Taking care of the future of your assets
When it comes to taking care of your estate, there are many issues that
need to be taken into account. Your personal and family circumstances
play a pivotal role, since Swiss marital and inheritance law is based on the degree of relationship and marital status. Married couples and co-habiting
couples, for example, are not subject to the same rules and laws.
With respect to estate planning, which issues are most important depends
on your particular circumstances:
Working together with you, we will examine your current situation and compare it with your wishes, goals and needs. We will show you possibilities that will allow you to pass on your assets while you are still alive.
A) Single people can use comprehensive estate arrangements to ensure that their assets will be passed on the way they want after their death. The main questions are:
Who are my legal heirs?
Are there any compulsory portions that need to be respected?
What would happen to my personal assets if I were to die suddenly?
What would happen to pension fund or Pillar 3a assets?
B) Co-habiting persons do not have any legal entitlement to inherit their partner's assets under Swiss inheritance law. For this reason, co-habiting couples should take steps early on to make sure their estate and succession issues are taken care of. Priority should be given to arrangements ensuring that the surviving co-habiting partner be recognized as a beneficiary. The central issues are:
How can co-habiting partners ensure that they have the best possible protection?
What restrictions apply?
What will the tax consequences be for the surviving co-habiting partner?
Are co-habiting partners entitled to pension fund or Pillar 3a assets?
C) Married couples - whether they have children or not - are subject to provisions regulated by law when it comes to the inheritance of their assets. In addition to inheritance law, there are other aspects relating to marital property that have to be taken into account:
How can I ensure that my spouse is taken care of financially?
How much freedom do we have to structure things as we want them?
Can children, grandchildren and/or godchildren, for example, inherit while we're still alive?
D) "Patchwork families" are non-traditional or reconstituted families where children, often children from previous relationships, live with one of their parents and a new partner in the same household. Such families have extremely complex needs when it comes to succession and estate planning:
Which entitlements under inheritance law can be claimed by descendants from previous marriages?
What options are there if we want to give preference to specific children or descendents?
How can the partner be named as a beneficiary without the children or descendants being disadvantaged?
Working together with you, we will examine your current situation and compare it with your wishes, goals and needs. We will give you answers to your questions and show you solutions that will allow you to pass on your assets while you are still alive.
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