Disaggregation of Ownership: estate transfer and wealth optimization

The disaggregation of ownership consists of separating the usufruct and bare ownership of an asset. It is a powerful wealth management tool, often used to organize estate transfer, optimize taxation, or structure certain investments. A wealth professional can assist in implementing a disaggregation adapted to family and wealth objectives. When well-structured, this mechanism allows reconciling protection, inheritance planning, and optimization, provided it is not handled as a mere tax gimmick.