{"id":49678,"date":"2025-10-27T09:22:46","date_gmt":"2025-10-27T13:22:46","guid":{"rendered":"https:\/\/ivari.ca\/?post_type=good_reads&#038;p=49678"},"modified":"2025-10-27T09:26:08","modified_gmt":"2025-10-27T13:26:08","slug":"planifier-sa-succession-quand-sy-mettre-et-comment-proceder","status":"publish","type":"good_reads","link":"https:\/\/ivari.ca\/fr\/ressources\/faq\/bonnes-lectures\/planifier-sa-succession-quand-sy-mettre-et-comment-proceder\/","title":{"rendered":"Planifier sa succession : quand s\u2019y mettre et comment proc\u00e9der!"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row css=\u00a0\u00bb.vc_custom_1633110907975{background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}\u00a0\u00bb el_id=\u00a0\u00bbpost-banner\u00a0\u00bb][vc_column][vc_row_inner content_placement=\u00a0\u00bbbottom\u00a0\u00bb css=\u00a0\u00bb.vc_custom_1761571475508{background-image: url(https:\/\/ivari.ca\/files\/i-told-you-hes-the-best-at-this-shot-of-a-group-o-2025-04-06-07-42-59-utc-copy-2-scaled.jpg?id=49680) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}\u00a0\u00bb el_class=\u00a0\u00bbpost-banner\u00a0\u00bb][vc_column_inner el_class=\u00a0\u00bbimage-row-text-column\u00a0\u00bb width=\u00a0\u00bb2\/5&Prime;][vc_column_text css=\u00a0\u00bb\u00a0\u00bb]<\/p>\n<h1>\t\t\t<span id=\"typedjs4\" class=\"animated-typed-js-shortcode \"><\/span>\n\t\t\t<script>\n\t\t\tvar typedjs4 = new Typed('#typedjs4', {\n\t\t\t\tstrings: [\"Planifier sa succession : quand s\\u2019y mettre et comment proc\\u00e9der!\"],\n\t\t\t\ttypeSpeed: 80,\n\t\t\t\tbackSpeed: 50,\n\t\t\t\tbackDelay: 500,\n\t\t\t\tstartDelay: 1000,\n\t\t\t\tloop: false,\n\t\t\t\tloopCount: 0,\n\t\t\t\tfadeOut: false,\n\t\t\t\tfadeOutDelay: 500,\n\t\t\t\tsmartBackspace: true,\n\t\t\t\tshuffle: false,\n\t\t\t\tshowCursor: true,\n\t\t\t\tcursorChar: \"|\"\n\t\t\t});\n\t\t\t<\/script>\n\n\t\t<\/h1>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=\u00a0\u00bb3\/5&Prime;][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row el_id=\u00a0\u00bbpage-subheader\u00a0\u00bb][vc_column][vc_column_text css=\u00a0\u00bb\u00a0\u00bb]Voyons d\u2019abord les notions essentielles : qu\u2019entend-on par planification successorale? En bref, il s\u2019agit de d\u00e9terminer comment vos biens seront distribu\u00e9s apr\u00e8s votre d\u00e9c\u00e8s.[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text css=\u00a0\u00bb\u00a0\u00bb]M\u00eame si le mot \u00ab\u00a0succession\u00a0\u00bb peut sembler imposant, surtout pour un citoyen poss\u00e9dant un modeste compte bancaire et une petite maison familiale, il englobe en r\u00e9alit\u00e9 <em>l\u2019ensemble des actifs<\/em>\u00a0: comptes bancaires, biens immobiliers, placements et effets personnels, quelle que soit leur valeur et leur nombre. Si vous souhaitez d\u00e9cider du sort de vos biens apr\u00e8s votre d\u00e9c\u00e8s, il est judicieux de mettre en place un plan successoral comprenant ses divers \u00e9l\u00e9ments.<\/p>\n<h2>Quel est le moment id\u00e9al pour commencer \u00e0 planifier?<\/h2>\n<p>Puisque la planification successorale vise \u00e0 bien r\u00e9partir vos biens apr\u00e8s votre d\u00e9c\u00e8s, il est recommand\u00e9 d\u2019y songer d\u00e8s que vous prenez possession d\u2019actifs \u00e0 transmettre. Que ce soit un compte bancaire, des placements, un CELI ou m\u00eame des biens courants comme une voiture ou une collection numismatique, il est judicieux de pr\u00e9voir leur destination, afin qu\u2019ils soient attribu\u00e9s conform\u00e9ment \u00e0 vos souhaits. Certains amorcent le processus \u00e0 l\u2019occasion d\u2019\u00e9v\u00e8nements marquants, tels qu\u2019un mariage, la naissance d\u2019un enfant ou l\u2019acquisition d\u2019une propri\u00e9t\u00e9.<\/p>\n<h2>Quels sont les \u00e9l\u00e9ments cl\u00e9s d\u2019un plan successoral?<\/h2>\n<p>Vous pouvez vous pr\u00e9valoir d\u2019une vari\u00e9t\u00e9 d\u2019outils pour planifier votre succession. Les deux plus courants sont\u00a0:<\/p>\n<ul>\n<li>Le testament\u00a0: Ce document garantit que vos biens seront r\u00e9partis conform\u00e9ment \u00e0 vos volont\u00e9s.<\/li>\n<li>La police d\u2019assurance vie\u00a0: Elle assure un soutien financier \u00e0 vos proches apr\u00e8s votre d\u00e9c\u00e8s.<\/li>\n<\/ul>\n<p>Selon votre situation, le capital-d\u00e9c\u00e8s d\u2019une police d\u2019assurance vie peut servir, par exemple, \u00e0 financer les \u00e9tudes postsecondaires de vos enfants ou \u00e0 offrir une retraite confortable \u00e0 votre conjoint survivant.<\/p>\n<h2>Que se passe-t-il si vous n\u2019avez pas de plan successoral?<\/h2>\n<p>Sans plan successoral, la r\u00e9partition de vos biens sera d\u00e9termin\u00e9e par le tribunal, conform\u00e9ment aux lois en vigueur dans votre lieu de r\u00e9sidence. Ce processus ne tient pas compte de vos volont\u00e9s, mais applique plut\u00f4t des crit\u00e8res \u00ab\u00a0juridiques\u00a0\u00bb privil\u00e9giant certaines personnes, comme un conjoint ou un enfant, et ce, sans tenir compte de la nature r\u00e9elle de vos rapports.<\/p>\n<p>En \u00e9tablissant un plan successoral, <strong>vous<\/strong> gardez le contr\u00f4le. Un plan bien con\u00e7u, incluant notamment un testament et une assurance vie, garantit que vos biens durement gagn\u00e9s iront l\u00e0 o\u00f9 <em>vous<\/em> le souhaitez, plut\u00f4t que d\u2019\u00eatre distribu\u00e9s selon la d\u00e9termination d\u2019un tribunal.<\/p>\n<p>Un conseiller en assurance vie peut \u00e9galement vous diriger vers des professionnels habilit\u00e9s \u00e0 \u00e9laborer un plan successoral align\u00e9 sur vos besoins et vos souhaits.[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p> Voyons d\u2019abord les notions essentielles : qu\u2019entend-on par planification successorale? En bref, il s\u2019agit de d\u00e9terminer comment vos biens seront distribu\u00e9s apr\u00e8s votre d\u00e9c\u00e8s.[vc_column_text&#8230;<\/p>\n","protected":false},"featured_media":49680,"template":"","meta":{"_acf_changed":false,"_searchwp_excluded":""},"social_share":[],"good_reads_categories":[478,476],"class_list":["post-49678","good_reads","type-good_reads","status-publish","has-post-thumbnail","hentry","good_reads_categories-assurance-vie","good_reads_categories-finance-et-epargne-personnelles"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Planifier sa succession : quand s\u2019y mettre et comment proc\u00e9der! - ivari<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ivari.ca\/fr\/ressources\/faq\/bonnes-lectures\/planifier-sa-succession-quand-sy-mettre-et-comment-proceder\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Planifier sa succession : quand s\u2019y mettre et comment proc\u00e9der! - ivari\" \/>\n<meta property=\"og:description\" content=\"Voyons d\u2019abord les notions essentielles : qu\u2019entend-on par planification successorale? 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