0101
AnalysisThe work itself
Audits, resets and a plan you can run, for individuals. Confidential pilots for employers and their teams.
- Individuals
- Employers
AvailableSee the offers
ANC.h.o.R · Our team · Est. April 2026
0101
Analysis
Your numbers read properly, for individuals and employee programmes.
Available0202
Method
The same five-lens method for every engagement.
Available0303
Tools
A private client space and dashboard, built in-house.
AvailableStop the leaks.Direct the flow.
Private Wallet Optimization. We read your real numbers, find where your money leaks, and rebuild how it moves, for you or your employees. No financial products, no commissions: one published price.
Confidential by designNo products · No commissionsIn French or EnglishBuilt in France
§01 · How it works
Three disciplines.
One system.
Analysis, method and tools, all built in-house by Anchor Group. Nothing outsourced, nothing resold.
0202
MethodFive lenses
Position, friction, optimisation, projection, architecture. Every finding is explained; you keep every decision.
- Education
- Analysis
AvailableRead the method
0303
ToolsThe client space
A private space to share statements, read your dashboard and follow your plan. Never a bank connection.
- Client portal
- Dashboard
AvailableClient portal
§02 · Method
Five lenses.
One process.
The same sequence runs for every engagement, from a single person to a full company programme.
L-01 · POSITION
Position
Understand the starting point: income, costs, debt, reserves and goals.
OutputA dashboard of balances, monthly income and outgoings.
L-02 · FRICTION
Friction
Find what gets in the way: contracts, fees and recurring spending.
OutputRecurring-cost opportunities ranked by monthly impact.
L-03 · OPTIMISATION
Optimisation
Choose useful actions and compare trade-offs. You keep the decision.
OutputA prioritised action plan, without product sales.
L-04 · PROJECTION
Projection
Test the months ahead with explicit, visible assumptions.
OutputCurrent and adjusted trajectories, marked as hypothetical.
L-05 · ARCHITECTURE
Architecture
Build a structure you keep using after the engagement ends.
OutputA payday allocation: fixed costs, buffer, goals, spending.
§03 · Employers
Deploy Anchor
across your teams.
A contained pilot first. Private support for every participant, an aggregated readout for you.
PROTOCOL · CONFIDENTIALITY BARRIERFR-01
ParticipantsIndividual finances, reviewed privately
BarrierEmployerAggregated programme signals only
FINANCIAL RESILIENCE PILOTB2B
Private support.
Nothing sold to your people.
Each participant gets a confidential review of their own finances and practical next steps. You get participation and outcome signals at programme level.
- Price
- From €3,900 for 20 participantsAbout €195 per participant · no VAT to add
- Participants
- 20 to 200, larger on request
- Duration
- 4 to 10 weeks
- Participant gets
- A private review, a personal dashboard and a prioritised plan
- Employer gets
- Aggregated participation and outcome signalsNever individual balances, debts or transactions
§04 · Context
Why it matters,
and who pays.
Two published studies on money worries at work, and one fact about how we are paid.
FR · 202501
18%
of French private-sector employees report financial difficulty
Up 9 points since 2020. Malakoff Humanis / Harris Interactive, Baromètre Fragilités 2025. Source
UK · 202602
32%
say money worries affected their ability to do their job
Surveyed UK employees, previous 12 months. CIPD Good Work Index 2026. Source
ANC.h.o.R03
€0
in commissions, on anything, ever
We sell no financial products and take no commissions. Our only income is the published price, paid by the client.
Paid by you100%
By product providers0%
External survey findings are self-reported; they are not Anchor resultsResearch and how we measure
§05 · Individuals
Six engagements.
One standard.
Start with a focused question or hand us the whole system. Every engagement runs on the same method.
ENTRY
Wallet Score Free
Two minutes. No bank connection. Your score out of 100.
€0Instant resultStartIND-05
Private Wallet Optimization Best value
Comprehensive support for your whole financial organisation.
€690One-timeViewPrices in EUR · No VAT charged: French micro-enterprise exemption (art. 293 B CGI)Compare all six
In scope · New to France?
The French money system,
explained in English.
Sessions and written reports in English or French. We explain how these French basics work and how they fit your own numbers. That is education and analysis, not investment advice: we never tell you which product to buy.
Livret A and LDDS
France’s regulated savings accounts: a rate set by the state, interest free of income tax and social charges, instant access, and deposit ceilings (€22,950 for the Livret A, €12,000 for the LDDS). We explain where they fit in an emergency fund.
PEA
The French wrapper for holding shares: open to French tax residents, capped at €150,000 of deposits, with lighter tax after five years. We explain how it works and where it could sit in your structure; we do not pick funds or shares.
Payslip and tax
Gross, net, net before and after tax; tax withheld at source and the default (non-personalised) rate applied until the tax office has your first return; the timing of the annual return each spring.
Mutuelle
Top-up health cover on top of the state Assurance Maladie. Private-sector employers must offer a group mutuelle and pay at least half of it. We help you read what you pay for and spot overlaps.
Out of scope Choosing funds, shares, insurance or loans; filing your tax return for you; cross-border tax questions (for example a UK ISA or pension). When a question needs a registered adviser or a tax professional, we say so.
§06 · Why Anchor
Independent by design.
Built as a group.
Three departments, one method and nothing to sell you. Here is what that means for you, plainly.
W-0101
One named lead
Every engagement has one named lead from our Optimisation department, from the first call to the final report. No call centre, no hand-off.
W-0202
Nothing to sell you
Many “free” financial reviews, at a bank or an adviser, are funded by commissions on the products recommended afterwards. Here you pay a published price, and that is all.
W-0303
Pilot programme 2026
Anchor Group is rolling out its employer pilot programme through 2026. Every published result comes with its dates, participant numbers and method.
§07 · Protocol
Operating
principles.
P-01
Confidential by design
No banking logins or passwords, ever. Employers see aggregated insight, never individual finances.
P-02
Independent
Client-funded. No financial-product sales and no commissions.
P-03
Defined scope
Education and analysis of budgeting, cash flow and financial organisation. Not investment advice: we never tell you which product to buy.
P-04
Human-led
Every engagement is led by a named analyst and reviewed by our Optimisation department. No automated verdicts. Meet the team.
§08 · Questions
Before
we begin.
Q-01What will I receive?
A personal audit includes a tailored dashboard and a prioritised action plan. You’ll find the scope of each service on the individual support page.
Q-02Will my financial information stay private?
Yes. Anchor never asks for banking logins or passwords. In an employee programme, your employer receives aggregated insight, never your balances or individual financial information. Read our privacy policy.
Q-03Is Anchor independent?
Yes. The work is client-funded, with no financial-product sales or commissions. It covers budgeting, cash flow and financial organisation, without investment advice.
Q-04Who will I actually work with?
With a named lead from our Optimisation department, who runs your engagement from start to finish and answers your emails directly, in French or English. Behind them, our Data and Development departments build the benchmarks and the tools you use. Our team.
Q-05Is Anchor a regulated financial adviser?
No. Anchor is not registered as a financial investment adviser (CIF) with ORIAS. That is why the work stays within education and analysis: we explain how things work and organise your budget and cash flow, but we do not recommend, sell or arrange financial products, insurance or credit. When a question needs a registered adviser, we tell you.
Q-06How do I start?
Choose a service to see what’s included and the price, then book online. For your team, let’s discuss a programme. You can read the terms before payment.
Build your
structure.
Start with the free Wallet Score, book an engagement, or bring Anchor to your company.