家族财富传承保护不可错过的六大时间
<section class="" data-tools="135编辑器" data-id="94817" data-color="#be7763" data-custom="#be7763" style="max-width: 100%;font-size: 16px;font-variant-ligatures: normal;orphans: 2;white-space: normal;widows: 2;letter-spacing: 0.544px;box-sizing: border-box !important;overflow-wrap: break-word !important;background-color: rgb(255, 255, 255);"><section data-width="100%" style="max-width: 100%;width: 677px;box-sizing: border-box !important;overflow-wrap: break-word !important;"><section style="padding-left: 5px;max-width: 100%;box-sizing: border-box;overflow-wrap: break-word !important;"><section style="max-width: 100%;box-sizing: border-box;border-bottom-width: 1px;border-style: none none solid solid;border-bottom-color: rgb(208, 208, 208);border-left-width: 1px;border-left-color: rgb(208, 208, 208);overflow-wrap: break-word !important;"><section data-autoskip="1" class="" style="padding: 1em;max-width: 100%;box-sizing: border-box;font-size: 14px;letter-spacing: 1.5px;line-height: 1.75em;overflow-wrap: break-word !important;"><p style="max-width: 100%;min-height: 1em;line-height: 1.75em;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="max-width: 100%; font-size: 15px; box-sizing: border-box !important; overflow-wrap: break-word !important;"><font face="微软雅黑">一旦错失进行财富保护和传承安排的机会，影响的就是自己、家人、甚至整个家族未来的安定幸福，以及多代人的发展轨迹。</font></span></p></section></section><section style="max-width: 100%;width: 1.2em;height: 6px;float: right;color: rgb(255, 255, 255);box-sizing: border-box !important;overflow-wrap: break-word !important;background-color: rgb(190, 119, 99);"></section><section style="max-width: 100%;clear: both;box-sizing: border-box !important;overflow-wrap: break-word !important;"></section></section></section></section><p style="max-width: 100%;min-height: 1em;font-size: 16px;font-variant-ligatures: normal;orphans: 2;white-space: normal;widows: 2;letter-spacing: 0.544px;text-align: left;box-sizing: border-box !important;overflow-wrap: break-word !important;background-color: rgb(255, 255, 255);"><font face="微软雅黑"><br style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"></font></p><p style="max-width: 100%;min-height: 1em;font-size: 16px;font-variant-ligatures: normal;orphans: 2;white-space: normal;widows: 2;letter-spacing: 0.544px;text-align: center;box-sizing: border-box !important;overflow-wrap: break-word !important;background-color: rgb(255, 255, 255);"><font face="微软雅黑"><img class="rich_pages " data-ratio="0.66125" data-s="300,640" data-type="jpeg" data-w="800" src="https://lymx.com.cn/source/plugin/csdn123_news/display_picture.php?url=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2F75cg7ZEsicMRLRm28JQJPawbq5rEBVJPJvZKs0k6agvkGWCzG0gqOvnTFibdzcckaZH31hBg2laibxMSnxxiaeCWkw%2F640%3Fwx_fmt%3Djpeg" style="box-sizing: border-box !important;overflow-wrap: break-word !important;visibility: visible !important;width: 677px !important;"></font></p><p style="max-width: 100%;min-height: 1em;font-size: 16px;font-variant-ligatures: normal;orphans: 2;white-space: normal;widows: 2;letter-spacing: 0.544px;text-align: left;box-sizing: border-box !important;overflow-wrap: break-word !important;background-color: rgb(255, 255, 255);"><font face="微软雅黑"><br style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"></font></p><p style="margin-right: 16px;margin-left: 16px;max-width: 100%;min-height: 1em;font-size: 16px;font-variant-ligatures: normal;orphans: 2;white-space: normal;widows: 2;letter-spacing: 0.544px;line-height: 1.75em;box-sizing: border-box !important;overflow-wrap: break-word !important;background-color: rgb(255, 255, 255);"><span style="max-width: 100%; font-size: 15px; box-sizing: border-box !important; overflow-wrap: break-word !important;"><font face="微软雅黑">在实践中遇到的案例很多，有些人没有意识到提前进行财富保护传承安排的重要性，因此未作考虑；也有些人已经了解并认为财富保护传承安排很重要，但觉得此事并不着急，因此一拖再拖，直到出现变故而错失良机。</font></span></p><p style="max-width: 100%;min-height: 1em;font-size: 16px;font-variant-ligatures: normal;orphans: 2;white-space: normal;widows: 2;letter-spacing: 0.544px;box-sizing: border-box !important;overflow-wrap: break-word !important;background-color: rgb(255, 255, 255);"><font face="微软雅黑"><br style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"></font></p><section class="" data-tools="135编辑器" data-id="94007" style="max-width: 100%;font-size: 16px;font-variant-ligatures: normal;orphans: 2;white-space: normal;widows: 2;letter-spacing: 0.544px;box-sizing: border-box !important;overflow-wrap: break-word !important;background-color: rgb(255, 255, 255);"><section style="padding: 10px;max-width: 100%;box-sizing: border-box;overflow-wrap: break-word !important;"><section style="max-width: 100%;clear: both;box-sizing: border-box !important;overflow-wrap: break-word !important;"></section><section style="margin-bottom: -2em;margin-left: -10px;max-width: 100%;width: 7em;float: left;box-sizing: border-box !important;overflow-wrap: break-word !important;"><section style="margin-top: -7px;max-width: 100%;box-sizing: border-box;width: 12px;height: 12px;border-radius: 100%;float: right;overflow-wrap: break-word !important;background-color: rgb(161, 164, 116);"></section><section style="padding: 10px;max-width: 100%;box-sizing: border-box;overflow-wrap: break-word !important;background-color: rgb(254, 254, 254);"><img class="" data-ratio="0.24615384615384617" data-type="png" data-w="130" data-width="100%" src="https://lymx.com.cn/source/plugin/csdn123_news/display_picture.php?url=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2F75cg7ZEsicMRLRm28JQJPawbq5rEBVJPJOIjqhW2m0SKDicPMbwpUhkN5E6x9X1kKKjtH5hXK4ceiakLAh8ladsJA%2F640%3Fwx_fmt%3Dpng" style="display: block;box-sizing: border-box !important;overflow-wrap: break-word !important;visibility: visible !important;width: 92px !important;"></section><section style="margin-left: 4px;max-width: 100%;box-sizing: border-box;width: 12px;height: 12px;border-radius: 100%;float: left;overflow-wrap: break-word !important;background-color: rgb(161, 164, 116);"></section></section><section style="max-width: 100%;box-sizing: border-box;border: 1px solid rgb(161, 164, 116);border-radius: 6px;overflow-wrap: break-word !important;"><p style="padding: 2em 1em 1em 2em;max-width: 100%;min-height: 1em;font-size: 14px;letter-spacing: 1.5px;line-height: 1.75em;box-sizing: border-box !important;overflow-wrap: break-word !important;"><font face="微软雅黑"><strong style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="max-width: 100%; font-size: 15px; box-sizing: border-box !important; overflow-wrap: break-word !important;">案例：</span></strong><span style="max-width: 100%; font-size: 15px; line-height: 1.75em; box-sizing: border-box !important; overflow-wrap: break-word !important;">春节前会见了一位70多岁的企业家客户Y先生，有三位婚生子女、两位非婚生子女、五位孙子女和有一位同居多年的女友。Y先生计划在境内境外分设两个家族信托，将名下一亿多的现金资产通过信托给予上述亲人长期生活保障。笔者将初步方案发给Y先生后，Y先生提出等过完年，把名下的一套房子卖出再开始启动，后来就没有下文了。上周获悉，春节后不久，看上去非常健康的Y先生突发疾病过世，名下的资产已经变成遗产，继承人之间对遗产分割分歧很大，还可能要打官司，Y先生当初善良的愿望已经无法实现了。</span></font></p></section></section></section><p style="max-width: 100%;min-height: 1em;font-size: 16px;font-variant-ligatures: normal;orphans: 2;white-space: normal;widows: 2;letter-spacing: 0.544px;box-sizing: border-box !important;overflow-wrap: break-word !important;background-color: rgb(255, 255, 255);"><font face="微软雅黑"><br style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"></font></p><p style="margin-right: 16px;margin-left: 16px;max-width: 100%;min-height: 1em;font-size: 16px;font-variant-ligatures: normal;orphans: 2;white-space: normal;widows: 2;letter-spacing: 0.544px;line-height: 1.75em;box-sizing: border-box !important;overflow-wrap: break-word !important;background-color: rgb(255, 255, 255);"><span style="max-width: 100%; font-size: 15px; box-sizing: border-box !important; overflow-wrap: break-word !important;"><font face="微软雅黑">家族财富保护传承安排的最佳时机是什么？每个人的想法与观点都会不同，以笔者服务的大量客户作为样本，以及与同行之间交流所获得的信息进行归纳，通常认为如下六大重要时间节点是进行家族财富保护传承安排的最佳时机：</font></span></p><p style="max-width: 100%;min-height: 1em;font-size: 16px;font-variant-ligatures: normal;orphans: 2;white-space: normal;widows: 2;letter-spacing: 0.544px;box-sizing: border-box !important;overflow-wrap: break-word !important;background-color: rgb(255, 255, 255);"><font face="微软雅黑"><br style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"></font></p><section class="" data-tools="135编辑器" data-id="89607" data-color="#be7763" data-custom="#be7763" style="max-width: 100%;font-size: 16px;font-variant-ligatures: normal;orphans: 2;white-space: normal;widows: 2;letter-spacing: 0.544px;box-sizing: border-box !important;overflow-wrap: break-word !important;background-color: rgb(255, 255, 255);"><section style="max-width: 100%;height: 3em;line-height: 3em;text-align: center;color: rgb(255, 255, 255);box-sizing: border-box !important;overflow-wrap: break-word !important;background-color: rgb(190, 119, 99);"><p class="" data-brushtype="text" style="max-width: 100%;min-height: 1em;color: rgb(254, 254, 254);font-weight: bold;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="max-width: 100%; font-size: 15px; box-sizing: border-box !important; overflow-wrap: break-word !important;"><font face="微软雅黑">节点一：准备结婚</font></span></p><img class="" data-ratio="0.8854166666666666" data-type="png" data-w="96" src="https://lymx.com.cn/source/plugin/csdn123_news/display_picture.php?url=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2F75cg7ZEsicMRLRm28JQJPawbq5rEBVJPJtaKQ6zflc7S0Z9Q3ibhagOUtibnNdkgBmjANZwiaQDXibicSzkyt90qu3Ug%2F640%3Fwx_fmt%3Dpng" style="margin-top: -2.5em;margin-right: -0.2em;float: right;height: 2.65625em !important;box-sizing: border-box !important;overflow-wrap: break-word !important;visibility: visible !important;width: 3em !important;"></section></section><p style="max-width: 100%;min-height: 1em;font-size: 16px;font-variant-ligatures: normal;orphans: 2;white-space: normal;widows: 2;letter-spacing: 0.544px;box-sizing: border-box !important;overflow-wrap: break-word !important;background-color: rgb(255, 255, 255);"><font face="微软雅黑"><br style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"></font></p><p style="margin-right: 16px;margin-left: 16px;max-width: 100%;min-height: 1em;font-size: 16px;font-variant-ligatures: normal;orphans: 2;white-space: normal;widows: 2;letter-spacing: 0.544px;line-height: 1.75em;box-sizing: border-box !important;overflow-wrap: break-word !important;background-color: rgb(255, 255, 255);"><span style="max-width: 100%; font-size: 15px; box-sizing: border-box !important; overflow-wrap: break-word !important;"><font face="微软雅黑">中国婚内财产收入以共有制为原则，即在没有其他有效安排的情况下，夫妻一方婚内所取得的收入及婚前财产在婚内投资产生的收益均认定为夫妻共同财产，当夫妻离婚时，夫妻共同财产通常由双方平等分割。在坊间，夫妻离婚时财产各半的观点早已广泛流传。因此在实践中，当双方资产规模存在较大悬殊时，高资产一方就会担心将来万一离婚，自己的资产会被对方分割，于是在婚前纷纷委托律师进行保护安排。</font></span></p><p style="max-width: 100%;min-height: 1em;font-size: 16px;font-variant-ligatures: normal;orphans: 2;white-space: normal;widows: 2;letter-spacing: 0.544px;box-sizing: border-box !important;overflow-wrap: break-word !important;background-color: rgb(255, 255, 255);"><font face="微软雅黑"><br style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"></font></p><section class="" data-tools="135编辑器" data-id="94007" style="max-width: 100%;font-size: 16px;font-variant-ligatures: normal;orphans: 2;white-space: normal;widows: 2;letter-spacing: 0.544px;box-sizing: border-box !important;overflow-wrap: break-word !important;background-color: rgb(255, 255, 255);"><section style="padding: 10px;max-width: 100%;box-sizing: border-box;overflow-wrap: break-word !important;"><section style="max-width: 100%;clear: both;box-sizing: border-box !important;overflow-wrap: break-word !important;"></section><section style="margin-bottom: -2em;margin-left: -10px;max-width: 100%;width: 7em;float: left;box-sizing: border-box !important;overflow-wrap: break-word !important;"><section style="margin-top: -7px;max-width: 100%;box-sizing: border-box;width: 12px;height: 12px;border-radius: 100%;float: right;overflow-wrap: break-word !important;background-color: rgb(161, 164, 116);"></section><section style="padding: 10px;max-width: 100%;box-sizing: border-box;overflow-wrap: break-word !important;background-color: rgb(254, 254, 254);"><img class="" data-ratio="0.24615384615384617" data-type="png" data-w="130" data-width="100%" src="https://lymx.com.cn/source/plugin/csdn123_news/display_picture.php?url=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2F75cg7ZEsicMRLRm28JQJPawbq5rEBVJPJOIjqhW2m0SKDicPMbwpUhkN5E6x9X1kKKjtH5hXK4ceiakLAh8ladsJA%2F640%3Fwx_fmt%3Dpng" style="display: block;height: 22.6462px !important;box-sizing: border-box !important;overflow-wrap: break-word !important;visibility: visible !important;width: 92px !important;"></section><section style="margin-left: 4px;max-width: 100%;box-sizing: border-box;width: 12px;height: 12px;border-radius: 100%;float: left;overflow-wrap: break-word !important;background-color: rgb(161, 164, 116);"></section></section><section style="max-width: 100%;box-sizing: border-box;border: 1px solid rgb(161, 164, 116);border-radius: 6px;overflow-wrap: break-word !important;"><p style="padding: 2em 1em 1em 2em;max-width: 100%;box-sizing: border-box;min-height: 1em;font-size: 14px;letter-spacing: 1.5px;line-height: 1.75em;overflow-wrap: break-word !important;"><font face="微软雅黑"><strong style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="max-width: 100%; font-size: 15px; box-sizing: border-box !important; overflow-wrap: break-word !important;">案例：</span></strong><span style="max-width: 100%; font-size: 15px; box-sizing: border-box !important; overflow-wrap: break-word !important;">客户L先生是位富二代，婚前带着未婚妻J女士找到笔者，要求签一份婚前财产协议，理由是其名下的财产都是帮父母代持的，此举只是为了让父母放心。看到J女士面带微笑，毫无反对之意，笔者就安排团队律师帮L先生与J女士做了婚前财产协议安排。</span></font></p></section></section></section><p style="max-width: 100%;min-height: 1em;font-size: 16px;font-variant-ligatures: normal;orphans: 2;white-space: normal;widows: 2;letter-spacing: 0.544px;box-sizing: border-box !important;overflow-wrap: break-word !important;background-color: rgb(255, 255, 255);"><font face="微软雅黑"><br style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"></font></p><p style="margin-right: 16px;margin-left: 16px;max-width: 100%;min-height: 1em;font-size: 16px;font-variant-ligatures: normal;orphans: 2;white-space: normal;widows: 2;letter-spacing: 0.544px;line-height: 1.75em;box-sizing: border-box !important;overflow-wrap: break-word !important;background-color: rgb(255, 255, 255);"><span style="max-width: 100%; font-size: 15px; box-sizing: border-box !important; overflow-wrap: break-word !important;"><font face="微软雅黑">婚前财产协议简单方便，但需要男女双方协商一致共同办理，对未来夫妻感情会存在潜在伤害，所以在实践中用得并不多。家族信托推行之后，因为可以单方办理，不影响感情，通过家族信托行婚前财产隔离的安排已经越来越多。</font></span></p><p style="max-width: 100%;min-height: 1em;font-size: 16px;font-variant-ligatures: normal;orphans: 2;white-space: normal;widows: 2;letter-spacing: 0.544px;box-sizing: border-box !important;overflow-wrap: break-word !important;background-color: rgb(255, 255, 255);"><font face="微软雅黑"><br style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"></font></p><p style="margin-right: 16px;margin-left: 16px;max-width: 100%;min-height: 1em;font-size: 16px;font-variant-ligatures: normal;orphans: 2;white-space: normal;widows: 2;letter-spacing: 0.544px;line-height: 1.75em;box-sizing: border-box !important;overflow-wrap: break-word !important;background-color: rgb(255, 255, 255);"><span style="max-width: 100%; font-size: 15px; box-sizing: border-box !important; overflow-wrap: break-word !important;"><font face="微软雅黑">准备结婚是家族财富保护传承安排的常见时间节点。实践中，高净值人群在二婚以上选择较多；富二代、富三代通常是在父母督促下进行安排。其中需要考虑的不仅是离婚分产问题，还有身后安全传承问题。</font></span></p><p style="max-width: 100%;min-height: 1em;font-size: 16px;font-variant-ligatures: normal;orphans: 2;white-space: normal;widows: 2;letter-spacing: 0.544px;box-sizing: border-box !important;overflow-wrap: break-word !important;background-color: rgb(255, 255, 255);"><font face="微软雅黑"><br style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"></font></p><p style="max-width: 100%;min-height: 1em;font-size: 16px;font-variant-ligatures: normal;orphans: 2;white-space: normal;widows: 2;letter-spacing: 0.544px;text-align: center;box-sizing: border-box !important;overflow-wrap: break-word !important;background-color: rgb(255, 255, 255);"><font face="微软雅黑"><img class="rich_pages " data-ratio="0.66375" data-s="300,640" data-type="jpeg" data-w="800" src="https://lymx.com.cn/source/plugin/csdn123_news/display_picture.php?url=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2F75cg7ZEsicMRLRm28JQJPawbq5rEBVJPJhKaicofCBIS9QiatLuJfkw18BaQL6S775hFos3CiciaRutkT0BEzq9ojiaw%2F640%3Fwx_fmt%3Djpeg" style="box-sizing: border-box !important;overflow-wrap: break-word !important;visibility: visible !important;width: 677px !important;"></font></p><p style="max-width: 100%;min-height: 1em;font-size: 16px;font-variant-ligatures: normal;orphans: 2;white-space: normal;widows: 2;letter-spacing: 0.544px;box-sizing: border-box !important;overflow-wrap: break-word !important;background-color: rgb(255, 255, 255);"><font face="微软雅黑"><br style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"></font></p><section class="" data-tools="135编辑器" data-id="89607" data-color="#be7763" data-custom="#be7763" style="max-width: 100%;font-size: 16px;font-variant-ligatures: normal;orphans: 2;white-space: normal;widows: 2;letter-spacing: 0.544px;box-sizing: border-box !important;overflow-wrap: break-word !important;background-color: rgb(255, 255, 255);"><section style="max-width: 100%;height: 3em;line-height: 3em;text-align: center;color: rgb(255, 255, 255);box-sizing: border-box !important;overflow-wrap: break-word !important;background-color: rgb(190, 119, 99);"><p class="" data-brushtype="text" style="max-width: 100%;min-height: 1em;color: rgb(254, 254, 254);font-weight: bold;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="max-width: 100%; font-size: 15px; box-sizing: border-box !important; overflow-wrap: break-word !important;"><font face="微软雅黑">节点二：计划负债</font></span></p><img class="" data-ratio="0.8854166666666666" data-type="png" data-w="96" src="https://lymx.com.cn/source/plugin/csdn123_news/display_picture.php?url=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2F75cg7ZEsicMRLRm28JQJPawbq5rEBVJPJtaKQ6zflc7S0Z9Q3ibhagOUtibnNdkgBmjANZwiaQDXibicSzkyt90qu3Ug%2F640%3Fwx_fmt%3Dpng" style="margin-top: -2.5em;margin-right: -0.2em;float: right;box-sizing: border-box !important;overflow-wrap: break-word !important;visibility: visible !important;width: 3em !important;"></section></section><p style="max-width: 100%;min-height: 1em;font-size: 16px;font-variant-ligatures: normal;orphans: 2;white-space: normal;widows: 2;letter-spacing: 0.544px;box-sizing: border-box !important;overflow-wrap: break-word !important;background-color: rgb(255, 255, 255);"><font face="微软雅黑"><br style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"></font></p><p style="margin-right: 16px;margin-left: 16px;max-width: 100%;min-height: 1em;font-size: 16px;font-variant-ligatures: normal;orphans: 2;white-space: normal;widows: 2;letter-spacing: 0.544px;line-height: 1.75em;box-sizing: border-box !important;overflow-wrap: break-word !important;background-color: rgb(255, 255, 255);"><span style="max-width: 100%; font-size: 15px; box-sizing: border-box !important; overflow-wrap: break-word !important;"><font face="微软雅黑">无论是因为借款、担保负债，还是因为侵权赔偿、连带责任等负债，如果债务已经发生，才想起来进行财富保护传承安排，将很难得到法律保护。因此在债务产生之前，为了家庭成员的生活保障或保存资产实力，将一部分资产进行隔离保护，是非常有必要的。</font></span></p><p style="max-width: 100%;min-height: 1em;font-size: 16px;font-variant-ligatures: normal;orphans: 2;white-space: normal;widows: 2;letter-spacing: 0.544px;box-sizing: border-box !important;overflow-wrap: break-word !important;background-color: rgb(255, 255, 255);"><font face="微软雅黑"><br style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"></font></p><section class="" data-tools="135编辑器" data-id="94007" style="max-width: 100%;font-size: 16px;font-variant-ligatures: normal;orphans: 2;white-space: normal;widows: 2;letter-spacing: 0.544px;box-sizing: border-box !important;overflow-wrap: break-word !important;background-color: rgb(255, 255, 255);"><section style="padding: 10px;max-width: 100%;box-sizing: border-box;overflow-wrap: break-word !important;"><section style="max-width: 100%;clear: both;box-sizing: border-box !important;overflow-wrap: break-word !important;"></section><section style="margin-bottom: -2em;margin-left: -10px;max-width: 100%;width: 7em;float: left;box-sizing: border-box !important;overflow-wrap: break-word !important;"><section style="margin-top: -7px;max-width: 100%;box-sizing: border-box;width: 12px;height: 12px;border-radius: 100%;float: right;overflow-wrap: break-word !important;background-color: rgb(161, 164, 116);"></section><section style="padding: 10px;max-width: 100%;box-sizing: border-box;overflow-wrap: break-word !important;background-color: rgb(254, 254, 254);"><img class="" data-ratio="0.24615384615384617" data-type="png" data-w="130" data-width="100%" src="https://lymx.com.cn/source/plugin/csdn123_news/display_picture.php?url=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2F75cg7ZEsicMRLRm28JQJPawbq5rEBVJPJOIjqhW2m0SKDicPMbwpUhkN5E6x9X1kKKjtH5hXK4ceiakLAh8ladsJA%2F640%3Fwx_fmt%3Dpng" style="display: block;height: 22.6462px !important;box-sizing: border-box !important;overflow-wrap: break-word !important;visibility: visible !important;width: 92px !important;"></section><section style="margin-left: 4px;max-width: 100%;box-sizing: border-box;width: 12px;height: 12px;border-radius: 100%;float: left;overflow-wrap: break-word !important;background-color: rgb(161, 164, 116);"></section></section><section style="max-width: 100%;box-sizing: border-box;border: 1px solid rgb(161, 164, 116);border-radius: 6px;overflow-wrap: break-word !important;"><section data-autoskip="1" class="" style="padding: 2em 1em 1em 2em;max-width: 100%;box-sizing: border-box;font-size: 14px;letter-spacing: 1.5px;line-height: 1.75em;overflow-wrap: break-word !important;"><p style="max-width: 100%;min-height: 1em;line-height: 1.75em;box-sizing: border-box !important;overflow-wrap: break-word !important;"><font face="微软雅黑"><br style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"></font></p><p style="max-width: 100%;min-height: 1em;line-height: 1.75em;box-sizing: border-box !important;overflow-wrap: break-word !important;"><font face="微软雅黑"><strong style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="max-width: 100%; font-size: 15px; box-sizing: border-box !important; overflow-wrap: break-word !important;">案例：</span></strong><span style="max-width: 100%; font-size: 15px; box-sizing: border-box !important; overflow-wrap: break-word !important;">企业家客户Z总，为了公司占领市场扩大规模，需要外部融资八千万，但除了公司资产提供担保外， Z总与太太作为公司实际控制人还要以担保人身份承担连带责任。Z总在太太的强烈要求下，在融资前拿出一千万自有资金通过家族信托与保险等工具作了财保护传承安排，然后才正式进行融资。万一将来公司经营失败，无法偿还所借款项，Z总与太太作为担保人，其名下的资产都将可能被查封用来偿债，但已经合法进行财富保护传承安排的资产则不会受到影响，等于给自己与太太留了一条东山再起的退路。</span></font></p></section></section></section></section><p style="margin-right: 16px;margin-left: 16px;max-width: 100%;min-height: 1em;font-size: 16px;font-variant-ligatures: normal;orphans: 2;white-space: normal;widows: 2;letter-spacing: 0.544px;line-height: 1.75em;box-sizing: border-box !important;overflow-wrap: break-word !important;background-color: rgb(255, 255, 255);"><font face="微软雅黑"><br style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"></font></p><p style="margin-right: 16px;margin-left: 16px;max-width: 100%;min-height: 1em;font-size: 16px;font-variant-ligatures: normal;orphans: 2;white-space: normal;widows: 2;letter-spacing: 0.544px;line-height: 1.75em;box-sizing: border-box !important;overflow-wrap: break-word !important;background-color: rgb(255, 255, 255);"><span style="max-width: 100%; font-size: 15px; box-sizing: border-box !important; overflow-wrap: break-word !important;"><font face="微软雅黑">计划负债是家族财富保护传承安排的重要节点，通常发生在企业家客户为了公司发展，对外大额借贷之时，企业家客户最为常见。</font></span></p><p style="max-width: 100%;min-height: 1em;font-size: 16px;font-variant-ligatures: normal;orphans: 2;white-space: normal;widows: 2;letter-spacing: 0.544px;box-sizing: border-box !important;overflow-wrap: break-word !important;background-color: rgb(255, 255, 255);"><font face="微软雅黑"><br style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"></font></p><section class="" data-tools="135编辑器" data-id="89607" data-color="#be7763" data-custom="#be7763" style="max-width: 100%;font-size: 16px;font-variant-ligatures: normal;orphans: 2;white-space: normal;widows: 2;letter-spacing: 0.544px;box-sizing: border-box !important;overflow-wrap: break-word !important;background-color: rgb(255, 255, 255);"><section style="max-width: 100%;height: 3em;line-height: 3em;text-align: center;color: rgb(255, 255, 255);box-sizing: border-box !important;overflow-wrap: break-word !important;background-color: rgb(190, 119, 99);"><p class="" data-brushtype="text" style="max-width: 100%;min-height: 1em;color: rgb(254, 254, 254);font-weight: bold;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="max-width: 100%; font-size: 15px; box-sizing: border-box !important; overflow-wrap: break-word !important;"><font face="微软雅黑">节点三：已患重疾</font></span></p><img class="" data-ratio="0.8854166666666666" data-type="png" data-w="96" src="https://lymx.com.cn/source/plugin/csdn123_news/display_picture.php?url=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2F75cg7ZEsicMRLRm28JQJPawbq5rEBVJPJtaKQ6zflc7S0Z9Q3ibhagOUtibnNdkgBmjANZwiaQDXibicSzkyt90qu3Ug%2F640%3Fwx_fmt%3Dpng" style="margin-top: -2.5em;margin-right: -0.2em;float: right;box-sizing: border-box !important;overflow-wrap: break-word !important;visibility: visible !important;width: 3em !important;"></section></section><p style="max-width: 100%;min-height: 1em;font-size: 16px;font-variant-ligatures: normal;orphans: 2;white-space: normal;widows: 2;letter-spacing: 0.544px;box-sizing: border-box !important;overflow-wrap: break-word !important;background-color: rgb(255, 255, 255);"><font face="微软雅黑"><br style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"></font></p><p style="margin-right: 16px;margin-left: 16px;max-width: 100%;min-height: 1em;font-size: 16px;font-variant-ligatures: normal;orphans: 2;white-space: normal;widows: 2;letter-spacing: 0.544px;line-height: 1.75em;box-sizing: border-box !important;overflow-wrap: break-word !important;background-color: rgb(255, 255, 255);"><span style="max-width: 100%; font-size: 15px; box-sizing: border-box !important; overflow-wrap: break-word !important;"><font face="微软雅黑">笔者所服务的相当一部分青壮年高净值客户，之前总觉得财富保护传承离自己很遥远，是以后的事情，直到突然发现身体出现了异样，才不得不立即着手进行财富保护传承安排。</font></span></p><p style="max-width: 100%;min-height: 1em;font-size: 16px;font-variant-ligatures: normal;orphans: 2;white-space: normal;widows: 2;letter-spacing: 0.544px;box-sizing: border-box !important;overflow-wrap: break-word !important;background-color: rgb(255, 255, 255);"><font face="微软雅黑"><br style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"></font></p><section class="" data-tools="135编辑器" data-id="94007" style="max-width: 100%;font-size: 16px;font-variant-ligatures: normal;orphans: 2;white-space: normal;widows: 2;letter-spacing: 0.544px;box-sizing: border-box !important;overflow-wrap: break-word !important;background-color: rgb(255, 255, 255);"><section style="padding: 10px;max-width: 100%;box-sizing: border-box;overflow-wrap: break-word !important;"><section style="max-width: 100%;clear: both;box-sizing: border-box !important;overflow-wrap: break-word !important;"></section><section style="margin-bottom: -2em;margin-left: -10px;max-width: 100%;width: 7em;float: left;box-sizing: border-box !important;overflow-wrap: break-word !important;"><section style="margin-top: -7px;max-width: 100%;box-sizing: border-box;width: 12px;height: 12px;border-radius: 100%;float: right;overflow-wrap: break-word !important;background-color: rgb(161, 164, 116);"></section><section style="padding: 10px;max-width: 100%;box-sizing: border-box;overflow-wrap: break-word !important;background-color: rgb(254, 254, 254);"><img class="" data-ratio="0.24615384615384617" data-type="png" data-w="130" data-width="100%" src="https://lymx.com.cn/source/plugin/csdn123_news/display_picture.php?url=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2F75cg7ZEsicMRLRm28JQJPawbq5rEBVJPJOIjqhW2m0SKDicPMbwpUhkN5E6x9X1kKKjtH5hXK4ceiakLAh8ladsJA%2F640%3Fwx_fmt%3Dpng" style="display: block;box-sizing: border-box !important;overflow-wrap: break-word !important;visibility: visible !important;width: 92px !important;"></section><section style="margin-left: 4px;max-width: 100%;box-sizing: border-box;width: 12px;height: 12px;border-radius: 100%;float: left;overflow-wrap: break-word !important;background-color: rgb(161, 164, 116);"></section></section><section style="max-width: 100%;box-sizing: border-box;border: 1px solid rgb(161, 164, 116);border-radius: 6px;overflow-wrap: break-word !important;"><p style="padding: 2em 1em 1em 2em;max-width: 100%;box-sizing: border-box;min-height: 1em;font-size: 14px;letter-spacing: 1.5px;line-height: 1.75em;overflow-wrap: break-word !important;"><font face="微软雅黑"><strong style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="max-width: 100%; font-size: 15px; box-sizing: border-box !important; overflow-wrap: break-word !important;">案例：</span></strong><span style="max-width: 100%; font-size: 15px; box-sizing: border-box !important; overflow-wrap: break-word !important;">W女士是一位企业家，也是一位单亲妈妈，女儿9岁，由母亲帮忙照顾。丈夫五年前意外去世，W女士和丈夫感情深厚，一直没有考虑再婚事宜，把精力都放在事业上，近年公司发展顺利，女儿在高级私立学校就读。两年前因处理一个合同纠纷，笔者与W女士认识，根据W女士的情况，笔者曾和她提过女儿年幼，有必要提前进行一些财富保护传承安排的建议，但W女士婉拒。一个月前，W女士突然主动联系笔者，见面后才知道，W女士去日本进行体检，查出乳腺已有癌变。W女士很坚强，一边积极联系治疗，一边进行财富保护传承规划。W女士之前已经买过一些人寿保险，但对于W女士的资产量而言是远远不够的，也满足不了女儿未来成长安排的个性化需求，因此又进行了家族信托的定制安排。</span></font></p></section></section></section><p style="max-width: 100%;min-height: 1em;font-size: 16px;font-variant-ligatures: normal;orphans: 2;white-space: normal;widows: 2;letter-spacing: 0.544px;box-sizing: border-box !important;overflow-wrap: break-word !important;background-color: rgb(255, 255, 255);"><font face="微软雅黑"><br style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"></font></p><p style="margin-right: 16px;margin-left: 16px;max-width: 100%;min-height: 1em;font-size: 16px;font-variant-ligatures: normal;orphans: 2;white-space: normal;widows: 2;letter-spacing: 0.544px;line-height: 1.75em;box-sizing: border-box !important;overflow-wrap: break-word !important;background-color: rgb(255, 255, 255);"><span style="max-width: 100%; font-size: 15px; box-sizing: border-box !important; overflow-wrap: break-word !important;"><font face="微软雅黑">生病后才意识到自己的脆弱，才更容易想到要对家人与财富进行合理的规划安排，因此，身患重疾也是家族财富保护传承安排的常见时间节点。</font></span></p><p style="max-width: 100%;min-height: 1em;font-size: 16px;font-variant-ligatures: normal;orphans: 2;white-space: normal;widows: 2;letter-spacing: 0.544px;box-sizing: border-box !important;overflow-wrap: break-word !important;background-color: rgb(255, 255, 255);"><font face="微软雅黑"><br style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"></font></p><p style="max-width: 100%;min-height: 1em;font-size: 16px;font-variant-ligatures: normal;orphans: 2;white-space: normal;widows: 2;letter-spacing: 0.544px;text-align: center;box-sizing: border-box !important;overflow-wrap: break-word !important;background-color: rgb(255, 255, 255);"><font face="微软雅黑"><img class="rich_pages " data-ratio="0.5475" data-s="300,640" data-type="jpeg" data-w="800" src="https://lymx.com.cn/source/plugin/csdn123_news/display_picture.php?url=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2F75cg7ZEsicMRLRm28JQJPawbq5rEBVJPJXwCamDW007nj2xg8pfqRPNR94G5gMGPiax0Yw9M2q7B1g9FUZOHfYFg%2F640%3Fwx_fmt%3Djpeg" style="box-sizing: border-box !important;overflow-wrap: break-word !important;visibility: visible !important;width: 677px !important;"></font></p><p style="max-width: 100%;min-height: 1em;font-size: 16px;font-variant-ligatures: normal;orphans: 2;white-space: normal;widows: 2;letter-spacing: 0.544px;box-sizing: border-box !important;overflow-wrap: break-word !important;background-color: rgb(255, 255, 255);"><font face="微软雅黑"><br style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"></font></p><section class="" data-tools="135编辑器" data-id="89607" data-color="#be7763" data-custom="#be7763" style="max-width: 100%;font-size: 16px;font-variant-ligatures: normal;orphans: 2;white-space: normal;widows: 2;letter-spacing: 0.544px;box-sizing: border-box !important;overflow-wrap: break-word !important;background-color: rgb(255, 255, 255);"><section style="max-width: 100%;height: 3em;line-height: 3em;text-align: center;color: rgb(255, 255, 255);box-sizing: border-box !important;overflow-wrap: break-word !important;background-color: rgb(190, 119, 99);"><p class="" data-brushtype="text" style="max-width: 100%;min-height: 1em;color: rgb(254, 254, 254);font-weight: bold;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="max-width: 100%; font-size: 15px; box-sizing: border-box !important; overflow-wrap: break-word !important;"><font face="微软雅黑">节点四：计划移民</font></span></p><img class="" data-ratio="0.8854166666666666" data-type="png" data-w="96" src="https://lymx.com.cn/source/plugin/csdn123_news/display_picture.php?url=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2F75cg7ZEsicMRLRm28JQJPawbq5rEBVJPJtaKQ6zflc7S0Z9Q3ibhagOUtibnNdkgBmjANZwiaQDXibicSzkyt90qu3Ug%2F640%3Fwx_fmt%3Dpng" style="margin-top: -2.5em;margin-right: -0.2em;float: right;box-sizing: border-box !important;overflow-wrap: break-word !important;visibility: visible !important;width: 3em !important;"></section></section><p style="max-width: 100%;min-height: 1em;font-size: 16px;font-variant-ligatures: normal;orphans: 2;white-space: normal;widows: 2;letter-spacing: 0.544px;box-sizing: border-box !important;overflow-wrap: break-word !important;background-color: rgb(255, 255, 255);"><font face="微软雅黑"><br style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"></font></p><p style="margin-right: 16px;margin-left: 16px;max-width: 100%;min-height: 1em;font-size: 16px;font-variant-ligatures: normal;orphans: 2;white-space: normal;widows: 2;letter-spacing: 0.544px;line-height: 1.75em;box-sizing: border-box !important;overflow-wrap: break-word !important;background-color: rgb(255, 255, 255);"><span style="max-width: 100%; font-size: 15px; box-sizing: border-box !important; overflow-wrap: break-word !important;"><font face="微软雅黑">中国是移民输出大国，全球各地都有华人的身影，高净值人群更是移民的主力军。移民目的多种多样，有的是为了孩子上学、有的是为了企业上市，有的是为了财富传承。如果是真正为了生活居住目的，法治健全实力强大的传统主流国家地区仍然是首选。除了常见的美加澳外，一些欧洲老牌资本主义国家也占据了一定的比例，这些国家有一个共性，就是全球收入征税，而且税负较重。</font></span></p><p style="max-width: 100%;min-height: 1em;font-size: 16px;font-variant-ligatures: normal;orphans: 2;white-space: normal;widows: 2;letter-spacing: 0.544px;box-sizing: border-box !important;overflow-wrap: break-word !important;background-color: rgb(255, 255, 255);"><font face="微软雅黑"><br style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"></font></p><p style="margin-right: 16px;margin-left: 16px;max-width: 100%;min-height: 1em;font-size: 16px;font-variant-ligatures: normal;orphans: 2;white-space: normal;widows: 2;letter-spacing: 0.544px;line-height: 1.75em;box-sizing: border-box !important;overflow-wrap: break-word !important;background-color: rgb(255, 255, 255);"><span style="max-width: 100%; font-size: 15px; box-sizing: border-box !important; overflow-wrap: break-word !important;"><font face="微软雅黑">对于拥有庞大资产的高净值客户来说，降低税务负担已经迫在眉睫，部分客户已经开始选择税负更轻的如中国香港、新加坡、爱尔兰等地，还有一些客户通过移民前的财富保护传承规划进行了有效解决。</font></span></p><p style="max-width: 100%;min-height: 1em;font-size: 16px;font-variant-ligatures: normal;orphans: 2;white-space: normal;widows: 2;letter-spacing: 0.544px;box-sizing: border-box !important;overflow-wrap: break-word !important;background-color: rgb(255, 255, 255);"><font face="微软雅黑"><br style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"></font></p><section class="" data-tools="135编辑器" data-id="94007" style="max-width: 100%;font-size: 16px;font-variant-ligatures: normal;orphans: 2;white-space: normal;widows: 2;letter-spacing: 0.544px;box-sizing: border-box !important;overflow-wrap: break-word !important;background-color: rgb(255, 255, 255);"><section style="padding: 10px;max-width: 100%;box-sizing: border-box;overflow-wrap: break-word !important;"><section style="max-width: 100%;clear: both;box-sizing: border-box !important;overflow-wrap: break-word !important;"></section><section style="margin-bottom: -2em;margin-left: -10px;max-width: 100%;width: 7em;float: left;box-sizing: border-box !important;overflow-wrap: break-word !important;"><section style="margin-top: -7px;max-width: 100%;box-sizing: border-box;width: 12px;height: 12px;border-radius: 100%;float: right;overflow-wrap: break-word !important;background-color: rgb(161, 164, 116);"></section><section style="padding: 10px;max-width: 100%;box-sizing: border-box;overflow-wrap: break-word !important;background-color: rgb(254, 254, 254);"><img class="" data-ratio="0.24615384615384617" data-type="png" data-w="130" data-width="100%" src="https://lymx.com.cn/source/plugin/csdn123_news/display_picture.php?url=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2F75cg7ZEsicMRLRm28JQJPawbq5rEBVJPJOIjqhW2m0SKDicPMbwpUhkN5E6x9X1kKKjtH5hXK4ceiakLAh8ladsJA%2F640%3Fwx_fmt%3Dpng" style="display: block;height: 22.6462px !important;box-sizing: border-box !important;overflow-wrap: break-word !important;visibility: visible !important;width: 92px !important;"></section><section style="margin-left: 4px;max-width: 100%;box-sizing: border-box;width: 12px;height: 12px;border-radius: 100%;float: left;overflow-wrap: break-word !important;background-color: rgb(161, 164, 116);"></section></section><section style="max-width: 100%;box-sizing: border-box;border: 1px solid rgb(161, 164, 116);border-radius: 6px;overflow-wrap: break-word !important;"><p style="padding: 2em 1em 1em 2em;max-width: 100%;box-sizing: border-box;min-height: 1em;font-size: 14px;letter-spacing: 1.5px;line-height: 1.75em;overflow-wrap: break-word !important;"><font face="微软雅黑"><strong style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="max-width: 100%; font-size: 15px; box-sizing: border-box !important; overflow-wrap: break-word !important;">案例：</span></strong><span style="max-width: 100%; font-size: 15px; box-sizing: border-box !important; overflow-wrap: break-word !important;">Z女士的儿子目前小学四年级，她计划儿子上高中，就通过投资移民将孩子送去美国，自己陪读。丈夫C先生对Z女士的想法也很支持。C先生公司的很多产品都销往美国，Z女士在美国正好可以打理一下。都知道美国不仅全球征税，而且税负很高，联邦与州赠与税、遗产税税率合并分别最高达50%以上，且要执法严格。因此，C先生与Z女士商量，移民前先进行财富保护传承规划。</span></font></p></section></section></section><p style="max-width: 100%;min-height: 1em;font-size: 16px;font-variant-ligatures: normal;orphans: 2;white-space: normal;widows: 2;letter-spacing: 0.544px;box-sizing: border-box !important;overflow-wrap: break-word !important;background-color: rgb(255, 255, 255);"><font face="微软雅黑"><br style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"></font></p><p style="margin-right: 16px;margin-left: 16px;max-width: 100%;min-height: 1em;font-size: 16px;font-variant-ligatures: normal;orphans: 2;white-space: normal;widows: 2;letter-spacing: 0.544px;line-height: 1.75em;box-sizing: border-box !important;overflow-wrap: break-word !important;background-color: rgb(255, 255, 255);"><span style="max-width: 100%; font-size: 15px; box-sizing: border-box !important; overflow-wrap: break-word !important;"><font face="微软雅黑">移民是一个家族的重要安排，无论是移民移居、移民不移居，或者是其他方式，都应考虑移民可能给家族财富及未来生活带来的影响与负担，提前进行财富保护和传承安排。</font></span></p><p style="max-width: 100%;min-height: 1em;font-size: 16px;font-variant-ligatures: normal;orphans: 2;white-space: normal;widows: 2;letter-spacing: 0.544px;box-sizing: border-box !important;overflow-wrap: break-word !important;background-color: rgb(255, 255, 255);"><font face="微软雅黑"><br style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"></font></p><p style="max-width: 100%;min-height: 1em;font-size: 16px;font-variant-ligatures: normal;orphans: 2;white-space: normal;widows: 2;letter-spacing: 0.544px;text-align: center;box-sizing: border-box !important;overflow-wrap: break-word !important;background-color: rgb(255, 255, 255);"><font face="微软雅黑"><img class="rich_pages " data-ratio="0.66625" data-s="300,640" data-type="jpeg" data-w="800" src="https://lymx.com.cn/source/plugin/csdn123_news/display_picture.php?url=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2F75cg7ZEsicMRLRm28JQJPawbq5rEBVJPJ0ypjH0MUR6yG9wjdC1m4JUglgIcEBDbOj6GokmUSFwM1SaTW31p11A%2F640%3Fwx_fmt%3Djpeg" style="box-sizing: border-box !important;overflow-wrap: break-word !important;visibility: visible !important;width: 677px !important;"></font></p><p style="max-width: 100%;min-height: 1em;font-size: 16px;font-variant-ligatures: normal;orphans: 2;white-space: normal;widows: 2;letter-spacing: 0.544px;box-sizing: border-box !important;overflow-wrap: break-word !important;background-color: rgb(255, 255, 255);"><font face="微软雅黑"><br style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"></font></p><section class="" data-tools="135编辑器" data-id="89607" data-color="#be7763" data-custom="#be7763" style="max-width: 100%;font-size: 16px;font-variant-ligatures: normal;orphans: 2;white-space: normal;widows: 2;letter-spacing: 0.544px;box-sizing: border-box !important;overflow-wrap: break-word !important;background-color: rgb(255, 255, 255);"><section style="max-width: 100%;height: 3em;line-height: 3em;text-align: center;color: rgb(255, 255, 255);box-sizing: border-box !important;overflow-wrap: break-word !important;background-color: rgb(190, 119, 99);"><p class="" data-brushtype="text" style="max-width: 100%;min-height: 1em;color: rgb(254, 254, 254);font-weight: bold;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="max-width: 100%; font-size: 15px; box-sizing: border-box !important; overflow-wrap: break-word !important;"><font face="微软雅黑">节点五：政策变化</font></span></p><img class="" data-ratio="0.8854166666666666" data-type="png" data-w="96" src="https://lymx.com.cn/source/plugin/csdn123_news/display_picture.php?url=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2F75cg7ZEsicMRLRm28JQJPawbq5rEBVJPJtaKQ6zflc7S0Z9Q3ibhagOUtibnNdkgBmjANZwiaQDXibicSzkyt90qu3Ug%2F640%3Fwx_fmt%3Dpng" style="margin-top: -2.5em;margin-right: -0.2em;float: right;box-sizing: border-box !important;overflow-wrap: break-word !important;visibility: visible !important;width: 3em !important;"></section></section><p style="max-width: 100%;min-height: 1em;font-size: 16px;font-variant-ligatures: normal;orphans: 2;white-space: normal;widows: 2;letter-spacing: 0.544px;box-sizing: border-box !important;overflow-wrap: break-word !important;background-color: rgb(255, 255, 255);"><font face="微软雅黑"><br style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"></font></p><p style="margin-right: 16px;margin-left: 16px;max-width: 100%;min-height: 1em;font-size: 16px;font-variant-ligatures: normal;orphans: 2;white-space: normal;widows: 2;letter-spacing: 0.544px;line-height: 1.75em;box-sizing: border-box !important;overflow-wrap: break-word !important;background-color: rgb(255, 255, 255);"><span style="max-width: 100%; font-size: 15px; box-sizing: border-box !important; overflow-wrap: break-word !important;"><font face="微软雅黑">这几年政策变化比较频繁，如CRS、金税三期、企业所得税与个人所得税法修改等，这些变化趋势的规律是更透明、更规范、更严格，自由的空间越来越小。根据政策变化，适时调整财富保护传承方案，既要合规，又要能合理降低成本，以适应新的要求。</font></span></p><p style="max-width: 100%;min-height: 1em;font-size: 16px;font-variant-ligatures: normal;orphans: 2;white-space: normal;widows: 2;letter-spacing: 0.544px;box-sizing: border-box !important;overflow-wrap: break-word !important;background-color: rgb(255, 255, 255);"><font face="微软雅黑"><br style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"></font></p><section class="" data-tools="135编辑器" data-id="94007" style="max-width: 100%;font-size: 16px;font-variant-ligatures: normal;orphans: 2;white-space: normal;widows: 2;letter-spacing: 0.544px;box-sizing: border-box !important;overflow-wrap: break-word !important;background-color: rgb(255, 255, 255);"><section style="padding: 10px;max-width: 100%;box-sizing: border-box;overflow-wrap: break-word !important;"><section style="max-width: 100%;clear: both;box-sizing: border-box !important;overflow-wrap: break-word !important;"></section><section style="margin-bottom: -2em;margin-left: -10px;max-width: 100%;width: 7em;float: left;box-sizing: border-box !important;overflow-wrap: break-word !important;"><section style="margin-top: -7px;max-width: 100%;box-sizing: border-box;width: 12px;height: 12px;border-radius: 100%;float: right;overflow-wrap: break-word !important;background-color: rgb(161, 164, 116);"></section><section style="padding: 10px;max-width: 100%;box-sizing: border-box;overflow-wrap: break-word !important;background-color: rgb(254, 254, 254);"><img class="" data-ratio="0.24615384615384617" data-type="png" data-w="130" data-width="100%" src="https://lymx.com.cn/source/plugin/csdn123_news/display_picture.php?url=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2F75cg7ZEsicMRLRm28JQJPawbq5rEBVJPJOIjqhW2m0SKDicPMbwpUhkN5E6x9X1kKKjtH5hXK4ceiakLAh8ladsJA%2F640%3Fwx_fmt%3Dpng" style="display: block;box-sizing: border-box !important;overflow-wrap: break-word !important;visibility: visible !important;width: 92px !important;"></section><section style="margin-left: 4px;max-width: 100%;box-sizing: border-box;width: 12px;height: 12px;border-radius: 100%;float: left;overflow-wrap: break-word !important;background-color: rgb(161, 164, 116);"></section></section><section style="max-width: 100%;box-sizing: border-box;border: 1px solid rgb(161, 164, 116);border-radius: 6px;overflow-wrap: break-word !important;"><p style="padding: 2em 1em 1em 2em;max-width: 100%;box-sizing: border-box;min-height: 1em;font-size: 14px;letter-spacing: 1.5px;line-height: 1.75em;overflow-wrap: break-word !important;"><font face="微软雅黑"><strong style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="max-width: 100%; font-size: 15px; box-sizing: border-box !important; overflow-wrap: break-word !important;">案例：</span></strong><span style="max-width: 100%; font-size: 15px; box-sizing: border-box !important; overflow-wrap: break-word !important;">客户H先生来自西部，其持有的汽车配件公司是当地的龙头企业，对当地的税收和就业均有较大贡献。作为私营企业，H先生的公司在管理上比较混乱，体外循环金额较大。金税三期上马后，H先生知道之前的很多做法必须要进行调整，但调整以后导致的成本大幅增加如何消化，是个问题。H先生早年在海外还成立了一家离岸公司，作为境外贸易的中间平台，留存了不少利润，按照新税法规定，H先生的离岸公司分红及未分配利润都可能要向国内报税，这是否要进行税务合规与优化？是否要搭建海外家族信托？是否要进行国籍身份调整？如此种种，都是H先生正在考虑的问题。</span></font></p></section></section></section><p style="max-width: 100%;min-height: 1em;font-size: 16px;font-variant-ligatures: normal;orphans: 2;white-space: normal;widows: 2;letter-spacing: 0.544px;box-sizing: border-box !important;overflow-wrap: break-word !important;background-color: rgb(255, 255, 255);"><font face="微软雅黑"><br style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"></font></p><p style="margin-right: 16px;margin-left: 16px;max-width: 100%;min-height: 1em;font-size: 16px;font-variant-ligatures: normal;orphans: 2;white-space: normal;widows: 2;letter-spacing: 0.544px;line-height: 1.75em;box-sizing: border-box !important;overflow-wrap: break-word !important;background-color: rgb(255, 255, 255);"><span style="max-width: 100%; font-size: 15px; box-sizing: border-box !important; overflow-wrap: break-word !important;"><font face="微软雅黑">有句话说得很有道理，世界万物唯一不变的就是变化，国家政策也是如此。应对政策变化的唯一方法就是顺势而为，因此，政策变化已经成为财富保护传承规划的一个时间节点。</font></span></p><p style="max-width: 100%;min-height: 1em;font-size: 16px;font-variant-ligatures: normal;orphans: 2;white-space: normal;widows: 2;letter-spacing: 0.544px;box-sizing: border-box !important;overflow-wrap: break-word !important;background-color: rgb(255, 255, 255);"><font face="微软雅黑"><br style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"></font></p><section class="" data-tools="135编辑器" data-id="89607" data-color="#be7763" data-custom="#be7763" style="max-width: 100%;font-size: 16px;font-variant-ligatures: normal;orphans: 2;white-space: normal;widows: 2;letter-spacing: 0.544px;box-sizing: border-box !important;overflow-wrap: break-word !important;background-color: rgb(255, 255, 255);"><section style="max-width: 100%;height: 3em;line-height: 3em;text-align: center;color: rgb(255, 255, 255);box-sizing: border-box !important;overflow-wrap: break-word !important;background-color: rgb(190, 119, 99);"><p class="" data-brushtype="text" style="max-width: 100%;min-height: 1em;color: rgb(254, 254, 254);font-weight: bold;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="max-width: 100%; font-size: 15px; box-sizing: border-box !important; overflow-wrap: break-word !important;"><font face="微软雅黑">节点六：年迈之时</font></span></p><img class="" data-ratio="0.8854166666666666" data-type="png" data-w="96" src="https://lymx.com.cn/source/plugin/csdn123_news/display_picture.php?url=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2F75cg7ZEsicMRLRm28JQJPawbq5rEBVJPJtaKQ6zflc7S0Z9Q3ibhagOUtibnNdkgBmjANZwiaQDXibicSzkyt90qu3Ug%2F640%3Fwx_fmt%3Dpng" style="margin-top: -2.5em;margin-right: -0.2em;float: right;box-sizing: border-box !important;overflow-wrap: break-word !important;visibility: visible !important;width: 3em !important;"></section></section><p style="max-width: 100%;min-height: 1em;font-size: 16px;font-variant-ligatures: normal;orphans: 2;white-space: normal;widows: 2;letter-spacing: 0.544px;box-sizing: border-box !important;overflow-wrap: break-word !important;background-color: rgb(255, 255, 255);"><font face="微软雅黑"><br style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"></font></p><p style="margin-right: 16px;margin-left: 16px;max-width: 100%;min-height: 1em;font-size: 16px;font-variant-ligatures: normal;orphans: 2;white-space: normal;widows: 2;letter-spacing: 0.544px;line-height: 1.75em;box-sizing: border-box !important;overflow-wrap: break-word !important;background-color: rgb(255, 255, 255);"><span style="max-width: 100%; font-size: 15px; box-sizing: border-box !important; overflow-wrap: break-word !important;"><font face="微软雅黑">所谓岁月不由人，随着年岁渐长，精力和体力都会大不如前，因此，年迈一族常常是家族传承规划的主力军。</font></span></p><p style="max-width: 100%;min-height: 1em;font-size: 16px;font-variant-ligatures: normal;orphans: 2;white-space: normal;widows: 2;letter-spacing: 0.544px;box-sizing: border-box !important;overflow-wrap: break-word !important;background-color: rgb(255, 255, 255);"><font face="微软雅黑"><br style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"></font></p><section class="" data-tools="135编辑器" data-id="94007" style="max-width: 100%;font-size: 16px;font-variant-ligatures: normal;orphans: 2;white-space: normal;widows: 2;letter-spacing: 0.544px;box-sizing: border-box !important;overflow-wrap: break-word !important;background-color: rgb(255, 255, 255);"><section style="padding: 10px;max-width: 100%;box-sizing: border-box;overflow-wrap: break-word !important;"><section style="max-width: 100%;clear: both;box-sizing: border-box !important;overflow-wrap: break-word !important;"></section><section style="margin-bottom: -2em;margin-left: -10px;max-width: 100%;width: 7em;float: left;box-sizing: border-box !important;overflow-wrap: break-word !important;"><section style="margin-top: -7px;max-width: 100%;box-sizing: border-box;width: 12px;height: 12px;border-radius: 100%;float: right;overflow-wrap: break-word !important;background-color: rgb(161, 164, 116);"></section><section style="padding: 10px;max-width: 100%;box-sizing: border-box;overflow-wrap: break-word !important;background-color: rgb(254, 254, 254);"><img class="" data-ratio="0.24615384615384617" data-type="png" data-w="130" data-width="100%" src="https://lymx.com.cn/source/plugin/csdn123_news/display_picture.php?url=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2F75cg7ZEsicMRLRm28JQJPawbq5rEBVJPJOIjqhW2m0SKDicPMbwpUhkN5E6x9X1kKKjtH5hXK4ceiakLAh8ladsJA%2F640%3Fwx_fmt%3Dpng" style="display: block;height: 22.6462px !important;box-sizing: border-box !important;overflow-wrap: break-word !important;visibility: visible !important;width: 92px !important;"></section><section style="margin-left: 4px;max-width: 100%;box-sizing: border-box;width: 12px;height: 12px;border-radius: 100%;float: left;overflow-wrap: break-word !important;background-color: rgb(161, 164, 116);"></section></section><section style="max-width: 100%;box-sizing: border-box;border: 1px solid rgb(161, 164, 116);border-radius: 6px;overflow-wrap: break-word !important;"><p style="padding: 2em 1em 1em 2em;max-width: 100%;box-sizing: border-box;min-height: 1em;font-size: 14px;letter-spacing: 1.5px;line-height: 1.75em;overflow-wrap: break-word !important;"><font face="微软雅黑"><strong style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="max-width: 100%; font-size: 15px; box-sizing: border-box !important; overflow-wrap: break-word !important;">案例：</span></strong><span style="max-width: 100%; font-size: 15px; box-sizing: border-box !important; overflow-wrap: break-word !important;">笔者服务过的最年长客户K先生已经九十二岁，喜欢称笔者为小友，耳聪目明，除腿脚不太好外，其他健康状况良好。K先生四代同堂，子孙都很优秀，他对具体的事情已经很少过问。K先生每个子女都拥有不菲的资产，但家族的主要资产仍然由他自己统一控制。K先生不想自己百年后子孙因为财产继承而影响家族团结，也希望能够给子孙们留一份共同的集体资产，以及一个更长远的多代传承安排，所以除了遗嘱与家族信托外，他还希望有家族传承基金及家族委员会的设计。</span></font></p></section></section></section><p style="max-width: 100%;min-height: 1em;font-size: 16px;font-variant-ligatures: normal;orphans: 2;white-space: normal;widows: 2;letter-spacing: 0.544px;box-sizing: border-box !important;overflow-wrap: break-word !important;background-color: rgb(255, 255, 255);"><font face="微软雅黑"><br style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"></font></p><p style="margin-right: 16px;margin-left: 16px;max-width: 100%;min-height: 1em;font-size: 16px;font-variant-ligatures: normal;orphans: 2;white-space: normal;widows: 2;letter-spacing: 0.544px;line-height: 1.75em;box-sizing: border-box !important;overflow-wrap: break-word !important;background-color: rgb(255, 255, 255);"><span style="max-width: 100%; font-size: 15px; box-sizing: border-box !important; overflow-wrap: break-word !important;"><font face="微软雅黑">人总会变老，在生前对身后财富做出合理的安排与控制，彰显了人生智慧与家族责任。因此，年迈之时是家族财富传承安排的最紧迫节点。</font></span></p><p style="max-width: 100%;min-height: 1em;font-size: 16px;font-variant-ligatures: normal;orphans: 2;white-space: normal;widows: 2;letter-spacing: 0.544px;box-sizing: border-box !important;overflow-wrap: break-word !important;background-color: rgb(255, 255, 255);"><font face="微软雅黑"><br style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"></font></p><p style="max-width: 100%;min-height: 1em;font-size: 16px;font-variant-ligatures: normal;orphans: 2;white-space: normal;widows: 2;letter-spacing: 0.544px;text-align: center;box-sizing: border-box !important;overflow-wrap: break-word !important;background-color: rgb(255, 255, 255);"><font face="微软雅黑"><img class="rich_pages " data-ratio="0.66625" data-s="300,640" data-type="jpeg" data-w="800" src="https://lymx.com.cn/source/plugin/csdn123_news/display_picture.php?url=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2F75cg7ZEsicMRLRm28JQJPawbq5rEBVJPJyIZQCevFA9IibsUHs9caYJuuKBR8IG3vcaicumW4DkvibbYJaumKUnxjg%2F640%3Fwx_fmt%3Djpeg" style="box-sizing: border-box !important;overflow-wrap: break-word !important;visibility: visible !important;width: 677px !important;"></font></p><p style="max-width: 100%;min-height: 1em;font-size: 16px;font-variant-ligatures: normal;orphans: 2;white-space: normal;widows: 2;letter-spacing: 0.544px;box-sizing: border-box !important;overflow-wrap: break-word !important;background-color: rgb(255, 255, 255);"><font face="微软雅黑"><br style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"></font></p><p style="margin-right: 16px;margin-left: 16px;max-width: 100%;min-height: 1em;font-size: 16px;font-variant-ligatures: normal;orphans: 2;white-space: normal;widows: 2;letter-spacing: 0.544px;line-height: 1.75em;box-sizing: border-box !important;overflow-wrap: break-word !important;background-color: rgb(255, 255, 255);"><span style="max-width: 100%; font-size: 15px; box-sizing: border-box !important; overflow-wrap: break-word !important;"><font face="微软雅黑">写到这里时，突然收到一个噩耗，笔者南昌同事杨律师，上午参加三小时篮球训练，下午在足球队踢球，突发心梗脑梗导致猝死，年仅三十四岁。</font></span></p><p style="max-width: 100%;min-height: 1em;font-size: 16px;font-variant-ligatures: normal;orphans: 2;white-space: normal;widows: 2;letter-spacing: 0.544px;box-sizing: border-box !important;overflow-wrap: break-word !important;background-color: rgb(255, 255, 255);"><font face="微软雅黑"><br style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"></font></p><p style="margin-right: 16px;margin-left: 16px;max-width: 100%;min-height: 1em;font-size: 16px;font-variant-ligatures: normal;orphans: 2;white-space: normal;widows: 2;letter-spacing: 0.544px;line-height: 1.75em;box-sizing: border-box !important;overflow-wrap: break-word !important;background-color: rgb(255, 255, 255);"><span style="max-width: 100%; font-size: 15px; box-sizing: border-box !important; overflow-wrap: break-word !important;"><font face="微软雅黑">在惋惜杨律师英年早逝的同时，突然意识到未来的很多变故是没有任何征兆的，上述所提的六大常见家族财富保护传承安排时间节点，都是在可预见风险快要出现时的理性安排，但现实中上天往往不会给我们这个机会和足够的时间，而在错失之后，影响的就是自己、家人、甚至整个家族未来的安定幸福，以及多代人的发展轨迹。</font></span></p><p style="max-width: 100%;min-height: 1em;font-size: 16px;font-variant-ligatures: normal;orphans: 2;white-space: normal;widows: 2;letter-spacing: 0.544px;box-sizing: border-box !important;overflow-wrap: break-word !important;background-color: rgb(255, 255, 255);"><font face="微软雅黑"><br style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"></font></p><p style="margin-right: 16px;margin-left: 16px;max-width: 100%;min-height: 1em;font-size: 16px;font-variant-ligatures: normal;orphans: 2;white-space: normal;widows: 2;letter-spacing: 0.544px;line-height: 1.75em;box-sizing: border-box !important;overflow-wrap: break-word !important;background-color: rgb(255, 255, 255);"><span style="max-width: 100%; font-size: 15px; box-sizing: border-box !important; overflow-wrap: break-word !important;"><font face="微软雅黑">月有阴睛圆缺，人有旦夕祸福，我们永远不知道明天一定会发生什么。我们能做的就是马上安排，立即行动，现在就是家族财富传承安排的最佳时机！</font></span></p>
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