{"id":2301,"date":"2017-06-14T00:00:00","date_gmt":"2017-06-14T00:00:00","guid":{"rendered":"https:\/\/www.rbcwealthmanagement.com\/fr-ca\/2017\/06\/14\/la-fiducie-testamentaire-le-vehicule-approprie-pour-votre-plan-successoral\/"},"modified":"2024-10-22T09:52:27","modified_gmt":"2024-10-22T13:52:27","slug":"la-fiducie-testamentaire-le-vehicule-approprie-pour-votre-plan-successoral","status":"publish","type":"post","link":"https:\/\/www.rbcwealthmanagement.com\/fr-ca\/insights\/la-fiducie-testamentaire-le-vehicule-approprie-pour-votre-plan-successoral","title":{"rendered":"La fiducie testamentaire : le v\u00e9hicule appropri\u00e9 pour votre plan successoral?"},"content":{"rendered":"\n

La transmission d\u2019un patrimoine<\/a> vous oblige non seulement \u00e0 d\u00e9cider qui seront les destinataires (vos enfants, des organismes caritatifs, des amis, vos fr\u00e8res et s\u0153urs, etc.), mais aussi \u00e0 d\u00e9terminer (ce qui est un dilemme) le v\u00e9hicule le plus appropri\u00e9 pour le transfert des actifs, quels montants iront \u00e0 qui et quand les verser.<\/p>\n\n\n\n

Peu importe qui sera votre b\u00e9n\u00e9ficiaire, vous ne voulez pas \u00eatre confront\u00e9 au pire sc\u00e9nario, par exemple si vous d\u00e9c\u00e9dez alors que vos enfants sont encore jeunes. Comment vos actifs pourraient-ils ou devraient-ils \u00eatre distribu\u00e9s, probablement au cours d\u2019une longue p\u00e9riode ? Vous pourriez aussi ne pas vouloir qu\u2019\u00e0 votre d\u00e9c\u00e8s, de jeunes adultes d\u00e9pensiers touchent la totalit\u00e9 de votre h\u00e9ritage. Que devez-vous faire ?<\/p>\n\n\n\n

Qu\u2019est-ce qu\u2019une fiducie ?<\/strong><\/h2>\n\n\n\n

L\u2019un des moyens les plus efficaces pour avoir la haute main sur la distribution du patrimoine est la fiducie<\/a>, qui cr\u00e9e un lien entre trois parties : le constituant ou le testateur (la personne qui constitue la fiducie), le fiduciaire et les b\u00e9n\u00e9ficiaires.<\/p>\n\n\n\n

Le fiduciaire est avant tout responsable de l\u2019administration des biens en fiducie au profit des b\u00e9n\u00e9ficiaires. Il existe deux types de fiducies : la fiducie entre vifs, constitu\u00e9e du vivant de la personne qui l\u2019\u00e9tablit, et la fiducie testamentaire, qui produit ses effets au moment du d\u00e9c\u00e8s du testateur.<\/p>\n\n\n\n

Dans le pr\u00e9sent article, nous nous concentrerons sur le recours \u00e0 une fiducie testamentaire comme strat\u00e9gie pour transmettre le patrimoine \u00e0 des membres de la famille ou \u00e0 d\u2019autres b\u00e9n\u00e9ficiaires :<\/p>\n\n\n\n

Les fiducies testamentaires : un choix qui peut s\u2019av\u00e9rer judicieux dans le cadre de la planification successorale<\/strong><\/h2>\n\n\n\n

\u00c9tant donn\u00e9 qu\u2019une fiducie testamentaire ne produit ses effets qu\u2019au moment du d\u00e9c\u00e8s du testateur, ses modalit\u00e9s sont d\u00e9termin\u00e9es dans un testament ou dans un acte de fiducie distinct.<\/p>\n\n\n\n

Les actifs d\u00e9tenus dans la fiducie, le nom des b\u00e9n\u00e9ficiaires et du ou des fiduciaires et les pouvoirs qui leur seront conf\u00e9r\u00e9s doivent \u00eatre indiqu\u00e9s dans le testament, tout comme l\u2019\u00e9ch\u00e9ance de la fiducie et la fa\u00e7on de proc\u00e9der aux distributions.<\/p>\n\n\n\n

\u00ab Une fiducie vous permet d\u2019exercer un certain contr\u00f4le sur les actifs l\u00e9gu\u00e9s, soit en d\u00e9terminant quelle personne aura droit \u00e0 tel avantage et pendant combien de temps \u00bb, indique Tracey Woo, cheffe de l\u2019exploitation et vice-pr\u00e9sidente, RBC Trust Royal<\/a>. \u00ab Dans bon nombre de cas, une planification successorale judicieuse passe par la protection qu\u2019offre une fiducie. \u00bb<\/p>\n\n\n\n

\u00c0 qui profite le plus une fiducie testamentaire ?<\/strong><\/h2>\n\n\n\n

Selon Mme<\/sup> Woo, les fiducies testamentaires s\u2019av\u00e8rent particuli\u00e8rement utiles pour les familles recompos\u00e9es, les h\u00e9ritiers d\u00e9pensiers ou des b\u00e9n\u00e9ficiaires frapp\u00e9s d\u2019invalidit\u00e9, car le testateur peut contr\u00f4ler la distribution des actifs, voire les r\u00e9duire.<\/p>\n\n\n\n

Par exemple, dans le cas d\u2019une famille recompos\u00e9e, une fiducie pourrait faire en sorte qu\u2019un deuxi\u00e8me conjoint continue de recevoir des prestations au titre d\u2019une succession jusqu\u2019\u00e0 son d\u00e9c\u00e8s, moment auquel le capital pourrait \u00eatre distribu\u00e9 parmi les enfants du testateur issus d\u2019une union pr\u00e9c\u00e9dente.<\/p>\n\n\n\n

\u00ab Les fiducies peuvent \u00eatre personnalis\u00e9es comme vous le jugez bon, compte tenu de vos intentions \u00e0 long terme et des besoins de votre famille \u00bb, affirme Bianca Krueger, premi\u00e8re directrice, Perfectionnement professionnel, RBC Trust Royal. Si les fiducies sont structur\u00e9es ad\u00e9quatement, elles peuvent aussi servir \u00e0 mettre les actifs \u00e0 l\u2019abri de cr\u00e9anciers potentiels ou de r\u00e9clamations matrimoniales.<\/p>\n\n\n\n

\u00ab Souvent, les parents craignent que leurs biens les plus pr\u00e9cieux et ayant la plus grande valeur sentimentale, comme le chalet familial, se retrouvent entre de mauvaises mains. Une fiducie bien \u00e9tablie peut ajouter un degr\u00e9 de protection et r\u00e9duire le risque de querelles entre les membres de la famille \u00bb, fait remarquer Mme<\/sup> Krueger.<\/p>\n\n\n\n

Les fiducies testamentaires constituent \u00e9galement un bon outil pour les testateurs qui ont \u00e0 leur charge un enfant frapp\u00e9 d\u2019invalidit\u00e9. Dans leur testament, les testateurs peuvent demander la constitution d\u2019une fiducie admissible pour personne handicap\u00e9e \u00e0 l\u2019intention d\u2019un enfant, ce qui donne certains avantages fiscaux et permet d\u2019assurer la s\u00e9curit\u00e9 financi\u00e8re future de l\u2019enfant.<\/p>\n\n\n\n

Pour qu\u2019une fiducie soit consid\u00e9r\u00e9e comme une fiducie admissible pour personne handicap\u00e9e en vertu de la Loi de l\u2019imp\u00f4t sur le revenu, au moins un b\u00e9n\u00e9ficiaire de la fiducie doit recevoir le cr\u00e9dit d\u2019imp\u00f4t f\u00e9d\u00e9ral pour personnes handicap\u00e9es et choisir que la fiducie soit consid\u00e9r\u00e9e comme telle.<\/p>\n\n\n\n

Selon Mme<\/sup>\u00a0Woo, ce type de fiducie permet \u00e0 un b\u00e9n\u00e9ficiaire de tirer profit de la croissance des actifs et de l\u2019imposition \u00e0 taux progressifs <\/a>. Le gouvernement f\u00e9d\u00e9ral a \u00e9limin\u00e9 les taux progressifs pour les autres types de fiducies testamentaires en\u00a02016. \u00c0 l\u2019heure actuelle, ces fiducies sont assujetties au taux marginal d\u2019imposition maximal.<\/p>\n\n\n\n

M\u00eame si les fiducies sont un v\u00e9hicule tr\u00e8s recommand\u00e9 pour prot\u00e9ger et contr\u00f4ler les actifs, elles comportent certains inconv\u00e9nients qu\u2019il est bon de conna\u00eetre \u00e0 l\u2019avance. La constitution et la gestion d\u2019une fiducie peuvent s\u2019av\u00e9rer complexes et demander beaucoup de temps. Par cons\u00e9quent, les personnes qui envisagent le recours \u00e0 une fiducie auraient int\u00e9r\u00eat \u00e0 demander des conseils juridiques et fiscaux professionnels.<\/p>\n\n\n\n

\u00ab Il est essentiel de trouver un \u00e9quilibre entre les co\u00fbts associ\u00e9s \u00e0 l\u2019\u00e9tablissement et \u00e0 la gestion d\u2019une fiducie et les avantages qu\u2019elle procure \u00bb, d\u00e9clare Mme<\/sup> Krueger \u00e0 propos de la d\u00e9cision de cr\u00e9er ou non une fiducie.<\/p>\n\n\n\n

Trouver le bon fiduciaire<\/strong><\/h2>\n\n\n\n

Mme<\/sup> Woo estime que le choix d\u2019un fiduciaire pour faciliter le transfert de la succession est essentiel. Vous pouvez nommer une personne qui occupera ce r\u00f4le ou encore d\u00e9signer une soci\u00e9t\u00e9 de fiducie qui s\u2019en chargera.<\/p>\n\n\n\n

Mme<\/sup> Woo affirme que les constituants doivent faire preuve de prudence lorsqu\u2019ils d\u00e9signent un fiduciaire, compte tenu du temps qu\u2019exige la gestion d\u2019une fiducie et de la complexit\u00e9 de celle-ci. Elle croit aussi que dans certains cas, le choix d\u2019un membre de la famille n\u2019est peut-\u00eatre pas toujours avis\u00e9.<\/p>\n\n\n\n

\u00ab Vous devez faire preuve d\u2019une \u00e9norme confiance envers le fiduciaire et sa capacit\u00e9 de s\u2019acquitter de toutes les t\u00e2ches et obligations stipul\u00e9es dans votre convention de fiducie. Cette responsabilit\u00e9 ne doit pas \u00eatre prise \u00e0 la l\u00e9g\u00e8re \u00bb, soutient-elle.<\/p>\n\n\n\n

Mme<\/sup> Krueger ajoute ceci : \u00ab Beaucoup de gens choisissent une soci\u00e9t\u00e9 de fiducie impartiale pour g\u00e9rer une fiducie, car elle \u00e9limine les impond\u00e9rables que la vie r\u00e9serve aux humains. Les gens d\u00e9m\u00e9nagent, tombent malades, font faillite et divorcent. De plus, des conflits surgissent entre les membres de la famille et les amis. Une soci\u00e9t\u00e9 de fiducie \u00e9limine ces obstacles et assure la long\u00e9vit\u00e9. \u00bb<\/p>\n","protected":false},"excerpt":{"rendered":"

Ce type de fiducie peut offrir une strat\u00e9gie utile pour transmettre votre patrimoine \u00e0 vos 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