Need to be aware when setting its assignment plan

At 47 Rue de Faubourg-Saint-Honoré, with two steps of the Elysee Palace, the window of the Office of Patrice Dordet plunge on a garden. "In the background, you see the former residence of baron Edmond," said the Director of the company Financière Edmond de Rothschild's private customer. The address, the historical framework, the quality of the neighbourhood: all these details have no price. They allow to install any empathy. And need in these labour relations where the most intimate elements of the lives of customers can be of considerable importance. Therefore, the formal aspects should not be overlooked. However, it is difficult to very long delay to consider the merits of the cases.

However, regardless of the diversity of the latter, they are asking the same questions. Director in charge of heritage company financial engineering, Philippe Bruneau in lists five. Whenever it encounters a client, and asks ritually. "If it has an answer for each of them, says, his concerns are behind him. So a good decision can possibly solve three problems at once. "Conversely, a wrong choice will produce negative impacts in cascade.

The first question relates to the tax: future transferor has it well anticipated that he will be fulfilling a cheque amounting to 27 of the amount of the assignment

The preventive solution through a prior donation to the assignment. "But attention, underline Patrice Dordet and Philippe Bruneau, it must take place early enough so that the two operations are not related." It would not be, then, that the child who has benefited from the donation advises to false bond to the purchaser!

In any case, this is an example of a Council which fixes three problems a coup: the gift sponge indeed value, reduces future Lai and rule much of the problem of the transmission of heritage to children.

The second great issue on the upcoming EWB: that was planned to pay

Third, consider the perception of future income. The goal being to win the most possible while paying less tax. An already difficult to solve equation! But the context of low rate rendered still more difficult for many years. Because this is not the time to go on the bonds, or real estate, price levels are probably not far from their peaks. Should be a large book to actions. But a paradox of entrepreneurs, once they have passed the torch, is no longer want to take risks. While they have ceased to do so during their active lives!

"Anyway, prevents Patrice Dordet, they will have to accept a certain level of risk, which can be set with them by investing in shares investments." When heritage Cap between 1 and 2 million euros, il normal is that the stone is takes an important place. But beyond that, the share of financial investments must climb power. In addition to the investment shares, there can be solutions such as the "private equity", alternative investments, structured products. "At the same time, should be a maximum of envelopes little or no tax, such as life insurance, the PEA...

Fourth caution: the surviving spouse will be well protected The answer will probably involve change her matrimonial regime. Because generally a contractor active lives in separation of property regime. It is to isolate the assets of his wife of his possible bad business to him. After the transmission, it is instead time to repatriate resources under one roof. This sometimes means a change of regime in favour of the universal community generally.

Finally, fifth query and not necessarily the least: that will pass to the children

All these sites that open foreshadow an incalculable number of approaches and procedures. Need to be aware when setting its assignment plan. So, for example, the services of the civil status of a town hall can be saturated and at the time did not respond in time to requests for amendment of the marriage contract. "For all these reasons, it is recommended to take six to twelve months in advance," advise in a same voice Philippe Bruneau and Patrice Dordet.