Lifetime Giving Plan
Lifetime giving plan
How much can the personal reserve withstand, and what must be maintained each year?
When this becomes a problem
Helping the children should not weaken the parents
Before discussing exemptions or documents, the family tests living costs, care, debt and a less favourable future. Only a resilient surplus becomes the basis for choosing between a gift, a loan or an asset transfer.
Resilient transfer
Transfer only what your own future is unlikely to require.
Personal reserve, future costs and control are tested before tax technique and document selection.
- 01Today
Income, costs and debt
- 02Stress
Care and adverse events
- 03Transfer
Amount, timing and terms
How a substantive answer is prepared
From the client’s question to a conclusion owned by a professional.
The portal and open material help frame the question. An individual conclusion appears only after a separate review.
- 01Facts
We reconstruct the event, countries, people’s roles, assets, documents and assumptions.
- 02Professional materials
Only material needed for the particular question is consulted through the protected internal process.
- 03Current rules
Key propositions are checked against current law, official guidance and the applicable procedure.
- 04Professional answer
A professional formulates the conclusion independently, states its limits and approves it in their own name.
The client receives our explanation and accountable professional conclusion—not access to an internal library or another publisher’s material.
What can go wrong
- the transferors' lifetime reserve is unproven;
- the structure exists only to have a 'fund';
- the former consent-to-transfer test is treated as automatic proof of tax transparency after 2025;
- property, an operating business or a foreign participant enters without a separate route;
Expected outcome
A scenario model and route matrix compare a transfer, loan, paper gift and phased route without promising a tax saving.
The intended outcome and the sequence of work are set out below.
- Transfer Capacity Model
- Wealth Transfer Route Matrix
- Paper Gift Health Check
- Annual Gift Governance Calendar
Preparation for the selected service
From a clear example to prepared inputs, a scenario and a discussion.
- 01Start with an example
Plain-language insight with a real-life example: How much can be transferred without vulnerability
- 02Read the detailed explanation
Connected chapter of the full guide
- 03Prepare the inputs
Base and stress scenarios for the personal reserve
- 04Compare the scenario
After checking the reserve: compare a loan, gift and combined route
- 05Save or discuss
Personal space for the result, note or question
What the client prepares
- why capital is being transferred and to whom
- which reserve must not be put at risk
- how independence and fairness should be addressed
Titles and dates of existing documents are enough at first. Do not upload passports, statements or confidential files.
What VB Structuren does
- connects the facts, objectives and constraints in one decision model
- tests the assumptions, applicable rules and practical workability of the selected route
- prepares client-specific outputs and coordinates the agreed implementation
VB Structuren’s responsibility attaches to the separately agreed scope and the professional conclusion after review—not to an automated tool result.
Where specialists join
The notary and tax adviser confirm the form, rate, filing and consequences for both parties.
Documents and outputs
Family Capital Decision Report
Connects the lifetime reserve, purpose, assets, structural alternatives, rights, liquidity and events; it may conclude that no fund is needed
Formal owner: VB StructurenFamily charter and Next-Generation Plan
Record principles, education and the family discussion process without pretending to create absent legal powers
Formal owner: Family + VB StructurenFund terms and management/custody agreement
Implement participant rights, transfers, distributions, valuation, exit, management, legal title and custody
Formal owner: Lawyer + tax adviser; a notarial Dutch foundation may be requiredFamily Fund Operating File
Connects tax and bank confirmation with UBO, FATCA/CRS, LEI, the participant register, decisions, distributions, tax statements, events and annual review
Formal owner: VB Structuren + S.A.L.T. Partners + relevant specialistsTiming, price and scope
Timing
Stages and target dates are agreed after the initial facts, document completeness and required specialist availability have been checked.
Price
The fee is stated before paid work begins in the separate product order, as a fixed fee or agreed stages. The free portal and acceptance of its terms do not themselves create a paid order.
What increases the scope
- real estate, company shares or a staged transfer
- a valuation and separate tax calculation
- long-term payments and recurring formalities