Wealth structuring is more than just numbers and strategies; it’s a deeply personal matter linked to you and your family's future. The decisions you make not only shape your life but also influence the next generations. Our dedicated specialists work with you to transform your ambitions and challenges into comprehensive financial planning, providing you with peace of mind today and control over tomorrow.
Estate planning: translating personal wishes into clear agreements
A key aspect of estate planning is ensuring your wishes are clearly defined. Together we will translate your goals into concrete agreements. We carefully review your cohabitation contract, prenuptial agreements, wills, and family statutes to ensure that your priorities are established clearly, including your wishes for the distribution of your assets. This process brings peace of mind and clarity, for yourself as well as for your loved ones.
Estate planning helps you prepare for changes in your personal circumstances and prevents disputes in the events of divorce or passing. We also assist you with complex tax matters, such as schemes for owner-occupied home ("eigenwoningregeling"), ensuring that your financial interests are optimally protected.
Asset transfer: smartly preparing for the future
Transferring assets: strategically planning for the future
Transferring wealth to the next generation involves thoughtful planning. We work with you to develop the most effective strategies, considering tax benefits. Together, we identify which assets can be transferred to your children and grandchildren in the most efficient way.
Are you looking to set up an endowment plan, family mortgage, or family foundation? Or perhaps you want guidance for deciding on the right (investment) structure? We provide fiscally advantageous solutions that emphasize involvement and transparency. For instance, a trust office (Stichting administratiekantoor; STAK) can help separate ownership and control in a structured way, allowing future generations to gradually take part in your business or family assets.
Business succession: continuity for the family business
Building a family business is one thing; ensuring a seamless transition to the next generation is another. When your business stays within the family, it demands careful planning and a well-structured approach. Our specialists assist you and your family in shaping the succession plan, navigating the complex tax and legal matters involved. This ensures that your business is transferred in a future-proof manner, making use of the business succession scheme (bedrijfsopvolgingsregeling; BOR-regeling).
Financial planning: Gaining control over income, expenses, and future projections
Financial planning provides you with a clear understanding and control over your financial situation. We work together to define your goals and aspirations, determining what is needed to support your lifestyle both now and in the future. By making your income, retirement savings, assets, and expenses transparent, you can manage risks and be ready for unexpected events, such as illness or passing away. Our comprehensive financial plan offers you peace of mind and clarity for the road ahead.
Insight and peace of mind for the major shareholder: tailored advice
As a major shareholder (Directeur-Grootaandeelhouder; DGA), you encounter unique challenges and opportunities. We provide personalized advice on matters such as setting a business salary, utilizing a company car, and identifying the ideal timing for dividend payments. Additionally, we offer guidance on responsible borrowing from your own private limited company (B.V.), ensuring compliance with legislation regarding excessive borrowing.
Our specialists are here to support you, whether you're looking to optimize your tax position, build a financial safety net, or prepare tax returns for income, gifts, or inheritance. As your trusted partner, we provide personalized attention and expert advice, ensuring you're prepared for the future with solutions tailored to your personal goals and the interests of those you care about.
"Intricate problem-solving,
while staying focused on the human element"
CLAASSEN AND GOVERS
"It’s impossible to put a price on everything Govers does for me," says Gerard Claassen* (43), who relies on Govers for his business as well as his personal matters. "First and foremost, Govers helps me maximize my tax advantages. But more than that, they are a firm with integrity, always working to protect my interests and those of everyone involved."
Claassen is an business owner with several businesses and partnerships. Govers manages both his personal holding company and private matters. "Since the interests of my personal holding can differ from those of my other companies, Govers assists me in ensuring everything is properly organized, both professionally and personally."
