At Govers, we pay attention to all your family issues, both personal and business. From issues of wealth transfer to the next generation to cohabitation, marriage, and divorce. Key components in this are estate planning and structuring. For example, estate planning, financial planning and the structuring of real estate or other investments privately or through your private limited company.
Estate planning
In estate planning, we translate your personal goals and wishes into tax and legal frameworks for cohabitation contracts, prenuptial agreements, (life) wills or family statutes. With clear agreements about your wishes and the distribution of your income and assets, you will limit ambiguities in the future.
Of course, we also pay attention to the tax consequences of cohabitation, marriage, and divorce. Think, for example, of the complex owner-occupied home arrangement. In addition, by recording your wishes in your (life) wills, you ensure that your personal and business wishes are respected. Even if you are (temporarily) no longer able to make your own decisions.
Asset transfer
Power Transfer
We also think with you to smartly transfer your assets to the next generation. You can structure the asset transfer in various ways to optimise your wishes and the tax benefits. We advise you and clarify which assets can be transferred to the next generation. In this way, we jointly ensure capital growth for your (grand)children.
We also relieve you of the burden of setting up a gift plan, a family mortgage, a family fund or an investment structure with your children. Here, you can distinguish between control and ownership. For example, through a foundation trust office (STAK) to gradually involve your children in the (company) assets. This ensures transparency, involvement and financial guidance.
Business succession
How wonderful is it when the next generation wishes to continue the family business? However, this requires careful planning and structure. There are many tax and legal aspects to this. Our specialists see it as their mission to guide you and your family towards a new generation at the helm that continues the success of the past.
Financial planning
Financial planning gives you insight into your current financial situation and maps out your goals. Are all your wishes and goals achievable? And what else is needed for this? We give you a grip on your finances by creating insight into your income, pension provision, assets, and expenses.
With a good financial plan, we ensure that you manage risks and anticipate unforeseen events, such as disability or death. Scenarios you would rather not think about, but the impact on your income and wealth position can be enormous.
Insight and peace
Our specialists are happy to help you gain insight and create peace of mind. Whether it's maximising your income, optimising your tax position or building a buffer for unforeseen expenses.
In addition, we advise you as a major shareholder (DGA, directeur-grootaandeelhouder) on topics such as:
- determining your usual and business salary,
- the company car,
- home ownership and financing,
- dividend (distribution) versus borrowing from your private limited company, subject to excessive borrowing.
