Estate & financial planning

The term ‘estate planning’ refers to the transfer of capital to the next generation. Naturally, you will want to keep as much of your capital as possible here. We can guide you through the thicket of laws and regulations that apply in this respect.

Estate planning involves many different professional fields, because the transfer of capital can take place in different ways. You can marry with or without a prenuptial agreement, donate gifts to your children or record your wishes in a will. Estate planning therefore takes time and good preparation. We will notify you in good time of action that you need to take and the time required for this.

Needless to say, estate planning must dovetail seamlessly with financial planning. Transferring assets ‘on the cheap’ cannot be an aim in itself. You have to be able to carry on living and not run into difficulties later on due to financial constraints. A financial plan illustrates changes in assets over a specific period. Based on this, we discuss the options and courses of action with you.

Ad de Brabander

Ad de Brabander

Adviseur
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Below services are related to Estate & financial planning

Estate planning covers many different issues and above all, is personal. If everything is arranged properly, you know where you stand. That gives peace of mind. We can assist you in combining a prenuptial agreement, your will and a gift plan.

This also raises many questions: should every child receive the same inheritance or not? Will your partner remain living in your house when you die? When should the house be transferred, and to whom? We can help with different solutions for these questions.

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Do you want to know what state your finances are in, or how stopping work earlier will affect your financial situation? If you or your partner die, will that present a risk? Can the surviving person continue to enjoy the same standard of living? Does occupational disability have major financial implications? We discuss these scenarios with you and document them in a financial plan, enabling you to take timely action if necessary.

 

Our pension advisers can help you with all your questions on your provision for old age. What will your financial picture be in the future, and is this in line with your wishes and goals? We can make that transparent for you, as well as give advice on life insurance. This could involve annuity policies, annuity accounts at banks, life insurance and capital insurance. We can give guidance on the different policies and on contracting and transferring bank savings.

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What is your company worth? An important question when you want to transfer a company within the family, not only for your own future plans, but also to gain a view of any possibilities for a gift. And what is the situation if you have several children and not all of them will continue the business? We can give you the answers.

Think about the transfer of your capital to the next generation in good time, for that can save you tax. For example, exemptions may apply, or lower tax rates for interim gifts, or taxation of your children may be lower because they often have lower assets than you. We can share ideas with you on the possibilities that suit your requirements.

‘The staff at Ruitenburg know how to deal with work in progress or calculated losses. That’s great.’

Jan Haring, Aannemingsbedrijf Verboon Maasland

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