What problem does this solve?
Outdated beneficiaries or misunderstood plan rules may undermine succession intentions.
Legal planning replaces improvised decisions with solutions suited to the assets, the people involved and their objectives. The appropriate structure depends on the specific facts, not merely on its name.
How Moreno Advocacia can help
Families with PGBL or VGBL plans seeking to update beneficiary arrangements. We review legal, tax and inheritance consequences of existing plans.
We examine family circumstances, available documentation, applicable taxes and implementation feasibility. Where appropriate, we coordinate this solution with other estate-planning instruments.
What we examine before recommending
Plan type; contributions; tax treatment; named beneficiaries and applicable case law.
Beneficiary updates and coordination with other succession documents.
Inheritance and tax treatment may vary considerably between arrangements and circumstances. Implementation must comply with current law and the specific tax and registration requirements of each transaction.