Wealth transfer
How much would your children pay?
Estate planning is the subject we always put off. Yet a few thousand euros of transferred wealth can cost your heirs dearly. Estimate it, then see what anticipating the transfer can save.
Direct-line transfer (parent to children), in equal shares. Allowance of 100,000 € per child, official 2026 scale. Excludes the surviving spouse (exempt), gifts made in the last 15 years, and special cases (usufruct, disability, etc.).
Inheritance tax due
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The lever almost no one pulls in time
Each child benefits from an allowance of 100,000 € on what they receive. Beyond that, the scale rises quickly: 20% from 16,000 € of taxable amount, up to 45%. On a substantial estate, the bill can reach several hundred thousand euros.
The good news: this allowance renews every 15 years for gifts. Giving during your lifetime, at the right pace and with the right tools (gifting, split ownership, life insurance (assurance-vie)), can often significantly reduce, or even eliminate, the tax to come. But it has to be planned early.
That is exactly the work we do: turning a bill you simply endure into a strategy you choose.
Start together
Wealth is built over time.
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