Estate Sainte-Marie-la-Mer

Succession: Anticipate and Protect Your Estate with Dauthuille Conseil Patrimoine à Sainte-Marie-la-Mer

Succession is an essential stage in the transfer of wealth. Failure to plan ahead can result in high tax costs, family disputes and inefficient asset management. At Dauthuille Conseil Patrimoine, an expert in wealth management at Sainte-Marie-la-Mer, we can help you organise your succession, optimise inheritance tax and ensure that your assets are distributed smoothly.

Why plan ahead for your succession?

Many people put off thinking about their succession, thinking that it doesn't concern them immediately. However, planning ahead allows you to :

• Reduce inheritance tax through appropriate tax strategies
• Protect your spouse and heirs, particularly in blended families
• Avoid family disputes by organising a clear and fair distribution of assets
• Preserve your assets by optimising the transfer according to your situation and objectives.

Our role at Dauthuille Conseil Patrimoine is to guide you through this process to ensure that your assets are managed efficiently and in line with your needs.

The different options for passing on your estate

1. Gifts: a powerful way of reducing inheritance tax

A gift is an excellent way of anticipating the transfer of your estate while benefiting from tax advantages. There are various forms of gift:

Gifts of full ownership

This is a way of permanently transferring an asset to an heir, who becomes the full owner immediately.

Gift with usufruct reserve

This allows you to pass on an asset while retaining the right to use it or the income it generates until your death.

Shared donatio

This option guarantees an early and equitable distribution between heirs, reducing the risk of future disputes.

At Dauthuille Conseil Patrimoine, we analyse your situation and objectives to recommend the most advantageous strategy.

2. The will: an essential document for organising your estate

A well-drafted will allows you to :

• Precisely designate the beneficiaries of your assets
• Protect a relative who is not a legal heir
• Avoid disputes thanks to a clear distribution of your assets

The different types of will

• Holograph will: handwritten, it must meet certain conditions to be valid.
• Authentic will: drawn up with a notary, it offers optimum legal security.
• The sealed will: handed to the notary in a sealed envelope, it guarantees the confidentiality of your wishes.

Our experts will work with you to draw up your will, in collaboration with a notary, to ensure that your choices are legally and tax compliant.

3. Life insurance: an essential tool for optimising inheritance planning

Life insurance is a popular way of organising an advantageous inheritance. It allows :

• It can be transferred outside the estate, thereby reducing the tax impact.
• Lower taxation, with an allowance of €152,500 per beneficiary.
• Free choice of beneficiaries, whether heirs or not

How do you choose the right life insurance policy?

• Select the investment vehicles best suited to your objectives (euro funds, unit-linked, etc.).
• Optimise beneficiary clauses to avoid costly mistakes.
• Adapt your policy to your age and financial situation.

Our advisers at Dauthuille Conseil Patrimoine can help you structure your life insurance policy to make it an effective tool for passing on your wealth.

Mistakes to avoid when planning a succession

An ill-prepared succession can have serious consequences. Common mistakes include

1. Failing to plan early enough

Without proper planning, certain tax optimisation solutions are no longer possible.

2. Underestimating the tax impact

Inheritance tax can be very high if no strategy is put in place.

3. Ignoring the legal aspects

A badly drafted will or the absence of clear instructions can lead to disputes.

4. Neglecting to protect loved ones

Certain family situations, such as blended families, require special attention to ensure a fair and harmonious inheritance.

At Dauthuille Conseil Patrimoine, we can help you avoid these pitfalls and organise your succession in the best possible conditions.

Why call on Dauthuille Conseil Patrimoine for your estate ?

When you call on Dauthuille Conseil Patrimoine, you benefit from wealth management expertise tailored to your situation. Our approach is based on :

• A personalised analysis of your estate and family situation.
• Tax optimisation to reduce inheritance tax.
• Tailor-made support, in liaison with notaries and tax specialists.
• A strategy tailored to your objectives and those of your heirs

Anticipating your succession is an essential step in preserving your assets and securing the future of your loved ones

Make an appointment today with Dauthuille Conseil Patrimoine at Sainte-Marie-la-Mer and secure the transfer of your estate.