{"id":1679,"date":"2022-09-14T12:13:13","date_gmt":"2022-09-14T12:13:13","guid":{"rendered":"https:\/\/finberg.ch\/?page_id=1679"},"modified":"2026-02-04T11:33:55","modified_gmt":"2026-02-04T10:33:55","slug":"inheritance-and-estate-planning","status":"publish","type":"page","link":"https:\/\/finberg.ch\/en\/inheritance-and-estate-planning\/","title":{"rendered":"Inheritance and estate planning"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"1679\" class=\"elementor elementor-1679\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-6797eb85 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"6797eb85\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-183aebde\" data-id=\"183aebde\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3cab7f99 elementor-widget elementor-widget-heading\" data-id=\"3cab7f99\" 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\">Inheritance and estate planning<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-420e9f86 elementor-reverse-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"420e9f86\" data-element_type=\"section\" id=\"parentelensystem\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6171a934\" data-id=\"6171a934\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-69e7f867 elementor-widget elementor-widget-heading\" data-id=\"69e7f867\" 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\">Inheritance and estate planning: Our advice - your added value<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3b874849 elementor-widget elementor-widget-text-editor\" data-id=\"3b874849\" 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><li data-start=\"158\" data-end=\"434\"><p data-start=\"160\" data-end=\"434\"><strong data-start=\"160\" data-end=\"193\">Marriage and partnership law:<\/strong> Advice on matrimonial property regimes (participation in acquired property, community of property, separation of property) and drafting of <a href=\"https:\/\/finberg.ch\/en\/advisor\/the-marriage-contract-room-for-manoeuvre-and-planning-security\/\">marriage contracts<\/a>Support for cohabiting couples in the legal protection and drafting of cohabitation agreements.<\/p><\/li><li data-start=\"435\" data-end=\"632\"><p data-start=\"437\" data-end=\"632\"><strong data-start=\"437\" data-end=\"473\">Estate planning and organisation:<\/strong> Preparation of wills, <a href=\"https:\/\/finberg.ch\/en\/advisor\/the-inheritance-contract\/\">inheritance contracts<\/a> in co-operation with a notary's office.<\/p><\/li><li data-start=\"633\" data-end=\"909\"><p data-start=\"635\" data-end=\"909\"><strong data-start=\"635\" data-end=\"658\">Estate settlement:<\/strong> Assumption of tasks as executor or representative of communities of heirs; organisation of the distribution of legacies, dissolution of households, sale of real estate, management of securities and preparation of inheritance distributions.<\/p><\/li><li data-start=\"910\" data-end=\"1029\"><p data-start=\"912\" data-end=\"1029\"><strong data-start=\"912\" data-end=\"934\">Adult protection:<\/strong> Advice on pension issues and preparation of <a href=\"https:\/\/finberg.ch\/en\/advisor\/the-advance-care-directive\/\">Precautionary orders<\/a><\/p><\/li><\/ul>\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<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-0374ff1 elementor-reverse-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0374ff1\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-11cf026\" data-id=\"11cf026\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ca7f33b elementor-widget elementor-widget-image\" data-id=\"ca7f33b\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/finberg.ch\/wp-content\/uploads\/2022\/10\/schema.png\" data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-title=\"schema\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6MjAxOSwidXJsIjoiaHR0cHM6XC9cL2ZpbmJlcmcuY2hcL3dwLWNvbnRlbnRcL3VwbG9hZHNcLzIwMjJcLzEwXC9zY2hlbWEucG5nIn0%3D\">\n\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"800\" height=\"259\" src=\"https:\/\/finberg.ch\/wp-content\/uploads\/2022\/10\/schema-1024x331.png\" class=\"attachment-large size-large wp-image-2019\" alt=\"\" srcset=\"https:\/\/finberg.ch\/wp-content\/uploads\/2022\/10\/schema-1024x331.png 1024w, https:\/\/finberg.ch\/wp-content\/uploads\/2022\/10\/schema-300x97.png 300w, https:\/\/finberg.ch\/wp-content\/uploads\/2022\/10\/schema-768x248.png 768w, https:\/\/finberg.ch\/wp-content\/uploads\/2022\/10\/schema-1536x497.png 1536w, https:\/\/finberg.ch\/wp-content\/uploads\/2022\/10\/schema.png 1920w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\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<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-0d186fa\" data-id=\"0d186fa\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6fb92d5 elementor-widget elementor-widget-heading\" data-id=\"6fb92d5\" 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\">Parentel system<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2bad1a9 elementor-widget elementor-widget-text-editor\" data-id=\"2bad1a9\" 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>\"The good follows the blood\"<\/p><p><a href=\"https:\/\/www.ch.ch\/de\/familie-und-partnerschaft\/erbschaft\/wer-wie-viel-erbt\/\" target=\"_blank\" rel=\"noopener\">The succession<\/a> always starts from the testator, not from a married couple. Although spouses have a legal claim to the inheritance, they do not belong to a parentel. The 1st parentel includes the direct descendants of the deceased as well as their descendants and so on.<\/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<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-78758aa4 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"78758aa4\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-46a24e35\" data-id=\"46a24e35\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7600a93d elementor-widget elementor-widget-text-editor\" data-id=\"7600a93d\" 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>In the 2nd parentel we are in the circle of the mother and father of the deceased, so here we have brother and sister, nieces and nephews and so on. In the 3rd parentel, the grandparents' circle is represented, i.e. aunts and uncles of the deceased person including their descendants.<\/p>\n<p>If there are parties entitled to inherit in the 1st parentel, this automatically excludes the next circle. If the deceased person leaves no direct descendants, one searches in the 2nd parentel. If the parents are also deceased, however, one would first continue to follow the blood and thus the siblings or their descendants would be entitled to inherit. If no descendants are found in this circle either, the 3rd parentel follows via the grandparents and their descendants.<\/p>\n<p>If there is no will, the succession without legal heirs ends with the third party and the entire estate goes to the state, canton or, as a rule, to the municipality of residence.&nbsp;<\/p>\n<p>You have the possibility to set your own children, parents and spouse on a so-called compulsory portion by means of a will. In this way, you can bequeath a part according to your own will.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-inner-section elementor-element elementor-element-217f415 elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"217f415\" data-element_type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;slideInDown&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-29151b4\" data-id=\"29151b4\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3a2dcc6 elementor-widget__width-initial elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"3a2dcc6\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\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-f1e559c elementor-widget__width-initial elementor-widget elementor-widget-image\" data-id=\"f1e559c\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"800\" height=\"800\" src=\"https:\/\/finberg.ch\/wp-content\/uploads\/2023\/01\/logo_finberg_icon.svg\" class=\"attachment-large size-large wp-image-2897\" alt=\"\" \/>\t\t\t\t\t\t\t\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-d5a8503 elementor-widget__width-initial elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"d5a8503\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\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<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-7f6a9e3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7f6a9e3\" data-element_type=\"section\" id=\"testament\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-08e2cbc\" data-id=\"08e2cbc\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7700e8a elementor-widget elementor-widget-heading\" data-id=\"7700e8a\" 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\">The will<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-inner-section elementor-element elementor-element-23eac55 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"23eac55\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-56e1a02\" data-id=\"56e1a02\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-83dd1e1 elementor-widget elementor-widget-text-editor\" data-id=\"83dd1e1\" 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>We basically know three types of wills: the handwritten will, the public will and, in emergency situations, the oral will.&nbsp;<\/p>\n<p>However, the most common and also simplest type is the handwritten will. If the deceased person does not leave a will, intestate succession takes effect by law. The following formal requirements apply to the respective will:<\/p>\n<p>Handwritten will:<span style=\"color: var( --e-global-color-text ); font-size: 1rem;\"><br><\/span><\/p>\n<ul>\n<li><span style=\"color: var( --e-global-color-text ); font-size: 1rem;\">Completely by hand<\/span><\/li>\n<li>Dated and signed<\/li>\n<li>Location (optional, recommended)<\/li>\n<\/ul>\n<p><span style=\"color: var( --e-global-color-text ); font-size: 1rem;\"><br>It is best to deposit the will in a safe place and also inform your&nbsp;<\/span><span style=\"color: var( --e-global-color-text ); font-size: 1rem;\">relatives about it. We recommend here that the will be signed by a cantonal office such as the&nbsp;<\/span><span style=\"color: var( --e-global-color-text ); font-size: 1rem;\">The inheritance office is responsible for the safekeeping of the documents.<\/span><\/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<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-4906f00\" data-id=\"4906f00\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1f0d6dc elementor-widget elementor-widget-image\" data-id=\"1f0d6dc\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"800\" height=\"533\" src=\"https:\/\/finberg.ch\/wp-content\/uploads\/2022\/10\/testament.jpg\" class=\"attachment-large size-large wp-image-1969\" alt=\"\" srcset=\"https:\/\/finberg.ch\/wp-content\/uploads\/2022\/10\/testament.jpg 900w, https:\/\/finberg.ch\/wp-content\/uploads\/2022\/10\/testament-300x200.jpg 300w, https:\/\/finberg.ch\/wp-content\/uploads\/2022\/10\/testament-768x512.jpg 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\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<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-816d8e0 elementor-widget elementor-widget-text-editor\" data-id=\"816d8e0\" 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>Public Will:<br>The public will is notarised by a notary in the presence of two witnesses. The notary also confirms that the author is capable of judgement. The costs for the notarisation vary from canton to canton, but normally amount to a few hundred francs.<\/p>\n<p>Oral Will:<br>The oral will is a so-called emergency will for situations in which one no longer has the possibility to write another will: For example, if one's life is in danger after an accident. In order for this will to be valid, two witnesses are needed who are not beneficiaries in the will and are not related to the author.<\/p>\n<p>The witnesses must immediately report the last will and testament to an official body and certify it.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-inner-section elementor-element elementor-element-76c4057 elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"76c4057\" data-element_type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;slideInDown&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-0d8136c\" data-id=\"0d8136c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-814edbf elementor-widget__width-initial elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"814edbf\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\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-8317f01 elementor-widget__width-initial elementor-widget elementor-widget-image\" data-id=\"8317f01\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"800\" height=\"800\" src=\"https:\/\/finberg.ch\/wp-content\/uploads\/2023\/01\/logo_finberg_icon.svg\" class=\"attachment-large size-large wp-image-2897\" alt=\"\" \/>\t\t\t\t\t\t\t\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-cacfe39 elementor-widget__width-initial elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"cacfe39\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\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<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-c04ac0e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c04ac0e\" data-element_type=\"section\" id=\"erbvertrag\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-cde886d\" data-id=\"cde886d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6f8464c elementor-widget elementor-widget-heading\" data-id=\"6f8464c\" 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\">Marriage- Inheritance contract<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fda448b elementor-widget elementor-widget-text-editor\" data-id=\"fda448b\" 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>In order to provide for your loved ones in the best possible way, there are, on the one hand, the will and the variants of a\u00a0<a href=\"https:\/\/finberg.ch\/en\/advisor-category\/pension-and-estate-planning\/\">Marriage or inheritance contract<\/a>. By concluding a marriage and inheritance contract during their lifetime, married couples can make the best possible provision for themselves. A marriage contract can be used to stipulate that the surviving spouse receives the entire inheritance, i.e. everything that was earned jointly during the marriage. This instrument alone can reduce the share going to the estate and the surviving spouse is in a better financial position. However, be careful with children who are not joint: It must always be possible to pay out at least the compulsory portion.<\/p><p>An additional inheritance contract, which is validated by public notarisation and with the involvement of two witnesses, can benefit the surviving person even more. It can only be revoked or amended if all the persons involved are in agreement. An inheritance contract can be concluded between the testator and one or more persons. Such an agreement is usually drawn up if persons, such as spouses, wish to become irrevocable beneficiaries or if they voluntarily waive their compulsory portion. An inheritance contract can be used to prevent heirs with a protected compulsory portion from asserting claims that they waived at the time.<\/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-0c5e28b elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"0c5e28b\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\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<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-6cd7d21 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6cd7d21\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-31b32da\" data-id=\"31b32da\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-05c9a1c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"05c9a1c\" data-element_type=\"section\" id=\"patchwork\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-79901ff\" data-id=\"79901ff\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5d805e4 elementor-widget elementor-widget-heading\" data-id=\"5d805e4\" 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\">Patchwork families<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cc8f61d elementor-widget elementor-widget-text-editor\" data-id=\"cc8f61d\" 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>Laws that are still in force today were often written based on circumstances from many decades ago. Today, however, more than 40 % of all marriages are divorced or people live in cohabitation with joint and non-joint children.<\/p>\n<p>Even after the revision, which will come into force on 1 January 2023, the law is tailored to traditional families: unmarried partners or stepchildren will still not benefit from the law.<\/p>\n<p>Do you have a similar situation and do not know who legally inherits or would you like to draw up an overview so that you can take the appropriate steps?<\/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-2b3b705 elementor-align-left elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"2b3b705\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/finberg.ch\/en\/contact-counselling\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Contact now<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-inner-section elementor-element elementor-element-e4e301f elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"e4e301f\" data-element_type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;slideInDown&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-d888fbd\" data-id=\"d888fbd\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d3753dd elementor-widget__width-initial elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"d3753dd\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\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-f9da23e elementor-widget__width-initial elementor-widget elementor-widget-image\" data-id=\"f9da23e\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"800\" height=\"800\" src=\"https:\/\/finberg.ch\/wp-content\/uploads\/2023\/01\/logo_finberg_icon.svg\" class=\"attachment-large size-large wp-image-2897\" alt=\"\" \/>\t\t\t\t\t\t\t\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-265aa21 elementor-widget__width-initial elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"265aa21\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\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<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-7a3cbdb elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7a3cbdb\" data-element_type=\"section\" id=\"immobilien\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ddfb386\" data-id=\"ddfb386\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-79c89db elementor-widget elementor-widget-heading\" data-id=\"79c89db\" 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\">Real estate in the estate<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8d6da85 elementor-widget elementor-widget-text-editor\" data-id=\"8d6da85\" 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>It is not uncommon for the majority of the inherited assets to come from a <a href=\"https:\/\/finberg.ch\/en\/advisor\/property-in-the-estate-a-guide-for-property-owners\/\">Real estate<\/a> comes from. It becomes particularly confusing when several compulsory portions of protected heirs have to be taken into account or the relationship in the family is no longer the best.<\/p><ul><li>Who takes over the property?<\/li><li>Should it be sold?<\/li><li>Can I afford to take over the property and pay off my siblings?<\/li><li>Who pays inheritance tax?<\/li><\/ul><div><span style=\"color: var( --e-global-color-text ); font-size: 1rem;\">\u00a0<\/span><\/div><div><span style=\"color: var( --e-global-color-text ); font-size: 1rem;\">To avoid disputes among the descendants or having to pay taxes for nothing, it is advisable to settle this matter with the parties involved during your lifetime. We will be happy to support you in the implementation and accompany you step by step.\u00a0<\/span><\/div>\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<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-9539aff elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9539aff\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-20f7e48\" data-id=\"20f7e48\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-be94bcd elementor-align-left elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"be94bcd\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/finberg.ch\/en\/contact-counselling\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Advice on inheritance and estate planning<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\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<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-e85ab61 elementor-reverse-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e85ab61\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1d75660\" data-id=\"1d75660\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-472f7f6 elementor-widget elementor-widget-heading\" data-id=\"472f7f6\" 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\">FAQ - Inheritance and estate planning<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b9206dc elementor-widget elementor-widget-n-accordion\" data-id=\"b9206dc\" data-element_type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;multiple&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1940\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1940\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\">      What is the legal succession in Switzerland? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" role=\"region\" aria-labelledby=\"e-n-accordion-item-1940\" class=\"elementor-element elementor-element-ba8d4e8 e-con-full e-flex e-con e-child\" data-id=\"ba8d4e8\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-06975c0 elementor-widget elementor-widget-text-editor\" data-id=\"06975c0\" 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>Legal succession organises the heirs into tribes: the first tribe includes the deceased's children and their descendants. If there are no descendants, the second tribe comes into play, consisting of the parents and their descendants (i.e. siblings of the deceased or their descendants). Only if no one is alive here either does the third line inherit, which includes the grandparents and their descendants. If there are no legal heirs, the estate goes to the canton or the municipality of residence.<\/p><p>Although spouses and registered partners are entitled to inherit, they do not belong to a parentel.<\/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\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1941\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1941\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\">      Who inherits if there is no will? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" role=\"region\" aria-labelledby=\"e-n-accordion-item-1941\" class=\"elementor-element elementor-element-f4ff0f2 e-con-full e-flex e-con e-child\" data-id=\"f4ff0f2\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8c1d5f6 elementor-widget elementor-widget-text-editor\" data-id=\"8c1d5f6\" 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>If a person dies in Switzerland without a will or contract of inheritance, the Swiss law automatically applies. <strong>Legal succession<\/strong>. This is based on the parentel order, i.e. the lineage of descendants, parents or grandparents. In addition, spouses and registered partners are entitled to a legally determined share. If there are no legal heirs, the entire estate goes to the state. Even if this order provides clarity, it often does not correspond to personal wishes. It therefore makes sense to organise your own estate planning in good time with a will or inheritance contract.<\/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\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1942\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1942\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\">      What is the compulsory portion in Switzerland? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" role=\"region\" aria-labelledby=\"e-n-accordion-item-1942\" class=\"elementor-element elementor-element-4ecc854 e-con-full e-flex e-con e-child\" data-id=\"4ecc854\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ca860be elementor-widget elementor-widget-text-editor\" data-id=\"ca860be\" 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>The compulsory portion under Swiss inheritance law is the share of the estate to which certain close relatives have a mandatory entitlement. Only descendants, spouses or registered partners are entitled to a compulsory portion. Their compulsory portion is half of their statutory inheritance share. The deceased person is free to dispose of the remainder of the estate - the so-called free share.<\/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\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1943\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1943\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What types of wills are there? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" role=\"region\" aria-labelledby=\"e-n-accordion-item-1943\" class=\"elementor-element elementor-element-32baa0d e-con-full e-flex e-con e-child\" data-id=\"32baa0d\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ff708dd elementor-widget elementor-widget-text-editor\" data-id=\"ff708dd\" 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>There are three types of wills in Switzerland.<\/p><ul><li>The <strong>handwritten will<\/strong> must be completely handwritten, dated and signed.<\/li><li>The <strong>public will<\/strong> is notarised by a notary public in the presence of two witnesses, who also confirm the testator's capacity of judgement.<\/li><li>The <strong>oral will<\/strong> (emergency will) is only possible in extraordinary situations. It must be drawn up in front of two uninvolved witnesses who immediately report the last will and testament to an official authority.<\/li><\/ul>\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\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1944\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"5\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1944\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\">      What is the difference between a will and an inheritance contract? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" role=\"region\" aria-labelledby=\"e-n-accordion-item-1944\" class=\"elementor-element elementor-element-dd8677d e-con-full e-flex e-con e-child\" data-id=\"dd8677d\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0054aff elementor-widget elementor-widget-text-editor\" data-id=\"0054aff\" 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>The most important difference between a will and an inheritance contract under Swiss inheritance law lies in their binding nature. A will is a unilateral disposition and can be revoked or amended by the testator at any time. An inheritance contract, on the other hand, is a bilateral or multilateral contract that must be officially notarised. Amendments or cancellations are only possible if all parties to the contract agree.<\/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\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1945\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"6\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1945\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\">      How can I optimally protect my spouse? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" role=\"region\" aria-labelledby=\"e-n-accordion-item-1945\" class=\"elementor-element elementor-element-355bb33 e-con-full e-flex e-con e-child\" data-id=\"355bb33\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a34f16c elementor-widget elementor-widget-text-editor\" data-id=\"a34f16c\" 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>A two-stage solution is ideal for optimum protection. By means of a marriage contract, it can be agreed that the surviving spouse receives the entire proposal or the entire inheritance, or the matrimonial property regime can even be changed. This means that less is included in the actual estate. In addition, descendants can be entitled to a compulsory portion by means of a will, or even favouritism can be agreed by inheritance contract. This combination of matrimonial property law and inheritance law instruments is the most effective way of providing comprehensive protection for the spouse.<\/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\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1946\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"7\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1946\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\">      I am not married. Does my cohabiting partner also inherit? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" role=\"region\" aria-labelledby=\"e-n-accordion-item-1946\" class=\"elementor-element elementor-element-afed9b7 e-con-full e-flex e-con e-child\" data-id=\"afed9b7\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-db2e5f4 elementor-widget elementor-widget-text-editor\" data-id=\"db2e5f4\" 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>No, a cohabiting partner has no claim to the estate under Swiss inheritance law without a will or contract of inheritance. This means that if an unmarried person dies, the cohabiting partner does not inherit, even if the relationship has existed for many years. If you want to protect your cohabiting partner, you must actively organise this - for example by making a will, an inheritance contract or by making gifts during your lifetime.<\/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\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1947\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"8\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1947\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\">      What needs to be considered if real estate is included in the estate? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" role=\"region\" aria-labelledby=\"e-n-accordion-item-1947\" class=\"elementor-element elementor-element-44111ef e-con-full e-flex e-con e-child\" data-id=\"44111ef\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-171943f elementor-widget elementor-widget-text-editor\" data-id=\"171943f\" 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>When a property is part of an estate, complex situations often arise. As a house or flat cannot simply be divided up, the question arises as to whether the property should be sold or taken over by an heir. Heirs who do not keep the house usually have to be paid out, which often involves taking out or increasing a mortgage. Tax aspects also play a role, as inheritance or property gains tax may be payable in many cantons when inheriting a house in Switzerland. In order to avoid disputes and financial burdens, it is advisable to make clear arrangements for the inheritance of real estate during your lifetime - for example by means of an inheritance contract, a will or a lifetime division.<\/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\t<\/details>\n\t\t\t\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<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Inheritance and estate planning: Our advice - your added value Marriage and partnership law: Advice on matrimonial property regimes (joint ownership, community of property, separation of property) and drafting of marriage contracts; support for cohabiting couples with legal protection and drafting of cohabitation contracts. Estate planning and organisation: drawing up wills and inheritance contracts in collaboration with a notary's office. Settlement of estates: Assumption of tasks as executor or representative of [...]<\/p>","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"class_list":["post-1679","page","type-page","status-publish","hentry"],"acf":[],"publishpress_future_action":{"enabled":false,"date":"2026-04-24 03:25:15","action":"change-status","newStatus":"draft","terms":[],"taxonomy":"","extraData":[]},"publishpress_future_workflow_manual_trigger":{"enabledWorkflows":[]},"_links":{"self":[{"href":"https:\/\/finberg.ch\/en\/wp-json\/wp\/v2\/pages\/1679","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/finberg.ch\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/finberg.ch\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/finberg.ch\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/finberg.ch\/en\/wp-json\/wp\/v2\/comments?post=1679"}],"version-history":[{"count":220,"href":"https:\/\/finberg.ch\/en\/wp-json\/wp\/v2\/pages\/1679\/revisions"}],"predecessor-version":[{"id":7034,"href":"https:\/\/finberg.ch\/en\/wp-json\/wp\/v2\/pages\/1679\/revisions\/7034"}],"wp:attachment":[{"href":"https:\/\/finberg.ch\/en\/wp-json\/wp\/v2\/media?parent=1679"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}