Over the years, your financial and personal situation can change significantly. Your wealth may grow, your family may evolve, your career may take a new direction or you may start planning an important project.
You may want to:
Each of these decisions involves financial, family, professional, tax and inheritance considerations. Wealth planning brings these different elements together and aligns them with your personal objectives. Even if your situation does not seem particularly complex, having a clear overview is important. After all, choosing not to decide is often a decision in itself.
"},"title":"Wealth planning starts with the bigger picture"},{"componentType":"paragraph","richBody":{"value":"A clear overview is one of the most underestimated sources of peace of mind.
Transferring wealth is about more than tax or inheritance law.
Those who receive your wealth also need to understand the decisions that shaped it and the intentions behind them.
That is why it is important to start the conversation early. It gives you the opportunity to explain your objectives and gradually involve the generations concerned in your decisions.
The distinction between equal and equitable distribution also deserves careful consideration. When personal circumstances differ, a strictly equal distribution may not always feel like the fairest solution. Conversely, well-intentioned decisions can lead to misunderstandings when they have never been explained.
A successful wealth transfer therefore depends on both careful preparation within the family and appropriate legal solutions.
"},"title":"Passing on more than wealth"},{"componentType":"paragraph","richBody":{"value":"Transparency is one of the best safeguards against mistrust, including within families.
Income, investments, property, professional activities, family protection, taxation and your estate are closely interconnected.
A decision in one area can have consequences for the others.
That is why ING Private Banking & Wealth Management considers your situation as a whole. Together with your Private Banker, our wealth planning specialists connect your expectations, family plans, wealth transfer objectives and available resources.
Financial planning helps translate these questions into concrete projections. The aim is not to predict the future precisely, but to provide enough insight to help you make well-informed decisions. Tax implications form part of this analysis, but are not necessarily the starting point.
"},"title":"A holistic approach to your wealth"},{"componentType":"paragraph","richBody":{"value":"ING Financial Compass is a digital platform developed as part of My Private Banking Experience. It supports the collaboration between you, your Private Banker and our wealth planning specialists.
The platform brings together the key elements of your financial situation in a secure environment, including:
This comprehensive overview makes the connections between the different elements visible. Dynamic simulations can help analyse and compare potential decisions from both a financial and inheritance perspective.
This can give you greater insight into questions such as:
Complex questions can thus be translated into clear, concrete scenarios.
Your decisions no longer have to rely solely on theoretical assumptions, but can be compared and refined based on concrete information.
"},"title":"A 360° view with ING Financial Compass"},{"alignedImage":{"position":"right","extension":"jpg","original":"https://assets.ing.com/asset/2bbb1813-d83f-4356-8a7c-0537351d0a44/FRIENDS-SITTING-ON-TABLE-AT-HOME.jpg","transformBaseUrl":"https://assets.ing.com/transform/2bbb1813-d83f-4356-8a7c-0537351d0a44/FRIENDS-SITTING-ON-TABLE-AT-HOME"},"componentType":"paragraph","richBody":{"value":"Some wealth situations call for a more in-depth analysis, for example when transferring a family business or considering specific arrangements relating to your matrimonial property regime. In such cases, your Private Banker can draw on the expertise of our wealth planning specialists.
ING Financial Compass does not replace personal conversations or the expertise of our specialists. Instead, it enhances them. The technology helps make your situation clearer, while your Private Banker and our Tax & Legal Experts provide the analysis, nuance and guidance needed to turn that information into relevant decisions.
"},"title":"Technology enhances personal advice"},{"componentType":"paragraph","richBody":{"value":"Effective wealth planning is built on three principles:
This turns wealth planning into more than a technical exercise. It can help support family continuity, protect your wealth and prepare for projects that matter to you.
"},"title":"Three principles that bring peace of mind"},{"componentType":"paragraph","richBody":{"value":"Would you like to know whether the way your wealth is structured still reflects your plans? Are you considering transferring your wealth or assessing the financial impact of an important project?
Your Private Banker and our Tax & Legal Experts can guide you through this process. With a holistic approach, personal expertise and tools such as ING Financial Compass, they can help you make clear, coherent and well-informed decisions.
"},"title":"Get a clear view of your wealth and future plans"},{"componentType":"paragraph","richBody":{"value":""}}]},"hasMacro":false,"id":"8bb00226-2fba-4b24-a8c8-807b0fcf42a8","localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Financial and Estate Planning","url":"/en/private-banking/estate-planning"}},"componentType":"editorialHeader","coreHeader":{"body":"Your wealth does not exist in isolation. It evolves alongside your plans, your family, your professional life and what you want to build for future generations. That is why effective wealth and estate planning starts with a complete overview.\r\nThe expertise of your Private Banker and our Tax & Legal Experts, combined with the simulation and visualisation capabilities of the ING Financial Compass, helps you make clear, coherent and well-informed decisions.","headerImage":{"extension":"jpg","original":"https://assets.ing.com/asset/21c0af6b-560d-4197-ba29-5388a0029251/Mother-and-young-daughter-watch-dolphins-from-sailboat.jpg","publishedAt":"2021-12-21T00:00:00Z","transformBaseUrl":"https://assets.ing.com/transform/21c0af6b-560d-4197-ba29-5388a0029251/Mother-and-young-daughter-watch-dolphins-from-sailboat","type":"image","updatedAt":"2023-12-21T14:46:57Z","width":4608},"subtitle":"A clear view of your wealth and legacy.","title":"Financial Compass"},"date":"2026-10-28","readingTime":5},"publishDate":"2026-10-30T16:01:44.220+01:00"}}