{"id":27842,"date":"2025-12-18T15:25:41","date_gmt":"2025-12-18T20:25:41","guid":{"rendered":"https:\/\/www.rbcwealthmanagement.com\/fr-ca\/?p=27842"},"modified":"2025-12-18T15:25:42","modified_gmt":"2025-12-18T20:25:42","slug":"estate-planning-that-preserves-your-assets-and-your-familys-relationships","status":"publish","type":"post","link":"https:\/\/www.rbcwealthmanagement.com\/fr-ca\/insights\/estate-planning-that-preserves-your-assets-and-your-familys-relationships","title":{"rendered":"Planification successorale\u00a0: pr\u00e9server votre patrimoine et les relations familiales"},"content":{"rendered":"\n

Beaucoup de Canadiens savent que la planification successorale<\/a> est importante. Elle aide \u00e0 prot\u00e9ger leurs biens, \u00e0 prendre soin de leurs proches et \u00e0 garantir le respect de leurs souhaits. Et pourtant, l\u2019on note un d\u00e9calage entre cette prise de conscience et les mesures prises \u00e0 cet \u00e9gard.<\/p>\n\n\n\n

Leanne Kaufman, pr\u00e9sidente et cheffe de la direction de RBC Trust Royal, estime que les raisons pour lesquelles les Canadiens retardent la prise de d\u00e9cisions cl\u00e9s peuvent \u00eatre d\u2019ordre psychologique, financier ou logistique, et elle insiste sur le fait qu\u2019il est important d\u2019agir au bon moment.<\/p>\n\n\n\n

\u00ab La planification successorale n\u2019est pas quelque chose que l\u2019on fait pour soi, explique-t-elle. \u2014 On la fait pour les personnes qu\u2019on aime \u2014 celles qui resteront apr\u00e8s nous ou qui prendront soin de nous lorsque nous ne pourrons plus le faire nous-m\u00eames. \u00bb \u00ab Pour que la planification successorale ait un v\u00e9ritable impact, les Canadiens devraient en faire une priorit\u00e9, que leurs h\u00e9ritiers d\u00e9sign\u00e9s soient des membres de la famille, des amis ou des organismes de bienfaisance. \u00bb<\/p>\n\n\n\n

Les cons\u00e9quences d\u2019un report de la planification successorale<\/h2>\n\n\n\n

Ne pas planifier sa succession,\u00a0ou le faire mal,\u00a0peut cr\u00e9er de la confusion, blesser vos proches, avoir un impact financier et, dans le pire des cas, mener \u00e0 des conflits<\/a>, souligne Mme\u00a0Kaufman.<\/p>\n\n\n\n

Elle note que le fait de demander conseil peut permettre d\u2019\u00e9viter des probl\u00e8mes inattendus. \u00ab L\u2019expertise d\u2019un conseiller est cruciale pour prot\u00e9ger vos biens et vos relations familiales, mais aussi pour que tout soit correctement document\u00e9 et l\u00e9galement s\u00e9curis\u00e9 quand le moment viendra. \u00bb  <\/p>\n\n\n\n

Les premi\u00e8res \u00e9tapes de la planification successorale<\/h2>\n\n\n\n

Mme\u00a0Kaufman recommande \u00e0 ceux qui ne savent pas par o\u00f9 commencer de s\u2019assurer au moins d\u2019avoir un testament<\/a> et de mettre en place une procuration<\/a>. Pensez aussi \u00e0 bien choisir les personnes que vous d\u00e9signez comme ex\u00e9cuteur<\/a>, mandataire<\/a> ou fiduciaire.<\/p>\n\n\n\n

\u00ab Il convient de prendre en compte les comp\u00e9tences, la fiabilit\u00e9 et les conflits d\u2019int\u00e9r\u00eats potentiels des personnes choisies. Ces responsabilit\u00e9s n\u00e9cessitent des comp\u00e9tences et un s\u00e9rieux qu\u2019on ne peut pas confier \u00e0 n\u2019importe qui<\/a>. \u00bb<\/p>\n\n\n\n

Outre le fait d\u2019avoir un plan, Mme Kaufman conseille de toujours \u00ab communiquer ses intentions \u00e0 l\u2019avance<\/a> pour \u00e9viter les mauvaises surprises au moment venu \u00bb.<\/p>\n\n\n\n

Elle ajoute : \u00ab Pensez \u00e0 revoir votre plan successoral r\u00e9guli\u00e8rement, notamment lorsque des \u00e9v\u00e9nements importants surviennent dans votre vie, ou tous les quelques ans pour vous assurer que rien n\u2019a chang\u00e9\u2014que ce soit dans les lois fiscales ou autres, ou dans votre situation personnelle ou celle de vos b\u00e9n\u00e9ficiaires\u2014et que votre plan est toujours adapt\u00e9. \u00bb<\/p>\n\n\n\n

Cet article a \u00e9t\u00e9 initialement publi\u00e9 dans<\/em> The Globe and Mail<\/em>.<\/p>\n\n\n\n

<\/p>\n","protected":false},"excerpt":{"rendered":"

Outre le fait d\u2019avoir un plan, il est bien de communiquer ses intentions \u00e0 l\u2019avance pour \u00e9viter des surprises.<\/p>\n","protected":false},"author":22,"featured_media":27843,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"rbcwm_post_date":"","editor_notices":[],"rbc_url_alias":"","rbcwm_featured_desktop_image_position":"","rbcwm_featured_mobile_image_position":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[514,513],"tags":[364,312],"rbcwm_content_owner":[677],"rbcwm_need":[546,547],"rbcwm_segment":[538],"rbcwm_solution":[550],"rbcwm_topic":[551],"rbcwm_channel":[],"rbcwm_format":[],"class_list":["post-27842","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-planification-patrimoniale","category-planification-successorale","tag-planification-de-patrimoine","tag-planification-successorale","rbcwm_content_owner-royal-trust","rbcwm_need-croissance","rbcwm_need-preservation","rbcwm_segment-particuliers-et-familles","rbcwm_solution-planification-de-patrimoine","rbcwm_topic-votre-patrimoine"],"acf":{"rbcwm_subtitle":"Outre le fait d\u2019avoir un plan, il est bien de communiquer ses intentions \u00e0 l\u2019avance pour \u00e9viter des surprises.","rbcwm_post_author":"","rbcwm_custom_breadcrumb_text":"","rbcwm_custom_breadcrumb_link_url":"","rbcwm_disclaimers":{"add_disclosures":"","perspective_disclaimer":"","expandable":"","omit_from_pages":"","disclaimer_footnote":"Le pr\u00e9sent document a \u00e9t\u00e9 pr\u00e9par\u00e9 pour les soci\u00e9t\u00e9s membres de RBC Gestion de patrimoine, RBC Dominion valeurs mobili\u00e8res Inc.*, RBC Phillips, Hager & North Services-conseils en placements inc., RBC Gestion mondiale d\u2019actifs Inc., Soci\u00e9t\u00e9 Trust Royal du Canada et Compagnie Trust Royal (collectivement, les \u00ab soci\u00e9t\u00e9s \u00bb) ainsi que leur soci\u00e9t\u00e9 affili\u00e9e, Fonds d\u2019investissement Royal Inc. (FIRI). *Membre \u2013 Fonds canadien de protection des investisseurs. Chacune des soci\u00e9t\u00e9s, FIRI et Banque Royale du Canada sont des entit\u00e9s juridiques distinctes et affili\u00e9es. Par \u00ab conseiller RBC \u00bb, on entend les banquiers priv\u00e9s qui sont des employ\u00e9s de Banque Royale du Canada et des repr\u00e9sentants inscrits de FIRI, les gestionnaires de portefeuille employ\u00e9s par RBC Phillips, Hager & North Services-conseils en placements inc. et la Division Client\u00e8le priv\u00e9e de RBC Gestion mondiale d\u2019actifs Inc., les conseillers en services fiduciaires et les conseillers, Testaments et successions employ\u00e9s par la Compagnie Trust Royal ou la Soci\u00e9t\u00e9 Trust Royal du Canada ou les conseillers en placement employ\u00e9s par RBC Dominion valeurs mobili\u00e8res Inc. Au Qu\u00e9bec, les services de planification financi\u00e8re sont offerts par FIRI, qui est inscrit en tant que cabinet de services financiers dans cette province. Ailleurs au Canada, les services de planification financi\u00e8re sont offerts par l\u2019entremise de FIRI, Soci\u00e9t\u00e9 Trust Royal du Canada, Compagnie Trust Royal ou RBC Dominion valeurs mobili\u00e8res Inc. Les services successoraux et fiduciaires sont offerts par Compagnie Trust Royal et Soci\u00e9t\u00e9 Trust Royal du Canada. Les clients peuvent \u00eatre dirig\u00e9s vers un autre partenaire RBC pour des produits ou services non offerts par l\u2019une de ces soci\u00e9t\u00e9s. Les strat\u00e9gies, les conseils et le contenu technique figurant dans cette publication sont fournis \u00e0 titre informatif. 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