Estate planning and pension planning

Estate planning starts with a detailed wealth inventory. You then use suitable techniques to protect and expand your assets. Finally, carefully thought-out inheritance planning ensures a smooth transfer. Throughout this process, our advisers provide tailor-made guidance.

Estate planning

Drawing up a wealth inventory

A wealth inventory is a list of all your real estate and movable property. Our advisers help you to compile this list accurately, 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
  • any debts

The gift inventory is also part of your wealth inventory. It gives you an overview of the lifetime gifts you have already made, so that you can see how the balance stands between your heirs at any time.

Pension planning

Expand and protect your assets

Based on your inventory, our advisers look for the best techniques to expand and protect your assets. These techniques include:


Cash flow planning

With a thorough cash flow analysis, we give you a clear picture of your personal liquid assets.  This also enables us to calculate the impact on your standard of living if you want to take early retirement or make a gift.

Pension advice

If you are self-employed, the statutory pension is rarely enough to maintain your standard of living. Get in touch with our specialists for:

  • the preparation of a retirement plan
  • advice and assistance regarding statutory and supplementary pensions (PSPSE, IPC, pension savings, long-term savings, etc.)
  • end-of-career simulations
  • real estate financing through supplementary pension accrual

Property planning

Investing in property is a common technique for expanding your assets. We can advise you on this from a financial, legal and tax angle.

Reduced gift or inheritance tax

By structuring your family or non-family business in the right way – from both a tax and legal viewpoint – you can transfer it with reduced gift or inheritance tax. Your personal adviser will look with you at whether your business is eligible or not.

We perform regular financial projections for you with our tool VGD Pax Familia, so that we can adjust your planning whenever necessary.

the new inheritance law

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 it is now also possible to conclude general and occasional inheritance agreements.

inheritance planning

Advice on inheritance planning

When you retire, it’s time to enjoy what you have built up during your career. But what about the future of your family business and your other assets? How do you ensure your family’s peace of mind?

You can contact our specialists if you have questions or would like advice on:

  • cohabitation and marriage contracts
  • wills
  • life insurance
  • gifts
  • gift tax
  • inheritance tax
  • making a phased transfer in a family business

Do you have any further questions regarding the planning of your estate or pension? You can always contact our estate planners!

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