Patrimonial architecture from the heart of Europe.

Designing coherent patrimonies across borders & generations.

For families whose patrimony has become too important, too complex, too international or too personal for standard advice.

Your patrimony is not a file. It is a living ecosystem of people, assets, decisions, jurisdictions and intentions.

As families grow, move forward in life, live across borders, invest, transmit or reorganise, that system can become fragile over time. What was once clear may no longer hold. What was once efficient may no longer be coherent. What was once understood by one generation may no longer serve the next.

Yours starts with you and yours.
Before structures. Before jurisdictions. Before solutions.

We design patrimonial architectures that bring private, professional and family realities into one coherent whole – so intentions remain clear, decisions remain under control, and patrimony remains resilient as individual lives evolve and rules change.

For families, entrepreneurs and investors who want to hold, organise or transfer assets and investments through the right long-term structure.

How assets are held can matter as much as how they are invested.

In the right circumstances, a tailored life-insurance structure can create a more efficient framework around selected assets or investment portfolios. Not as insurance in the traditional sense. But as a long-term legal and fiscal wrapper, designed around the assets, people and jurisdictions involved.

It can help reduce fiscal friction on securities accounts, stock-exchange transactions, dividends and interests. It can defer the taxation of capital gains until money is withdrawn. It can simplify reporting in an increasingly complex tax environment. And it can prepare for future transmission to the right beneficiaries, under the right conditions.

But the value is never in the wrapper alone.

The value is in knowing whether it should be used, how it should be structured, and how to keep it coherent over time and across borders. That requires expertise most standard brokers, insurers or investment advisors are not built to provide.

Yours brings life insurance structuring back into the wider patrimonial architecture. We assess your assets, fiscal reality, family context, country of residence, beneficiaries and long-term intentions before determining whether such a structure is appropriate.

If it is, we select the right insurance partner, structure the contract, organise the assets within it, and monitor its coherence over time. So your assets are not simply placed inside an insurance policy. They are structured with intent.

Guiding owners through decisive changes in ownership, financing or control, while keeping their patrimonial architecture coherent.

For shareholders, families and asset owners facing a decisive transition around a company, participation or strategic asset, where the transaction is only one part of what must be protected.

Changing the ownership, financing or control of a company, participation or strategic asset is never just a transaction. It is a turning point.

For the owner. For the family. For the patrimony. Often, for the company and its people too.

Around you, every expert has a role. The bank looks at the deal. The lawyers look at the contracts. The auditors look at the numbers. But who looks at what the transition will mean for you – before, while and after it happens?

What exactly is being sold, retained, refinanced or reorganised?

Where will the proceeds or financing flows land?

Is the right holding structure already in place?

What must be reorganised before closing?

What remains after the transaction?

How will the patrimony continue?

And how can the transition happen without unnecessary friction for the people and structures around it?

Yours guides shareholders and owners through decisive ownership events with one clear purpose: to make sure the transaction fits the wider patrimonial architecture.

Your patrimony deserves a tailored approach.

We know that every situation is unique. Our starting point is your family’s human and patrimonial reality. This is why, whatever your needs, we always provide tailored analysis, in step with changing lives and regulations.

Whether recently acquired or handed down through the generations, your family patrimony is precious and unique. As such, they deserve in-depth analysis, conducted by independent experts, along with impartial advice formulated for your sole interest.

We analyse your overall financial situation and offer personalised recommendations on:

• structuring your wealth
• legal and fiscal organisation
• transfers and inheritance
• performance analysis of securities portfolios
• on request – generic advice on the strategic allocation of wealth

We also walk you through the implementation of our recommendations. We are always by your side, even if your context or circumstances change, helping you adapt your strategy to these changes. Our commitment is to see your project through to the end.

Accreditation

Yours Advisory SRL is a broker in banking and investment services in Belgium (under the law of 22 March 2006 on intermediation in banking and investment services and the distribution of financial instruments).

International dimension

The management of your private patrimony, professional activities or homes of family members may all carry an international aspect.

Thanks to our international network of experts, we have the competencies required to assess the legal and fiscal situation of the totality of your patrimony and that of your family. We formulate recommendations based on analysis that is both local and global, taking into account your entire family and patrimonial situation.

What can we do for you?

We can conduct a global analysis of your circumstances or analyse specific issues to help you make the best decisions. Here are a few examples of situations where our guidance may prove helpful:

• Consolidation and analysis of the performance of your portfolios
• General advice on asset allocation
• Succession planning
• Gifts of personal property and real estate
• Transfer of family businesses
• Assessment of the civil and tax implications upon your passing
• Structuring your local and/or international patrimony
• Acquisitions of real estate
• Life insurance
• Marriages, divorces and children in an international context
• International structuring of your personal property
• Property and tax implications of a family member’s change of residence
• Restructuring and simplifying ownership structures (when transferring a registered office or merging companies)