{"id":5943,"date":"2025-05-15T16:48:13","date_gmt":"2025-05-15T14:48:13","guid":{"rendered":"https:\/\/www.wellfin.be\/?p=5943"},"modified":"2025-05-16T08:57:29","modified_gmt":"2025-05-16T06:57:29","slug":"comment-optimiser-sa-succession","status":"publish","type":"post","link":"https:\/\/www.wellfin.be\/fr\/comment-optimiser-sa-succession\/","title":{"rendered":"Comment optimiser sa succession ?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"5943\" class=\"elementor elementor-5943\" data-elementor-settings=\"{&quot;ha_cmc_init_switcher&quot;:&quot;no&quot;}\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f3f398c e-flex e-con-boxed e-con e-parent\" data-id=\"f3f398c\" data-element_type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-adcdfbe elementor-widget elementor-widget-text-editor\" data-id=\"adcdfbe\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"p1\">Anticiper sa succession ne se r\u00e9sume pas \u00e0 une simple d\u00e9marche administrative. Il s\u2019agit d\u2019un acte de pr\u00e9voyance, de protection et, bien souvent, d\u2019optimisation. Pour transmettre son patrimoine dans les meilleures conditions possibles, encore faut-il en comprendre les enjeux et activer les bons leviers au bon moment.<\/p><p>\u00a0<\/p><p class=\"p1\">Mais avant de parler d\u2019outils juridiques, fiscaux ou patrimoniaux, la premi\u00e8re \u00e9tape \u2013 souvent n\u00e9glig\u00e9e \u2013 reste la plus essentielle : \u00e9tablir un bilan patrimonial complet. Car toute strat\u00e9gie de transmission repose d\u2019abord sur une bonne connaissance de sa situation.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1c1f75d e-flex e-con-boxed e-con e-parent\" data-id=\"1c1f75d\" data-element_type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a125380 elementor-widget elementor-widget-spacer\" data-id=\"a125380\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7567e6d elementor-widget elementor-widget-heading\" data-id=\"7567e6d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">1. Faire le point : le bilan patrimonial comme fondation de l\u2019optimisation<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6beb6b9 e-flex e-con-boxed e-con e-parent\" data-id=\"6beb6b9\" data-element_type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-78f3c73 elementor-widget elementor-widget-spacer\" data-id=\"78f3c73\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c9855d7 elementor-widget elementor-widget-text-editor\" data-id=\"c9855d7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"p1\">Avant de songer \u00e0 transmettre, il est indispensable d\u2019avoir une vision claire de son patrimoine et de ses implications en cas de d\u00e9c\u00e8s. Cette analyse repose sur trois axes majeurs :<br \/><br \/><\/p><ul class=\"ul1\"><li class=\"li1\"><b>L\u2019impact civil : <\/b>qui h\u00e9rite de quoi ? Il s\u2019agit ici de comprendre la d\u00e9volution l\u00e9gale en fonction de la situation familiale (mariage, cohabitation l\u00e9gale, enfants issus d\u2019une ou plusieurs unions, etc.) et du contrat de mariage \u00e9ventuel. Quelle part revient aux enfants ? Au conjoint survivant ? Cette \u00e9tape permet de mettre en lumi\u00e8re les \u00e9ventuels d\u00e9s\u00e9quilibres ou risques de conflits.<br \/><br \/><\/li><li class=\"li1\"><b>L\u2019impact fiscal : <\/b>combien co\u00fbtera la succession en termes de droits successoraux ? Et surtout, qui devra les payer ? Certains h\u00e9ritiers peuvent \u00eatre plus expos\u00e9s que d\u2019autres selon le lien de parent\u00e9 ou le type de biens re\u00e7us. Il est donc crucial d\u2019anticiper les montants \u00e0 r\u00e9gler et leur r\u00e9partition.<br \/><br \/><\/li><li class=\"li1\"><b>L\u2019impact financier : <\/b>quelle sera la situation concr\u00e8te des h\u00e9ritiers apr\u00e8s le d\u00e9c\u00e8s ? Les droits \u00e0 payer gr\u00e8veront-ils lourdement le patrimoine transmis ? Seront-ils en mesure de maintenir leur niveau de vie ? Une transmission mal pr\u00e9par\u00e9e peut fragiliser durablement la situation financi\u00e8re de ses proches.<br \/><br \/><\/li><\/ul><p class=\"p1\">Si, \u00e0 l\u2019issue de ce diagnostic, il appara\u00eet que les h\u00e9ritiers risquent de se retrouver dans une position d\u00e9licate, alors l\u2019enjeu premier n\u2019est pas l\u2019optimisation, mais la protection.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4d5d859 e-flex e-con-boxed e-con e-parent\" data-id=\"4d5d859\" data-element_type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bb9430c elementor-widget elementor-widget-spacer\" data-id=\"bb9430c\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-01bed5a elementor-widget elementor-widget-heading\" data-id=\"01bed5a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">2. Optimiser sa succession d\u2019un point de vue civil<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cb2e824 e-con-full e-flex e-con e-child\" data-id=\"cb2e824\" data-element_type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a09627f elementor-widget elementor-widget-spacer\" data-id=\"a09627f\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3746de1 e-flex e-con-boxed e-con e-parent\" data-id=\"3746de1\" data-element_type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1224488 elementor-widget elementor-widget-text-editor\" data-id=\"1224488\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"p1\">Lorsque la situation financi\u00e8re des h\u00e9ritiers est saine, il est possible d\u2019aller plus loin en structurant la succession pour en r\u00e9duire l\u2019impact juridique et fiscal. C\u00f4t\u00e9 civil, cela passe souvent par une r\u00e9flexion sur la situation matrimoniale et les instruments juridiques \u00e0 disposition.<br \/><br \/><\/p><ul class=\"ul1\"><li class=\"li1\">Le contrat de mariage joue un r\u00f4le central. Modifier ce contrat pour, par exemple, y ins\u00e9rer une soci\u00e9t\u00e9 d\u2019acqu\u00eats et des syst\u00e8mes de clauses optionnelles peut consid\u00e9rablement am\u00e9liorer les droits du conjoint survivant tout en r\u00e9duisant la pression fiscale.<br \/><br \/><\/li><li class=\"li1\">Pour les couples non mari\u00e9s, d&rsquo;autres outils sont \u00e0 envisager : testament, donation entre partenaires, contrat de cohabitation l\u00e9gale\u2026 Autant de moyens pour organiser<b> <\/b>la d\u00e9volution selon ses souhaits, tout en limitant l\u2019exposition aux droits de succession.<br \/><br \/><\/li><li class=\"li1\">La r\u00e9daction d\u2019un testament permet \u00e9galement d\u2019affiner la strat\u00e9gie successorale, notamment pour prot\u00e9ger certains proches, transmettre des biens sp\u00e9cifiques ou organiser une r\u00e9partition \u00e9quilibr\u00e9e du patrimoine.<br \/><br \/><\/li><\/ul><p class=\"p1\">Dans tous les cas, une question revient souvent : faut-il envisager un changement de r\u00e9gime matrimonial pour optimiser la transmission ? La r\u00e9ponse d\u00e9pend du patrimoine, de la situation familiale et des choix personnels.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-99192b4 e-flex e-con-boxed e-con e-parent\" data-id=\"99192b4\" data-element_type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a810197 elementor-widget elementor-widget-spacer\" data-id=\"a810197\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2da87e8 elementor-widget elementor-widget-heading\" data-id=\"2da87e8\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">3. Optimiser sa succession d\u2019un point de vue fiscal\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c6c6ecc e-flex e-con-boxed e-con e-parent\" data-id=\"c6c6ecc\" data-element_type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5defda3 elementor-widget elementor-widget-spacer\" data-id=\"5defda3\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-186a758 elementor-widget elementor-widget-text-editor\" data-id=\"186a758\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"p1\">L\u2019optimisation fiscale vise \u00e0 transmettre dans les meilleures conditions possibles, tout en tirant parti des dispositifs existants. Elle concerne \u00e0 la fois le patrimoine mobilier et immobilier, chacun ayant ses sp\u00e9cificit\u00e9s.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-58c8103 e-flex e-con-boxed e-con e-parent\" data-id=\"58c8103\" data-element_type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8c38d8d elementor-widget elementor-widget-spacer\" data-id=\"8c38d8d\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e82691e elementor-widget elementor-widget-heading\" data-id=\"e82691e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Patrimoine mobilier :<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a122b38 e-flex e-con-boxed e-con e-parent\" data-id=\"a122b38\" data-element_type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2ee944f elementor-widget elementor-widget-spacer\" data-id=\"2ee944f\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1543455 elementor-widget elementor-widget-text-editor\" data-id=\"1543455\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul class=\"ul1\"><li class=\"li1\">Les donations avec r\u00e9serve d\u2019usufruit permettent de transf\u00e9rer la nue-propri\u00e9t\u00e9 tout en conservant les revenus g\u00e9n\u00e9r\u00e9s. C\u2019est un outil particuli\u00e8rement efficace pour les parents souhaitant donner \u00e0 leurs enfants tout en maintenant leur train de vie.<br \/><br \/><\/li><li class=\"li1\">Les soci\u00e9t\u00e9s civiles (souvent dites \u201csoci\u00e9t\u00e9s simples\u201d) permettent d\u2019organiser la d\u00e9tention et la transmission d\u2019un patrimoine plus cons\u00e9quent, tout en assurant une gouvernance claire et une ma\u00eetrise des r\u00e8gles de transmission.<br \/><br \/><\/li><li class=\"li1\">L\u2019assurance-vie permet de transmettre un capital hors succession, avec des avantages fiscaux attractifs, tout en gardant une certaine souplesse dans le contr\u00f4le et la gestion du contrat.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e0a7ee3 elementor-widget elementor-widget-spacer\" data-id=\"e0a7ee3\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e442b34 e-con-full e-flex e-con e-parent\" data-id=\"e442b34\" data-element_type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6ef4f58 elementor-widget elementor-widget-heading\" data-id=\"6ef4f58\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Patrimoine immobilier :<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-da3bb4c e-flex e-con-boxed e-con e-parent\" data-id=\"da3bb4c\" data-element_type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-378f28f elementor-widget elementor-widget-spacer\" data-id=\"378f28f\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-474ecfe elementor-widget elementor-widget-text-editor\" data-id=\"474ecfe\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"p1\">Transmettre de l\u2019immobilier est g\u00e9n\u00e9ralement plus on\u00e9reux que de transmettre des valeurs mobili\u00e8res. En effet, les droits de donation sont souvent align\u00e9s sur les droits de succession.<\/p><p>\u00a0<\/p><p class=\"p1\">Il convient alors de s\u2019interroger sur la composition du patrimoine : quels biens souhaite-t-on vraiment transmettre ? Lesquels peuvent \u00eatre conserv\u00e9s ? Faut-il envisager une vente pr\u00e9alable de certains actifs immobiliers pour all\u00e9ger la charge successorale ?<\/p><p>\u00a0<\/p><p class=\"p1\">La transmission de l\u2019immobilier peut aussi se faire de mani\u00e8re progressive, via des donations successives afin de limiter la taxation. L\u2019usufruit sur les biens pourra \u00eatre conserver en cas de volont\u00e9 d\u2019en percevoir les revenus futurs.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-13222a6 elementor-widget elementor-widget-spacer\" data-id=\"13222a6\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0501acd elementor-widget elementor-widget-heading\" data-id=\"0501acd\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Conclusion : transmettre mieux, c\u2019est anticiper t\u00f4t<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8301f34 elementor-widget elementor-widget-spacer\" data-id=\"8301f34\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-eeb6d61 e-flex e-con-boxed e-con e-parent\" data-id=\"eeb6d61\" data-element_type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cb4becb elementor-widget elementor-widget-text-editor\" data-id=\"cb4becb\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"p1\">Optimiser sa succession ne s\u2019improvise pas. C\u2019est une d\u00e9marche qui demande du temps, de la r\u00e9flexion, et une bonne dose d\u2019anticipation. Chaque situation familiale est unique, chaque patrimoine a ses sp\u00e9cificit\u00e9s. Il n\u2019existe donc pas de solution universelle, mais bien des strat\u00e9gies sur-mesure.<\/p><p>\u00a0<\/p><p class=\"p1\">Se faire accompagner par un professionnel de la gestion de patrimoine permet de poser les bonnes questions, de prendre les bonnes d\u00e9cisions, et surtout, de s\u2019assurer que ce que l\u2019on a construit au fil du temps profitera pleinement \u00e0 ceux qu\u2019on aime.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-948a98f elementor-widget elementor-widget-spacer\" data-id=\"948a98f\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a5d61ab e-con-full e-flex e-con e-child\" data-id=\"a5d61ab\" data-element_type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a77a3ed elementor-widget elementor-widget-spacer\" data-id=\"a77a3ed\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5c101d9 elementor-widget elementor-widget-text-editor\" data-id=\"5c101d9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>D\u00e9couvrez les autres articles sur notre page <a href=\"https:\/\/www.linkedin.com\/company\/wellfin\/\" target=\"_blank\" rel=\"noopener\">Linkedin<\/a> ou sur <a href=\"https:\/\/www.wellfin.be\/fr\/actualites\/\">notre site web<\/a> !\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d0ebe29 elementor-widget elementor-widget-spacer\" data-id=\"d0ebe29\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>R\u00e9duction des droits d&rsquo;enregistrement pour l&rsquo;acquisition d&rsquo;une habitation principale en R\u00e9gion Wallonne.<\/p>\n","protected":false},"author":1,"featured_media":5951,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[26,40],"tags":[],"class_list":["post-5943","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-conseils","category-succession"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Comment optimiser sa succession ? 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