Renée Costes is the French leader in real-estate Viager and Nue-Propriété transactions and investments.Viager/ Nue-propriété is a win-win real-estate transaction enabling Seniors (sellers, generally 70 years old + property owners) to release equity from their homes to finance their needs, and Investors (buyers) to make a secured and profitable investment.When selling their property in Viager/Nue-Propriété, Seniors receive from the buyer an upfront lump sum ("bouquet") plus a monthly payment ("rente") for life while continuing to live in their home. This is a well-established solution, highly secured for both parties and used for more than 2 centuries in France.For Seniors, Viager enables them to stay at home whilst they receive a capital and extra revenues on top of their pension to finance leisure activities, health expenses or help their children.For Investors, Viager is an ethical attractive long-term investment returning on average an IRR of 8% annually. This is a flexible, interest-free, tax-free, and low-risk investment solution. Renée Costes range of services includes:- Viager/Nue-propriété transaction services: serving both sellers and buyers with the highest professional, ethical and efficiency standards (400M€ of property value traded annually)- Investment solutions: portfolio/fund structuring and management for private investors, family office and institutional investors (500M€ under management)- Services: mainly post acquisition services including insurances and property managementRenée Costes has 160 highly-skilled and specialized employees covering all French regions and serving local seller and buyer clients as well as international private and institutional investors. It is a double-digit growing company holding a market share of 40% in France.

Director with Booz & Company (previously Booz Allen Hamilton) focusing on 3 functional areas: - M&A, Private Equity due diligences, LBOs- Strategy - Performance improvement / Restructuring2009-2013: Director, Member of France Executive Committee, Head of Energy Chemical & Utilities practice in France2006-2008: Project Manager2004-2005: Associate (London)2002-2003: Senior Consultant2000-2001: Consultant