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Strategic Wealth Transfer Planning

Preserve your legacy and ensure the seamless transfer of wealth to future generations with our comprehensive estate planning solutions.

Preserving Wealth Across Generations

At Lachaise Investment Fund, we understand that transferring wealth is about more than just assets—it's about preserving values, protecting legacies, and securing the future for your loved ones.

Asset Protection

Shield your wealth from unnecessary taxes, creditors, and legal challenges.

Tax Efficiency

Strategies to minimize estate, inheritance, and gift taxes across jurisdictions.

Family Harmony

Structured plans to prevent disputes and ensure fair distribution of assets.

Global Expertise

Cross-border solutions for international families with assets in multiple countries.

Comprehensive Wealth Transfer Strategies

Our tailored approaches ensure your wealth is transferred according to your wishes while optimizing for tax efficiency and family harmony.

Trust Structures

Establish revocable and irrevocable trusts to protect assets, reduce estate taxes, and control distributions to beneficiaries.

  • Revocable Living Trusts
  • Irrevocable Life Insurance Trusts (ILIT)
  • Charitable Remainder Trusts
  • Generation-Skipping Trusts

Gifting Strategies

Leverage annual gift exclusions and lifetime exemptions to transfer wealth tax-efficiently during your lifetime.

  • Annual Exclusion Gifts
  • 529 Education Plans
  • Direct Payments for Medical/Education
  • Family Limited Partnerships

Philanthropic Planning

Incorporate charitable giving into your estate plan to support causes you care about while receiving tax benefits.

  • Donor-Advised Funds
  • Private Foundations
  • Charitable Lead Trusts
  • Bequests in Wills

International Solutions

Specialized strategies for families with cross-border assets and beneficiaries in multiple countries.

  • Offshore Trusts
  • Dual-Will Structures
  • Treaty Planning
  • Foreign Grantor Trusts

Succession Planning

Prepare the next generation to responsibly manage inherited wealth and family enterprises.

  • Family Governance Structures
  • Financial Education Programs
  • Mentorship & Advisory Roles
  • Business Transition Planning

Legal Documentation

Comprehensive preparation and review of essential estate planning documents.

  • Wills & Codicils
  • Powers of Attorney
  • Healthcare Directives
  • Beneficiary Designations

Inheritance Tax Estimator

Use our interactive calculator to estimate potential tax liabilities for your heirs based on current regulations in Panama, Portugal, and other jurisdictions.

$500,000 $2,500,000 $10,000,000

Estimated Tax: $187,500

Based on Panama inheritance tax regulations

Understanding Inheritance Taxes

Panama does not impose inheritance tax on transfers to spouses or direct descendants. However:

  • Transfers to siblings are taxed at 10%
  • Transfers to other relatives are taxed at 15%
  • Transfers to non-relatives are taxed at 25%

All assets located within Panama are subject to these rules. Proper planning can significantly reduce these liabilities.

Portugal abolished inheritance tax for most beneficiaries in 2004, but stamp duty may apply:

  • Spouses and direct descendants: 0.8% stamp duty
  • Other beneficiaries: 10% stamp duty

Real estate transfers may be subject to municipal property transfer taxes.

For families with international connections, multiple tax jurisdictions may apply:

  • Residence of the deceased
  • Location of assets
  • Residence of beneficiaries
  • Applicable tax treaties

Our experts navigate these complexities to develop tax-efficient international wealth transfer plans.

Tax Mitigation Strategies

Lifetime Gifting

Reduce your taxable estate by making strategic gifts during your lifetime.

Trust Structuring

Establish trusts in favorable jurisdictions to protect assets and minimize taxes.

Insurance Solutions

Use life insurance to provide liquidity for estate taxes and equalize inheritances.

Our Wealth Transfer Planning Process

A structured approach to ensure comprehensive and customized legacy planning.

1

Discovery & Assessment

Comprehensive review of your assets, family structure, values, and objectives.

2

Strategy Development

Customized plan integrating legal, tax, and financial transfer strategies.

3

Implementation

Coordination with your legal team to establish trusts and execute documents.

4

Family Education

Preparing beneficiaries through financial literacy and values-based workshops.

5

Ongoing Review

Annual reviews to adapt to life changes, tax law updates, and family dynamics.

6

Legacy Activation

Supporting the transition and implementation of your legacy plan.

Client Success Stories

Hear from families who have successfully transferred wealth across generations with our guidance.

Roberto M.
Business Owner, Panama

"Lachaise helped our family establish a trust structure that protected our business assets while ensuring fair distribution to our children. Their cross-border expertise was invaluable."

Isabella R.
Retired Executive, Lisbon

"The team at Lachaise transformed our complex international estate into a streamlined, tax-efficient plan. Their attention to detail and family communication approach prevented potential conflicts."

Carlos & Elena D.
Real Estate Investors, Porto

"We avoided €1.2M in potential taxes thanks to Lachaise's innovative planning. Their ongoing review process ensures our plan adapts as laws and family circumstances change."

Ready to Secure Your Legacy?

Schedule a confidential consultation with our wealth transfer specialists to create a customized plan for your family.

Wealth Transfer FAQs

Answers to common questions about estate planning and wealth transfer.

The optimal time to begin is as soon as you have significant assets or family responsibilities. However, it's never too late to start. We recommend reviewing your plan every 3-5 years or after major life events (marriage, birth, inheritance, relocation).

Panama offers several advantages for wealth transfer planning:

  • No inheritance tax for transfers to spouses and direct descendants
  • Strong asset protection laws for trusts
  • Foundation structures for business succession
  • Confidentiality in estate administration

However, proper structuring is essential to maximize these benefits.

International families require specialized planning. We develop solutions that consider:

  • Residence and citizenship of beneficiaries
  • Location of assets
  • Applicable tax treaties
  • Currency considerations
  • Cross-border legal structures

Our team has extensive experience with multi-jurisdictional families.

Business succession requires specialized planning:

  1. Identify potential successors early
  2. Establish clear governance structures
  3. Create buy-sell agreements
  4. Develop transition timelines
  5. Implement training programs
  6. Structure ownership transfers tax-efficiently

We work with business owners to develop comprehensive transition plans.

Costs vary based on complexity:

  • Basic plan for straightforward situations: $3,500-$7,000
  • Comprehensive planning for significant estates: $10,000-$25,000
  • Complex international structures: $25,000+

Fees typically include:

  • Initial consultation and assessment
  • Strategy development
  • Coordination with legal counsel
  • Implementation oversight
  • First-year review

Most clients find the tax savings and family harmony benefits far outweigh the costs.