Plan for a carefree tomorrow
Estate Planning begins with a detailed estate inventory. Afterwards, you protect and expand your estate with the right techniques. After all, a well thought-out inheritance planning guarantees a seamless transfer. Throughout this entire process, our advisors offer you a tailor-made guidance.
DRAWING UP AN ESTATE INVENTORY
An estate inventory is a list of all your real estate and movable property. Our advisors will help you draw it up correctly, looking at your:
- real estate (e.g. houses and land)
- business (e.g. shares in your family company, or a sole proprietorship)
- bank accounts
- pension provisions
- investment portfolios
- art or other collections
- possible debts
The gift inventory is also part of your estate inventory. It gives you an overview of all gifts you have already made during your lifetime, so that you can always consult the balance between your heirs.
VGD PAX FAMILIA: YOUR ENTIRE ESTATE IN ONE TOOL
Almost your entire estate planning process is recorded in documents. Think of marriage contracts, wills, gift documents… With our digital platform VGD Pax Familia, we keep all those important documents for you in a 'digital' vault.
This is only accessible to you and your personal advisor, but you can also grant access to others - such as your partner, children or grandchildren.
Expand and protect your assets
Cash flow planning
With a thorough cash flow analysis we give you a clear picture of your personal liquid assets.
With this, we also calculate the impact on your standard of living if you want to retire early or make a gift.
As a self-employed person, the statutory pension is rarely sufficient to maintain your standard of living.You can consult our specialists for:
- drawing up a pension plan
- advice and assistance in statutory and supplementary pensions (VSPSS, IPC, pension savings, long-term savings, etc.)
- end of career simulations
- real estate financing through supplementary pension accrual
Investing in property is a common technique for expanding your capital.
We can advise you on this from a financial, legal and tax angle.
Reduced gift or inheritance tax
By structuring your (family) business in the right way - from both a tax and legal viewpoint -
you can transfer them with a reduced gift or inheritance tax.
Your personal advisor will review with you whether your company is eligible or not.
The new inheritance law since 2018
On 1 September 2018, Belgian inheritance law and inheritance tax underwent significant changes. Inheritance tax rates and matrimonial property law were modified, and since then global and punctual succession agreements can also be concluded in Belgium.
INHERITANCE PLANNING ADVICE
When you retire, it is time to enjoy what you have established during your career. But what about the future of your family business and your other properties? How do you guarantee family peace of mind?
You can consult our specialists for questions or advice on:
- cohabitation and marriage contracts
- life insurance
- gift tax
- inheritance tax
- making a phased transfer in a family business