Building a coherent wealth architecture
Wealth structuring goes beyond simple investment management. It involves designing a comprehensive architecture that protects your assets, optimises their tax efficiency and prepares their transfer under the best possible conditions.
Kapitalia acts as the architect of your wealth, in coordination with your legal advisers (notaries, solicitors) to implement sustainable solutions tailored to the evolution of your situation.
Our areas of expertise
Comprehensive wealth audit
Analysis of your financial, tax, estate and matrimonial situation. Identification of risks and optimisation opportunities.
Usufruct-bare ownership split
Separation of usufruct and bare ownership to optimise taxation, income or the transfer of your assets.
Shareholder agreements
Organisation of relationships between partners, exit clauses, governance. Protection of each stakeholder's interests.
Spousal protection
Matrimonial regime, beneficiary clauses, inter-spousal gifts. Securing the surviving spouse in all configurations.
Succession & estate planning
Succession is at the heart of wealth structuring. We build progressive and tax-efficient transfer strategies:
- Phased gifts : utilising renewable allowances every 15 years to transfer assets free of gift tax
- Life insurance : allowance of €152,500 per beneficiary for premiums paid before age 70
- Family SCI : transfer of shares with a valuation discount and collective management of real estate assets
- Future protection mandate : anticipating dependency and protecting family wealth
Who is this for?
- Families wishing to anticipate and organise the transfer of their wealth
- Couples in complex matrimonial situations (blended families, international)
- Business owners preparing the sale or transfer of their company
- Individuals wishing to protect a vulnerable family member
