Many entrepreneurs initially focus on the business: its value, a buyer or a successor. Just as important is the question of what the transfer should enable for you personally.
How much wealth will you need? What role will your family play? What would you like to do with the capital released through the transfer? Which options would be wise to explore before the transfer takes place?
Wealth Planning helps bring these related questions together.
"}},{"componentType":"sectionTitle","title":"Transferring your business within the family or selling it"},{"componentType":"paragraph","richBody":{"value":"Whether you are considering family succession or a sale to an external party, good preparation starts with understanding your personal situation.
Together with experts from ING Private Banking and ING Business Banking, we can support you in preparing for the transfer, completing the process and shaping the next phase of your life.
"}},{"accordionList":[{"alignedImage":{"position":"right","extension":"png","original":"https://assets.ing.com/asset/8ac10ae8-41b4-4a12-87c4-1b6608ea5c43/ING-Private-Banking-Netherlands.png","transformBaseUrl":"https://assets.ing.com/transform/8ac10ae8-41b4-4a12-87c4-1b6608ea5c43/ING-Private-Banking-Netherlands"},"richBody":{"value":"Would you like your company to remain within the family? This may raise important questions.
Who within the family is willing and able to continue the business? How should ownership and control be divided? What does the transfer mean for children who will not join the company? And how much wealth and income will you need after taking a step back?
It helps to start discussing these questions at an early stage. Together with your Relationship Manager and other specialists where needed, you can consider:
Tax and legal considerations depend on your personal situation and may change. We therefore involve specialists where needed. For tax and legal advice, you should consult your own tax adviser and civil-law notary.
"},"title":"Transferring your business within the family"},{"alignedImage":{"position":"left","altTextNL":"\"\"","extension":"jpg","original":"https://assets.ing.com/asset/d265761d-e0de-47c0-8789-bba98f77c904/MAN-AND-WOMAN-SITTING-AT-TABLE.jpg","transformBaseUrl":"https://assets.ing.com/transform/d265761d-e0de-47c0-8789-bba98f77c904/MAN-AND-WOMAN-SITTING-AT-TABLE"},"richBody":{"value":"You may not wish to transfer your company within the family, but instead sell it to an external party or to the management team.
Before starting the process, it is important to understand what a sale should enable for you personally.
As part of your Wealth Planning, ING Private Banking helps you consider these personal and financial questions.
For the business aspects of a sale or management buyout, we can put you in touch with experts from ING Business Banking, for example, to discuss the company, financing and the sales process.
This means two complementary processes can run alongside each other:
ING Private Banking
Your personal goals, private wealth, family, financial future and the capital available after the transfer.
ING Business Banking
Business preparation and guidance relating to the sale, management buyout, financing and transaction.
Your Relationship Manager remains involved, helping ensure that business decisions and your personal financial plans remain connected.
"},"title":"Are you considering selling your business to an external party?"}],"componentType":"accordion"},{"componentType":"cta","textLink":{"text":"Make an appointment to discuss Wealth Planning","url":"/en/private-banking/customer-service"}},{"componentType":"testimonial","testimonialList":[{"authorInfo":{"authorName":"Annette Helderop-van Es","image":{"extension":"png","original":"https://assets.ing.com/asset/e965f19c-6840-43da-8850-2eb572a4c090/Anette-Helderop-van-Es.png","publishedAt":"2026-10-13T08:50:42Z","transformBaseUrl":"https://assets.ing.com/transform/e965f19c-6840-43da-8850-2eb572a4c090/Anette-Helderop-van-Es","type":"image","updatedAt":"2026-10-13T08:51:07Z","width":529},"jobTitle":"Financial Planner ING Private Banking"},"testimonialText":{"body":"I recently showed an entrepreneur the difference between selling now and continuing for another five years, as well as the proceeds he would need to achieve his goals. It gave him reassurance and the freedom to make a considered decision about whether or not to continue as an entrepreneur.","textLink":{"text":"Read the full interview","url":"/en/private-banking/knowledge-and-insights/wealth-planning/5-questions-about-wealth-planning-for-financial-planner-annette-helderop-van-es"}}}]},{"componentType":"sectionTitle","title":"Insight and guidance for important decisions"},{"alignedImage":{"position":"left","extension":"jpg","original":"https://assets.ing.com/asset/f7f69a85-d5a6-4f09-b7f2-55a0af82b58c/Woman-in-casual-clothing-sits-on-the-sofa-looking-at-her-mobile-phone.jpg","transformBaseUrl":"https://assets.ing.com/transform/f7f69a85-d5a6-4f09-b7f2-55a0af82b58c/Woman-in-casual-clothing-sits-on-the-sofa-looking-at-her-mobile-phone"},"componentType":"paragraph","richBody":{"value":"Wealth Planning gives you insight into what a transfer could mean for your personal wealth, income, family and plans for the future. We consider your situation, your goals and the decisions that matter to you.
Together with your Relationship Manager, you explore different scenarios. You can use digital tools such as Plan Ahead to explore scenarios yourself. The ING app and My ING help you maintain an overview of your financial situation. Specialists can be involved where needed. For tax and legal advice, you should consult your own tax adviser and civil-law notary.
"}},{"componentType":"paragraph","richBody":{"value":""}},{"componentType":"cta","textLink":{"text":"Discuss your Wealth Plan with ING Private Banking","url":"/en/private-banking/customer-service"}},{"componentType":"paragraph","richBody":{"value":""},"textLinks":[{"text":"Download our Wealth Planning guide","url":"https://assets.ing.com/asset/2324e7e1-271f-4c0a-8a70-182e35715c88/Wealth_Planning_Brochure_ING_Private_Banking.pdf"}]},{"componentType":"sectionTitle","title":"Topics entrepreneurs are considering"},{"cardsList":{"cards":[{"body":"What should the transfer enable for you financially?","cardSize":"medium","cardType":"article","componentType":"articleCard","date":"2026-10-07","image":{"extension":"jpg","original":"https://assets.ing.com/asset/06b416b2-862b-42bd-adb6-8068f59996d8/Private-Banking-Netherlands.jpg","publishedAt":"2026-09-17T12:35:20Z","transformBaseUrl":"https://assets.ing.com/transform/06b416b2-862b-42bd-adb6-8068f59996d8/Private-Banking-Netherlands","type":"image","updatedAt":"2026-09-17T12:35:32Z","width":6720},"link":{"url":"/en/private-banking/knowledge-and-insights/wealth-planning/transferring-your-business-look-beyond-the-transfer-itself"},"title":"Transferring your business? 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Discover how much wealth you may need for your lifestyle, family and new plans, and which choices may support them.
"},"title":"How much financial scope do your plans really require?"},{"componentType":"sectionTitle","title":"Frequently asked questions"},{"accordionList":[{"richBody":{"value":"Wealth Planning can be valuable for anyone seeking strategic insight into their financial future. Whether you are an entrepreneur, a private individual or part of a family with complex wealth structures, Wealth Planning, also known as estate planning, helps you make choices that reflect your ambitions. It gives you the confidence to take considered steps today, with a clear view of where you want to be in the future.
"},"title":"Who is Wealth Planning for? "},{"richBody":{"value":"Together with your Relationship Manager and our experts, we map out your financial situation. We focus on what matters to you, such as transferring a business, investing, maintaining your lifestyle, gifting wealth or leaving a legacy. You receive a dynamic plan that evolves with your life.
"},"title":"What exactly is Wealth Planning?"},{"richBody":{"value":"Gather relevant documents in advance, such as your income tax return and information about your wealth and, where relevant, your business interests. The more complete the information, the better we can look ahead together.
"},"title":"How can you prepare for a meeting?"},{"richBody":{"value":"No. Wealth Planning is available free of charge, whether or not you are currently an ING Private Banking client. If you decide to become a client, you can also use digital tools in the ING App to view and adjust your wealth plan whenever you wish.
"},"title":"Is there a fee for Wealth Planning?"},{"richBody":{"value":"Wealth transfer concerns passing on personal wealth, family wealth or an inheritance. Business transfer focuses on the sale, succession or transfer of a company.
"},"title":"What is the difference between wealth transfer and business transfer? "}],"componentType":"accordion"},{"componentStyle":"default","componentType":"linkList","iconTitle":{"title":"Related"},"textLinks":[{"text":"Financial freedom","url":"/en/private-banking/wealth-planning/financial-freedom"},{"text":"Wealth Planning","url":"/en/private-banking/wealth-planning"},{"text":"Portfolio Management","url":"/en/private-banking/investing/portfolio-management"},{"text":"Wealth Transfer","url":"/en/private-banking/wealth-planning/wealth-transfer"}]}]},"hasMacro":false,"id":"baabc125-39da-4bf1-857d-62e47bd16b59","localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Read all articles here","url":"/en/private-banking/wealth-planning/vermogensoverdracht-horizontal-list"}},"componentType":"productHeader","coreHeader":{"body":"Wealth Planning from ING Private Banking gives you insight into the financial consequences of different scenarios, helping you make more informed decisions.","headerImage":{"extension":"jpg","original":"https://assets.ing.com/asset/8eb5d362-1b16-40e7-84fb-0f039c870414/Private-Banking-A-happy-senior-man-playfully-hugs-and-rubs-a-man-his-head-on-the-beach.jpg","publishedAt":"2021-11-18T18:34:30Z","transformBaseUrl":"https://assets.ing.com/transform/8eb5d362-1b16-40e7-84fb-0f039c870414/Private-Banking-A-happy-senior-man-playfully-hugs-and-rubs-a-man-his-head-on-the-beach","type":"image","updatedAt":"2025-10-14T16:15:52Z","width":3960},"subtitle":"A business transfer is about more than transferring ownership of a company. The choices you make can affect your personal wealth, your family and your future plans.","title":"Business Transfer"},"cta":{"componentType":"cta","textLink":{"text":"Make an appointment","url":"/en/private-banking/customer-service"}},"secondaryCta":{"textLink":{"text":"Discover Wealth Planning","url":"/en/private-banking/wealth-planning"}},"usps":[{"body":"Insight into the relationship between your business and personal wealth","icon":{"extension":"png","original":"https://assets.ing.com/asset/68c05a5e-72d8-48a6-a2c5-29ebea790125/icon-inzicht.png","publishedAt":"2022-10-04T08:34:10Z","transformBaseUrl":"https://assets.ing.com/transform/68c05a5e-72d8-48a6-a2c5-29ebea790125/icon-inzicht","type":"image","updatedAt":"2023-12-21T15:17:57Z","width":200}},{"body":"Scenarios for succession, transfer and your financial future","icon":{"altTextEN":"Securely access and manage your business financing solutions. View information about your loans, credit facilities, and financing products with ease.","altTextFR":"Consultez et gérez vos solutions de financement professionnelles en toute sécurité. Accédez aux informations relatives à vos crédits, prêts et facilités de financement en quelques clics.","altTextNL":"Raadpleeg en beheer uw zakelijke financieringsoplossingen veilig en eenvoudig. Bekijk informatie over kredieten, leningen en financieringsfaciliteiten in enkele klikken.","extension":"png","original":"https://assets.ing.com/asset/30a19cd2-d62e-4885-86cd-9901d0cf02fd/Financement-Business-Exclusive.png","publishedAt":"2026-07-17T12:51:15Z","transformBaseUrl":"https://assets.ing.com/transform/30a19cd2-d62e-4885-86cd-9901d0cf02fd/Financement-Business-Exclusive","type":"image","updatedAt":"2026-07-17T12:52:00Z","width":267}},{"body":"Personal guidance before, during and after the transfer","icon":{"altTextEN":"Securely access and request your business credit documents online. Quickly find information and documents related to your ING financing solutions.","altTextFR":"Accédez et demandez vos documents de crédit professionnels en ligne en toute sécurité. Retrouvez rapidement les informations et documents liés à vos financements ING.","altTextNL":"Vraag uw zakelijke kredietdocumenten veilig online aan. Raadpleeg snel de documenten en informatie met betrekking tot uw ING-financieringen.","extension":"png","original":"https://assets.ing.com/asset/664c09e3-d978-49c3-89a2-d5dd1d130eda/Demander-mes-documents-de-credit-en-ligne-Business-Exclusive.png","publishedAt":"2026-07-23T09:34:29Z","transformBaseUrl":"https://assets.ing.com/transform/664c09e3-d978-49c3-89a2-d5dd1d130eda/Demander-mes-documents-de-credit-en-ligne-Business-Exclusive","type":"image","updatedAt":"2026-07-23T09:35:10Z","width":267}}]},"publishDate":"2026-10-16T12:23:33.102+02:00"}}