Estate Planning
Planning the transfer of assets to the next generation. Protecting your life's work.
Schedule Free ConsultationWho is it for?
- 1Family business owners
- 2People with real estate assets
- 3Entrepreneurs planning business transfer
- 4Parents wanting to secure children's future
You've built assets all your life – business, real estate, savings. How do you ensure they safely reach the next generation? Estate planning is about transferring your life's work in a way that minimizes taxes and family conflicts. I use insurance and financial tools to protect what you've built.
What It
Includes?
Life Policies as Succession Tool
Policy benefit goes to beneficiaries without probate, quickly and inheritance tax-free.
Family Business Protection
Insurance structures protecting the business from problems in case of owner's death.
Heir Buyout Fund
Policy providing funds for paying legitime or buying out shares from heirs not running the business.
Entrepreneur Retirement Planning
Building retirement capital independent of the company's fate.
Frequently Asked
Questions
Life insurance benefit: 1) goes directly to beneficiaries (no probate), 2) is paid quickly (usually 30 days), 3) doesn't enter the estate (can't be taken for legitime), 4) is inheritance tax-free.
Key elements include: 1) life policy with business or continuing heirs as beneficiaries, 2) partner agreements regulating share buyouts, 3) business will, 4) successor preparation. I help build a comprehensive plan.
Consultation with me is free. Costs depend on structure: life policy (premium depends on age and sum), possible legal advice (inheritance, company). Usually the investment pays back many times in tax savings and conflict avoidance.
Yes, beneficiaries can be changed at any time by written statement to the company. This gives flexibility – e.g., in case of family situation changes. Important: regularly update beneficiaries so the policy fulfills its purpose.
The earlier, the better. Insurance premiums are lower at younger ages, and succession plan requires time to prepare successors and optimize structure. Ideally – start planning when the business is stable and you have clarity about the future.
Interested?
Let's Talk.
Schedule a free consultation. I will analyze your situation and propose the best solution from over 30 companies.
Other Services
Life Insurance
Financial protection for you and your family. Term, whole life, investment-linked, and group policies.
Private Pensions
IKE, IKZE and other retirement products. Plan your future independently with tax benefits.
Health Insurance
Medical packages and critical illness insurance. Fast access to specialists and treatment.