Planning van erfbelasting
Eerst brengen we in kaart waar u erfbelasting of schenkbelasting kunt verschuldigd zijn, in alle landen die voor u spelen. Daarna beperken we die met schenkingen, trusts, verzekeringen en een plan dat past bij het land waar u gevestigd bent.
Estate tax is first a question of which countries can tax you, then a planning question. A tax bill can come from your domicile, where you live, your citizenship, where an asset physically is, and where the company holding it is registered — and two or more countries can each claim the right to tax the same asset.
We map your exposure first: every asset, where it legally sits, which countries' rules reach it, at what rate, and what relief or treaty reduces the double charge. Only then do we look at gifts, trusts, changing how assets are owned, insurance and domicile planning to reduce it.
Having the cash to pay is part of the answer. An estate can be well planned and still force the family to sell a business or a home because the tax is due before the assets can be sold, so the plan sets out who pays, from where, and by when.
Pensions are looked at alongside the rest of the estate. A QNUPS (Qualifying Non-UK Pension Scheme — paid into with already-taxed money, and unable to receive a UK pension transfer) can be right when allowances are already used and the aim is genuinely saving for retirement. We judge it on substance, not as a convenient inheritance tax wrapper; if a UK pension scheme is involved, that belongs with our UK pension transfer work instead.
Wat wij voor u doen
- What your estate would owe, country by country
- Gifting and trust options
- Cash ready to pay the tax bill
Wie hier meestal gebruik van maakt
- People with UK domicile, or treated as UK-domiciled, who live abroad
- Families owning property or assets in several countries with estate taxes
- Non-doms and people moving back home, planning around changes in where they live
- Business owners passing shares to the next generation
Eén team, stap voor stap, van het eerste gesprek tot en met de overdracht.
Your assets, where they sit, your domicile, residence and citizenship mapped against every country that could tax your estate.
Projected tax calculated country by country, with treaty relief and exemptions applied.
Gifts, trusts, changing how things are owned, insurance and domicile options compared, with their costs and what they tie you into.
Wills, trust deeds, beneficiary nominations and letters of wishes lined up across countries and filed.
Wat u ontvangt.
Elke opdracht sluiten wij af met een overdrachtsdossier dat door specialisten is gecontroleerd. Dit dossier bewaren wij dertig jaar.
- A map of what your estate is exposed to, country by country
- The projected inheritance and estate tax, worked out
- A report on ways to reduce it, with the trade-offs
- A plan for having the cash to pay the bill
- Wills, trusts and nominations coordinated across countries
De landen die wij hiervoor het vaakst gebruiken.
Vragen die we in elk kennismakingsgesprek horen.
- Moet ik nog Britse erfbelasting betalen als ik in het buitenland woon?
- Very possibly. UK inheritance tax follows long-term residence and domicile status, not just where you live now, and UK assets such as property stay taxable wherever the owner lives.
- Do trusts still work for estate planning?
- Yes, for the right assets and the right family, but they're no longer a simple exemption. Charges when assets go in, every ten years and when they come out, plus reporting and where the settlor lives, all decide whether a trust actually helps.
- Can two countries tax the same estate?
- They can. Where the two countries have an estate tax treaty, relief is usually available; where they don't, credit for the other country's tax may be limited, and planning the structure matters more.
- When should we start?
- Before a move, a sale or a gift — most reliefs depend on living for a set period after the event. Planning after the event is far more limited.
- Does a QNUPS reduce UK inheritance tax?
- It can, when it's a genuine retirement plan paid into with already-taxed money and the amounts fit your circumstances. It's not a wrapper for sheltering an estate, it can't receive a transfer from a UK registered pension, and paying in too much invites challenge. We judge it on substance alongside the rest of your estate plan.
Begin met een gesprek van twintig minuten. U vertrekt met een schriftelijk plan en een prijs.
Elke opdracht begint bij ons adviesteam en gaat daarna naar de juiste specialisten. U ontvangt onze tarieven schriftelijk voordat het werk begint. Wij werken niet met uurtarieven.
Meer over vermogen en verwante diensten
Vermogensstrategie op maat
Eén samenhangend plan voor alle landen waar u vermogen heeft. Uw doelen staan voorop, producten komen pas daarna, en het plan wordt herzien als uw situatie verandert.
Vermogens- en portefeuillebeheer
Beleggingsportefeuilles die onafhankelijke beheerders voor u beheren of die u eerst zelf goedkeurt — in meerdere valuta's, met volledige openheid over alle kosten en eventuele vergoedingen aan adviseurs.
Pensioenplanning
Pensioenplanning voor mensen met pensioenen, werkgevers en een fiscale woonplaats in meerdere landen.
Elke opdracht begint met een adviesgesprek van twintig minuten. Voordat het werk start, ontvangt u de prijs schriftelijk. Wij rekenen geen uurtarief.