{"id":1356,"date":"2025-03-21T13:55:07","date_gmt":"2025-03-21T13:55:07","guid":{"rendered":"https:\/\/cashflowch.com\/?page_id=1356"},"modified":"2025-07-15T12:37:43","modified_gmt":"2025-07-15T12:37:43","slug":"mariage-ou-concubinage","status":"publish","type":"page","link":"https:\/\/cashflowch.com\/en\/mariage-ou-concubinage\/","title":{"rendered":"Mariage ou concubinage\u200b\u200b"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"1356\" class=\"elementor elementor-1356\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-50337c0e elementor-section-full_width elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-equal-height-no\" data-id=\"50337c0e\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-745c0670\" data-id=\"745c0670\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-451dcdc4 elementor-invisible\" data-id=\"451dcdc4\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;,&quot;animation&quot;:&quot;fadeInRight&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3b4edae4 elementor-widget elementor-widget-heading\" data-id=\"3b4edae4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Mariage ou concubinage\u200b\u200b<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-39af145e elementor-widget elementor-widget-text-editor\" data-id=\"39af145e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tConseils personnalis\u00e9s, gestion rigoureuse et solutions adapt\u00e9es \u00e0 votre nouvelle vie et gestion de votre patrimoine selon votre choix, planifiez votre futur en toute s\u00e9r\u00e9nit\u00e9.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-98330f9 elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"98330f9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/calendar.notion.so\/meet\/davidecasellini\/people\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-caret-right\" viewbox=\"0 0 192 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 384.662V127.338c0-17.818 21.543-26.741 34.142-14.142l128.662 128.662c7.81 7.81 7.81 20.474 0 28.284L34.142 398.804C21.543 411.404 0 402.48 0 384.662z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">R\u00e9servez un rendez-vous informatif<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-787736d7 elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-equal-height-no\" data-id=\"787736d7\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-59d087c2\" data-id=\"59d087c2\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-70f54e13 elementor-widget elementor-widget-heading\" data-id=\"70f54e13\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Mariage ou concubinage\u200b\u200b<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-753069b9 elementor-widget-divider--view-line elementor-invisible elementor-widget elementor-widget-divider\" data-id=\"753069b9\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInLeft&quot;}\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-19472afa elementor-widget elementor-widget-text-editor\" data-id=\"19472afa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h5><b><span class=\"TextRun SCXW184469533 BCX8\" lang=\"FR-CH\" xml:lang=\"FR-CH\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW184469533 BCX8\">Quelles diff\u00e9rences et quoi pr\u00e9voir ?<\/span><\/span><span class=\"EOP SCXW184469533 BCX8\" data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;335551550&quot;:2,&quot;335551620&quot;:2}\">\u00a0<\/span><\/b><\/h5><p><span class=\"EOP SCXW184469533 BCX8\" data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;335551550&quot;:2,&quot;335551620&quot;:2}\">\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b2bd4c4 elementor-widget-mobile__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"b2bd4c4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span data-contrast=\"auto\">En Suisse, vivre \u00e0 deux implique des cons\u00e9quences tr\u00e8s diff\u00e9rentes selon que l\u2019on est <\/span><b><span data-contrast=\"auto\">mari\u00e9<\/span><\/b><span data-contrast=\"auto\"> ou <\/span>en <b><span data-contrast=\"auto\">concubinage <\/span><\/b>(union libre)<span data-contrast=\"auto\">.<\/span>\u00a0<br \/><span data-contrast=\"auto\">Chez <\/span><b><span data-contrast=\"auto\">Cash-Flow CH<\/span><\/b><span data-contrast=\"auto\">, nous vous aidons \u00e0 comprendre les impacts concrets sur votre vie financi\u00e8re et \u00e0 anticiper les d\u00e9marches essentielles, <\/span><b><span data-contrast=\"auto\">peu importe votre choix de vie<\/span><\/b><span data-contrast=\"auto\">.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true}\">\u00a0<\/span><\/p><p><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><h5><b><span data-contrast=\"auto\">Diff\u00e9rences principales ?<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><\/h5><div><span data-ccp-props=\"{}\">\u00a0<\/span><\/div><div>\u00a0<\/div><table data-tablestyle=\"MsoNormalTable\" data-tablelook=\"1184\" aria-rowcount=\"8\"><tbody><tr aria-rowindex=\"1\"><td data-celllook=\"0\"><p><b><span data-contrast=\"auto\">Th\u00e8me<\/span><\/b><span data-ccp-props=\"{&quot;335551550&quot;:2,&quot;335551620&quot;:2}\">\u00a0<\/span><\/p><\/td><td data-celllook=\"0\"><p><b><span data-contrast=\"auto\">Mariage<\/span><\/b><span data-ccp-props=\"{&quot;335551550&quot;:2,&quot;335551620&quot;:2}\">\u00a0<\/span><\/p><\/td><td data-celllook=\"0\"><p><b><span data-contrast=\"auto\">Concubinage <\/span><\/b><span data-ccp-props=\"{&quot;335551550&quot;:2,&quot;335551620&quot;:2}\">\u00a0<\/span><\/p><\/td><\/tr><tr aria-rowindex=\"2\"><td data-celllook=\"0\"><p><b><span data-contrast=\"auto\">Imp\u00f4ts<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><\/td><td data-celllook=\"0\"><p><span data-contrast=\"auto\">Imposition <\/span><b><span data-contrast=\"auto\">conjointe<\/span><\/b><span data-contrast=\"auto\"> d\u00e8s l\u2019ann\u00e9e du mariage<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><\/td><td data-celllook=\"0\"><p><span data-contrast=\"auto\">Imposition <\/span><b><span data-contrast=\"auto\">s\u00e9par\u00e9e<\/span><\/b><span data-contrast=\"auto\"> pour chaque partenaire<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><\/td><\/tr><tr aria-rowindex=\"3\"><td data-celllook=\"0\"><p><b><span data-contrast=\"auto\">AVS\/AI<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><\/td><td data-celllook=\"0\"><p><span data-contrast=\"auto\">Rente <\/span><b><span data-contrast=\"auto\">partag\u00e9e<\/span><\/b><span data-contrast=\"auto\"> entre les \u00e9poux (plafonn\u00e9e)<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><\/td><td data-celllook=\"0\"><p><span data-contrast=\"auto\">Rente <\/span><b><span data-contrast=\"auto\">individuelle<\/span><\/b><span data-contrast=\"auto\">, non partag\u00e9e<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><\/td><\/tr><tr aria-rowindex=\"4\"><td data-celllook=\"0\"><p><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><\/td><td data-celllook=\"0\"><p><span data-contrast=\"auto\">Conjoint survivant a droit \u00e0 une rente de veuf\/veuve<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><\/td><td data-celllook=\"0\"><p><span data-contrast=\"auto\">Pas de prestations<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><\/td><\/tr><tr aria-rowindex=\"5\"><td data-celllook=\"0\"><p><b><span data-contrast=\"auto\">LPP (2e pilier)<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><\/td><td data-celllook=\"0\"><p><span data-contrast=\"auto\">Droit \u00e0 une <\/span><b><span data-contrast=\"auto\">part de l\u2019avoir LPP en cas de divorce ou d\u00e9c\u00e8s<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><\/td><td data-celllook=\"0\"><p><span data-contrast=\"auto\">Pas de droit automatique en cas de d\u00e9c\u00e8s (clause sp\u00e9cifique \u00e0 mettre en place)<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><\/td><\/tr><tr aria-rowindex=\"6\"><td data-celllook=\"0\"><p><b><span data-contrast=\"auto\">H\u00e9ritage<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><\/td><td data-celllook=\"0\"><p><span data-contrast=\"auto\">Droit automatique du conjoint survivant<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><\/td><td data-celllook=\"0\"><p><span data-contrast=\"auto\">Aucun droit sans testament. Optimisations fiscales possibles<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><\/td><\/tr><tr aria-rowindex=\"7\"><td data-celllook=\"0\"><p><b><span data-contrast=\"auto\">Responsabilit\u00e9<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><\/td><td data-celllook=\"0\"><p><span data-contrast=\"auto\">Possible <\/span><b><span data-contrast=\"auto\">solidarit\u00e9 financi\u00e8re<\/span><\/b><span data-contrast=\"auto\"> entre \u00e9poux<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><\/td><td data-celllook=\"0\"><p><span data-contrast=\"auto\">Aucune obligation l\u00e9gale<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><\/td><\/tr><tr aria-rowindex=\"8\"><td data-celllook=\"0\"><p><b><span data-contrast=\"auto\">D\u00e9cisions m\u00e9dicales<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><\/td><td data-celllook=\"0\"><p><span data-contrast=\"auto\">Droit d\u2019\u00eatre inform\u00e9 et de d\u00e9cider<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><\/td><td data-celllook=\"0\"><p><span data-contrast=\"auto\">Pas de droit automatique sans mandat ou procuration \u00e9crite<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><\/td><\/tr><\/tbody><\/table><p><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><h2><b><span data-contrast=\"auto\">Que faut-il pr\u00e9voir dans chaque situation ?<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true}\">\u00a0<\/span><\/h2><div><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true}\">\u00a0<\/span><\/div><div><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true}\">\u00a0<\/span><\/div><div><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true}\">\u00a0<\/span><\/div><h5><b><span data-contrast=\"auto\">Si vous vous allez vous marier :<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true}\">\u00a0<\/span><\/h5><ul><li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">V\u00e9rifiez votre <\/span><b><span data-contrast=\"auto\">r\u00e9gime matrimonial<\/span><\/b><span data-contrast=\"auto\"> (participation aux acqu\u00eats par d\u00e9faut, mais il existe aussi s\u00e9paration ou communaut\u00e9 des biens)<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true}\">\u00a0<\/span><\/li><\/ul><ul><li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">Envisagez un <\/span><b><span data-contrast=\"auto\">contrat de mariage<\/span><\/b><span data-contrast=\"auto\"> si vous souhaitez fixer des r\u00e8gles diff\u00e9rentes<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true}\">\u00a0<\/span><\/li><\/ul><ul><li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">Tenez \u00e0 jour vos <\/span><b><span data-contrast=\"auto\">b\u00e9n\u00e9ficiaires LPP et 3e pilier<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true}\">\u00a0<\/span><\/li><\/ul><ul><li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"4\" data-aria-level=\"1\"><span data-contrast=\"auto\">Faites une <\/span><b><span data-contrast=\"auto\">d\u00e9claration fiscale commune<\/span><\/b><span data-contrast=\"auto\"> chaque ann\u00e9e<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true}\">\u00a0<\/span><\/li><\/ul><ul><li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"5\" data-aria-level=\"1\"><span data-contrast=\"auto\">Mettez \u00e0 jour votre <\/span><b><span data-contrast=\"auto\">testament et directives anticip\u00e9es<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true}\">\u00a0<\/span><\/li><\/ul><p><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;335559685&quot;:720}\">\u00a0<\/span><\/p><h5><b><span data-contrast=\"auto\">Si vous \u00eates en concubinage :<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true}\">\u00a0<\/span><\/b><\/h5><ul><li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">R\u00e9digez un <\/span><b><span data-contrast=\"auto\">contrat de concubinage<\/span><\/b><span data-contrast=\"auto\"> pour clarifier les responsabilit\u00e9s financi\u00e8res<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true}\">\u00a0<\/span><\/li><\/ul><ul><li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"2\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Nommer explicitement votre partenaire<\/span><\/b><span data-contrast=\"auto\"> comme b\u00e9n\u00e9ficiaire dans vos LPP, 3e pilier, assurances vie, etc.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true}\">\u00a0<\/span><\/li><\/ul><ul><li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">Faites un <\/span><b><span data-contrast=\"auto\">testament<\/span><\/b><span data-contrast=\"auto\"> si vous souhaitez qu\u2019il\/elle h\u00e9rite (attention aux imp\u00f4ts)<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true}\">\u00a0<\/span><\/li><\/ul><ul><li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"4\" data-aria-level=\"1\"><span data-contrast=\"auto\">V\u00e9rifiez que vos <\/span><b><span data-contrast=\"auto\">assurances (m\u00e9nage, RC, vie)<\/span><\/b><span data-contrast=\"auto\"> couvrent bien les deux personnes<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true}\">\u00a0<\/span><\/li><\/ul><ul><li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"5\" data-aria-level=\"1\"><span data-contrast=\"auto\">Envisagez une <\/span><b><span data-contrast=\"auto\">procuration m\u00e9dicale et administrative mutuelle<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true}\">\u00a0<\/span><\/li><\/ul><ul><li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"6\" data-aria-level=\"1\"><span data-contrast=\"auto\">Si vous achetez un bien ensemble : clarifiez la <\/span><b><span data-contrast=\"auto\">r\u00e9partition de propri\u00e9t\u00e9 et de financement<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true}\">\u00a0<\/span><\/li><\/ul><ul><li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"7\" data-aria-level=\"1\"><span data-contrast=\"auto\">\u00c9valuer que les <\/span><b><span data-contrast=\"auto\">prestations de pr\u00e9voyance soient correctes<\/span><\/b><span data-contrast=\"auto\"> surtout si vous pr\u00e9voyez un enfant ou de devenir propri\u00e9taire immobilier.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true}\">\u00a0<\/span><\/li><\/ul><p><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><h5><b><span data-contrast=\"auto\">Cash-Flow CH vous accompagne dans tous les aspects de votre vie \u00e0 deux :<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true}\">\u00a0<\/span><\/h5><div><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true}\">\u00a0<\/span><\/div><p><span data-contrast=\"auto\">\u2714<\/span><span data-contrast=\"auto\">\ufe0f<\/span> <b><span data-contrast=\"auto\">Analyse personnalis\u00e9e<\/span><\/b><span data-contrast=\"auto\"> de votre situation fiscale et patrimoniale<\/span>\u00a0<br \/><span data-contrast=\"auto\">\u2714<\/span><span data-contrast=\"auto\">\ufe0f<\/span> <b><span data-contrast=\"auto\">Planification de la pr\u00e9voyance<\/span><\/b><span data-contrast=\"auto\">, imp\u00f4ts et \u00e9pargne<\/span>\u00a0<br \/><span data-contrast=\"auto\">\u2714<\/span><span data-contrast=\"auto\">\ufe0f<\/span><span data-contrast=\"auto\"> R\u00e9daction ou v\u00e9rification de vos documents importants (testament, clause b\u00e9n\u00e9ficiaire, mandat en cas d\u2019inaptitude)<\/span>\u00a0<br \/><span data-contrast=\"auto\">\u2714<\/span><span data-contrast=\"auto\">\ufe0f<\/span> <b><span data-contrast=\"auto\">Accompagnement pour les couples mari\u00e9s ou en concubinage<\/span><\/b><span data-contrast=\"auto\">, avec ou sans enfants<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">Quel que soit votre choix de vie, nous vous aidons \u00e0 le structurer pour vivre votre relation sereinement, en toute s\u00e9curit\u00e9.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true}\">\u00a0<\/span><\/p><p><b><span data-contrast=\"auto\">Prenez rendez-vous sur <\/span><\/b><span style=\"text-decoration: underline;\"><a href=\"https:\/\/cashflowch.com\/en\/\"><b>www.cashflowch.com<\/b><\/a><\/span><span data-contrast=\"auto\"> pour un premier bilan gratuit.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true}\">\u00a0<\/span><\/p><p><b><span data-contrast=\"auto\">Cash-Flow CH \u2013 <\/span><\/b><span data-contrast=\"auto\">Comprendre. Planifier. <\/span><span data-contrast=\"auto\">D\u00e9cider.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true}\">\u00a0<\/span><\/p><p><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true}\">\u00a0<\/span><\/p><p><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true}\">\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2aa95cc1 elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-equal-height-no elementor-invisible\" data-id=\"2aa95cc1\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;motion_fx_motion_fx_scrolling&quot;:&quot;yes&quot;,&quot;motion_fx_translateY_effect&quot;:&quot;yes&quot;,&quot;animation&quot;:&quot;fadeInLeft&quot;,&quot;motion_fx_translateY_speed&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:4,&quot;sizes&quot;:[]},&quot;motion_fx_translateY_affectedRange&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:{&quot;start&quot;:0,&quot;end&quot;:100}},&quot;motion_fx_devices&quot;:[&quot;desktop&quot;,&quot;tablet&quot;,&quot;mobile&quot;]}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1f05c932\" data-id=\"1f05c932\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-65974571 elementor-widget elementor-widget-heading\" data-id=\"65974571\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">R\u00c9SERVEZ VOTRE CONSULTATION FINANCI\u00c8RE<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-79bd31f9 elementor-widget elementor-widget-heading\" data-id=\"79bd31f9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">AVEC CASH-FLOW CH<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a5fc4d5 elementor-widget elementor-widget-spacer\" data-id=\"a5fc4d5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9219e0 elementor-invisible elementor-widget elementor-widget-button\" data-id=\"9219e0\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInLeft&quot;}\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/calendar.notion.so\/meet\/davidecasellini\/people\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-caret-right\" viewbox=\"0 0 192 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 384.662V127.338c0-17.818 21.543-26.741 34.142-14.142l128.662 128.662c7.81 7.81 7.81 20.474 0 28.284L34.142 398.804C21.543 411.404 0 402.48 0 384.662z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">R\u00e9servez un rendez-vous informatif<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Mariage ou concubinage\u200b\u200b Conseils personnalis\u00e9s, gestion rigoureuse et solutions adapt\u00e9es \u00e0 votre nouvelle vie et gestion de votre patrimoine selon votre choix, planifiez votre futur en toute s\u00e9r\u00e9nit\u00e9. R\u00e9servez un rendez-vous informatif Mariage ou concubinage\u200b\u200b Quelles diff\u00e9rences et quoi pr\u00e9voir ?\u00a0 \u00a0 En Suisse, vivre \u00e0 deux implique des cons\u00e9quences tr\u00e8s diff\u00e9rentes selon que l\u2019on est mari\u00e9 ou en concubinage (union libre).\u00a0Chez Cash-Flow CH, nous vous aidons \u00e0 comprendre les impacts concrets sur votre vie financi\u00e8re et \u00e0 anticiper les d\u00e9marches essentielles, peu importe votre choix de vie.\u00a0 \u00a0 \u00a0 Diff\u00e9rences principales ?\u00a0 \u00a0\u00a0 Th\u00e8me\u00a0 Mariage\u00a0 Concubinage \u00a0 Imp\u00f4ts\u00a0 Imposition conjointe d\u00e8s l\u2019ann\u00e9e du mariage\u00a0 Imposition s\u00e9par\u00e9e pour chaque partenaire\u00a0 AVS\/AI\u00a0 Rente partag\u00e9e entre les \u00e9poux (plafonn\u00e9e)\u00a0 Rente individuelle, non partag\u00e9e\u00a0 \u00a0 Conjoint survivant a droit \u00e0 une rente de veuf\/veuve\u00a0 Pas de prestations\u00a0 LPP (2e pilier)\u00a0 Droit \u00e0 une part de l\u2019avoir LPP en cas de divorce ou d\u00e9c\u00e8s\u00a0 Pas de droit automatique en cas de d\u00e9c\u00e8s (clause sp\u00e9cifique \u00e0 mettre en place)\u00a0 H\u00e9ritage\u00a0 Droit automatique du conjoint survivant\u00a0 Aucun droit sans testament. Optimisations fiscales possibles\u00a0 Responsabilit\u00e9\u00a0 Possible solidarit\u00e9 financi\u00e8re entre \u00e9poux\u00a0 Aucune obligation l\u00e9gale\u00a0 D\u00e9cisions m\u00e9dicales\u00a0 Droit d\u2019\u00eatre inform\u00e9 et de d\u00e9cider\u00a0 Pas de droit automatique sans mandat ou procuration \u00e9crite\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 Que faut-il pr\u00e9voir dans chaque situation ?\u00a0 \u00a0\u00a0\u00a0 Si vous vous allez vous marier :\u00a0 V\u00e9rifiez votre r\u00e9gime matrimonial (participation aux acqu\u00eats par d\u00e9faut, mais il existe aussi s\u00e9paration ou communaut\u00e9 des biens)\u00a0 Envisagez un contrat de mariage si vous souhaitez fixer des r\u00e8gles diff\u00e9rentes\u00a0 Tenez \u00e0 jour vos b\u00e9n\u00e9ficiaires LPP et 3e pilier\u00a0 Faites une d\u00e9claration fiscale commune chaque ann\u00e9e\u00a0 Mettez \u00e0 jour votre testament et directives anticip\u00e9es\u00a0 \u00a0 Si vous \u00eates en concubinage :\u00a0 R\u00e9digez un contrat de concubinage pour clarifier les responsabilit\u00e9s financi\u00e8res\u00a0 Nommer explicitement votre partenaire comme b\u00e9n\u00e9ficiaire dans vos LPP, 3e pilier, assurances vie, etc.\u00a0 Faites un testament si vous souhaitez qu\u2019il\/elle h\u00e9rite (attention aux imp\u00f4ts)\u00a0 V\u00e9rifiez que vos assurances (m\u00e9nage, RC, vie) couvrent bien les deux personnes\u00a0 Envisagez une procuration m\u00e9dicale et administrative mutuelle\u00a0 Si vous achetez un bien ensemble : clarifiez la r\u00e9partition de propri\u00e9t\u00e9 et de financement\u00a0 \u00c9valuer que les prestations de pr\u00e9voyance soient correctes surtout si vous pr\u00e9voyez un enfant ou de devenir propri\u00e9taire immobilier.\u00a0 \u00a0 \u00a0 \u00a0 Cash-Flow CH vous accompagne dans tous les aspects de votre vie \u00e0 deux :\u00a0 \u00a0 \u2714\ufe0f Analyse personnalis\u00e9e de votre situation fiscale et patrimoniale\u00a0\u2714\ufe0f Planification de la pr\u00e9voyance, imp\u00f4ts et \u00e9pargne\u00a0\u2714\ufe0f R\u00e9daction ou v\u00e9rification de vos documents importants (testament, clause b\u00e9n\u00e9ficiaire, mandat en cas d\u2019inaptitude)\u00a0\u2714\ufe0f Accompagnement pour les couples mari\u00e9s ou en concubinage, avec ou sans enfants\u00a0 Quel que soit votre choix de vie, nous vous aidons \u00e0 le structurer pour vivre votre relation sereinement, en toute s\u00e9curit\u00e9.\u00a0 Prenez rendez-vous sur www.cashflowch.com pour un premier bilan gratuit.\u00a0 Cash-Flow CH \u2013 Comprendre. Planifier. D\u00e9cider.\u00a0 \u00a0 \u00a0 R\u00c9SERVEZ VOTRE CONSULTATION FINANCI\u00c8RE AVEC CASH-FLOW CH R\u00e9servez un rendez-vous informatif<\/p>","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"class_list":["post-1356","page","type-page","status-publish","hentry"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/cashflowch.com\/en\/wp-json\/wp\/v2\/pages\/1356","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/cashflowch.com\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/cashflowch.com\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/cashflowch.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/cashflowch.com\/en\/wp-json\/wp\/v2\/comments?post=1356"}],"version-history":[{"count":52,"href":"https:\/\/cashflowch.com\/en\/wp-json\/wp\/v2\/pages\/1356\/revisions"}],"predecessor-version":[{"id":2563,"href":"https:\/\/cashflowch.com\/en\/wp-json\/wp\/v2\/pages\/1356\/revisions\/2563"}],"wp:attachment":[{"href":"https:\/\/cashflowch.com\/en\/wp-json\/wp\/v2\/media?parent=1356"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}