A beneficiary clause from 1998
A €2.4m life insurance policy named « my spouse, failing that my children ». The spouse had changed since. The wording was redrafted and split in favour of the surviving spouse.
ASTÉRALE Cassinia › Mapping the estate
First stage · Inventory and mapBefore recommending anything, we establish what nobody holds any more: the whole picture. Shares, articles, deeds, loans, contracts, beneficiary clauses — everything is recorded, then set out on a single page that reads in three minutes.
Companies and holdings, property held directly or through a company, securities accounts and wrappers, loans and guarantees, life insurance policies and their clauses, matrimonial regimes and gifts already made.
Who owns what, through which vehicle, outright or split, under which tax regime. Flows between entities appear, and so do the dead ends.
What happens on death, incapacity, sale or divorce. This is where forgotten clauses and missing protections come to light.
What must be addressed now, what can wait, what must not be touched — and why.
A €2.4m life insurance policy named « my spouse, failing that my children ». The spouse had changed since. The wording was redrafted and split in favour of the surviving spouse.
An owner held his property through three SCIs created ten years apart, two taxed on income, one on profits, with different partners. The map showed that a sale would trigger avoidable tax.
A guarantee given to the operating company's bank exposed the family home. It appeared in no wealth document.
Four to eight weeks depending on the number of entities and how readily the documents come. Most of the time goes into collecting deeds, not analysing them.
No. We start with what you have, and the list of missing documents is part of the first deliverable. An estate whose deeds cannot be found is itself a finding.
Yes — that is the fourth stage of the method. It is reviewed at each periodic meeting and after any event that changes it.
General information: this page is neither personalised advice, nor an offer, nor an investment recommendation. Legal and tax deeds are drawn up by your notary, lawyer and accountant, whom we coordinate. All investment carries a risk of capital loss. Regulatory statuses and full legal notice on the Legal notice page (French).
If you head a family estate that nobody sees in full any more, that is what the first meeting is for: rebuilding the whole picture and telling you, plainly, whether there is a case for working together.