended products). Here, I am committed to full transparency: no product is recommended in exchange for payment.
My Background
I started my career at a major French banking group where I managed private client portfolios with assets between €500,000 and €5 million. This experience gave me a deep understanding of the real mechanics of wealth taxation, financial markets and real estate.
In 2019, I took the leap to independence by setting up my CGPI practice. Since then, I have helped hundreds of individuals build and optimise their wealth. In 2024, I launched this blog to share that expertise on a wider scale.
What I Cover on This Blog
Passive and active investment strategies, portfolio analysis.
Buy-to-let investment, mortgages, taxation of rental income.
Legal tax optimisation, PER, life insurance, donations.
Tax filing, investment strategies, risk analysis.
My Editorial Promise
- Full independence: no commission on any cited product
- Regular updates: every article is reviewed when legislation changes
- Cited sources: Bofip, AMF, INSEE, official reports
- Transparency: risks and limitations are always mentioned
- Clarity: plain explanations, no unnecessary jargon
The content published on Smart Wealth Blog is provided for informational purposes only. It does not constitute personalised investment advice. For any significant financial decision, consult a qualified professional (CGPI, private banker, notary).