{"id":80301,"date":"2025-01-02T13:16:27","date_gmt":"2025-01-02T13:16:27","guid":{"rendered":"https:\/\/www.cofb.org\/?p=80301"},"modified":"2025-01-13T13:16:54","modified_gmt":"2025-01-13T13:16:54","slug":"forums-cofbserveis-tot-el-que-cal-saber-sobre-els-plans-de-pensio-i-la-transmissio-duna-farmacia","status":"publish","type":"post","link":"https:\/\/www.cofb.org\/ca\/2025\/01\/02\/forums-cofbserveis-tot-el-que-cal-saber-sobre-els-plans-de-pensio-i-la-transmissio-duna-farmacia\/","title":{"rendered":"F\u00f2rums COFBServeis: tot el que cal saber sobre els plans de pensi\u00f3 i la transmissi\u00f3 d’una farm\u00e0cia"},"content":{"rendered":"\n

Als mesos de novembre i desembre es van celebrar al Col\u00b7legi les confer\u00e8ncies \u201cPla de pensions, tot el que necessitem saber\u201d<\/strong> i \u201cHer\u00e8ncies, donacions i compravenda\u201d<\/strong>, amb el patrocini de COFBServeis<\/a>. <\/p>\n\n\n\n

Plans de pensions i les seves caracter\u00edstiques<\/strong><\/h2>\n\n\n\n

El 20 de novembre, es va organitzar la confer\u00e8ncia \u201cPla de pensions, tot el que necessitem saber\u201d<\/strong> a c\u00e0rrec de Rosa Sentandreu<\/strong>, European Financial Adviser del Grup ERSM, i va comptar amb la presentaci\u00f3 del gerent de COFBServeis, Agust\u00ed Ortega<\/strong>.<\/p>\n\n\n\n

\"\"<\/a><\/figure>\n\n\n\n

Els objectius<\/strong> de la confer\u00e8ncia van ser proporcionar coneixements per comprendre els pilars de l\u2019estalvi i la taxa de reempla\u00e7ament de les pensions<\/strong>, con\u00e8ixer les opcions diferents de diversificaci\u00f3 del risc<\/strong>, entendre el funcionament del pla de pensions<\/strong> i dominar la fiscalitat de les aportacions<\/strong> i del rescat dels plans de pensions.<\/strong> Abans d\u2019iniciar la confer\u00e8ncia, Agust\u00ed Ortega<\/strong>, gerent de COFBServeis, va explicar les darreres novetats<\/strong> posades en marxa des de l\u2019empresa de serveis. En aquest sentit, Ortega va destacar el servei de subministrament el\u00e8ctric<\/strong>, posat en marxa l\u2019any 2023 i que ja compta amb 450 farm\u00e0cies adherides<\/strong>, aix\u00ed com els serveis jur\u00eddics<\/strong> i les assegurances personals<\/strong> (motor, llar, vida, patinets, salut) com professionals<\/strong>.<\/p>\n\n\n\n

\"Rosa<\/a>
Rosa Sentandreu i Agust\u00ed Ortega en un moment de la confer\u00e8ncia sobre pensions. <\/figcaption><\/figure>\n\n\n\n

A continuaci\u00f3, Rosa Sentandreu<\/strong>, European Financial Adviser del Grup ERSM, a iniciar la confer\u00e8ncia fent refer\u00e8ncia al cicle de la vida en l\u2019\u00e0mbit financer<\/strong>, que va resumir amb: la introducci\u00f3 en el m\u00f3n laboral<\/strong>, l\u2019inici de guanyar diners<\/strong>, seguit d\u2019una fase d\u2019endeutament<\/strong>. Sentandeu va indicar que, despr\u00e9s de la fase d\u2019endeutament, acostuma a haver-hi una acumulaci\u00f3 d\u2019estalvi<\/strong>, seguida de l\u2019arribada d\u2019una altra fase vital que \u00e9s la venda d\u2019actius<\/strong> i la descapitalitzaci\u00f3<\/strong> per tenir una \u201cbona o confortable jubilaci\u00f3\u201d<\/strong>.<\/p>\n\n\n\n

Si preguntem, \u201chi ha moltes coses que ens preocupen i que no verbalitzem\u201d, va assegurar Sentandreu. Aix\u00ed doncs, va mencionar l\u2019estudi \u201cMotius d\u2019estr\u00e8s i benestar a les persones\u201d <\/strong>d\u2019Employee Financial Wellness que especifica que preocupa molt l\u2019economia i les finances (46%)<\/strong>, seguit dels temes laborals (17%)<\/strong>, les relacions socials (15%)<\/strong>, la salut (14%) <\/strong>i altres (8%)<\/strong>. Que ofereixen les entitats financeres pel que fa a l\u2019economia i les finances?<\/strong> Molts productes com lletres del Tresor, hipoteca inversa, cartera gestionada, renda vital\u00edcia, accions, fons d\u2019inversi\u00f3 renda fixa, fons d\u2019inversi\u00f3 renda variable, plans de pensions, immobles, entre altres. Sentandreu va comentar que, per a ella, \u201cles finances s\u00f3n com una calaixera\u201d i que, per aix\u00f2, \u201c\u00e9s recomanable fer diferents inversions per diferents necessitats\u201d<\/strong>. L\u2019European Financial Adviser del Grup ERSM tamb\u00e9 va compartir algunes xifres destacades com la taxa de substituci\u00f3 per pa\u00efsos<\/strong>, que \u201c\u00e9s el percentatge de la pensi\u00f3 de jubilaci\u00f3 sobre el darrer sou rebut a l\u2019etapa laboral\u201d<\/strong>, l\u2019evoluci<\/strong>\u00f3 general del fons de reserva de la Seguretat Social i el nombre de pensionistes i de treballadors actius.<\/p>\n\n\n\n

\"Rosa<\/a>
Rosa Sentandreu durant la seva exposici\u00f3.<\/figcaption><\/figure>\n\n\n\n

Seguidament, va repassar les diferents tipologies de plans de pensions<\/strong> i les seves caracter\u00edstiques. Concretament, va profunditzar en els plans de pensions individuals, assegurats, d\u2019ocupaci\u00f3 de previsi\u00f3 social empresarial, d\u2019ocupaci\u00f3 simplificats<\/strong>. Sobre la pregunta que per qu\u00e8 cal estalviar en plans de pensions? Rosa Sentandreu va indicar que per fiscalitat<\/strong>, \u201cles aportacions que facis al teu pla de pensions durant l’any es desgravaran de la teva base imposable de l’IRPF\u201d<\/strong>.<\/p>\n\n\n\n

Durant la seva confer\u00e8ncia tamb\u00e9 va especificar qu\u00e8 s\u00f3n els plans de pensions d\u2019ocupaci\u00f3 simplificats per a aut\u00f2noms<\/strong>, els avantatges<\/strong> i les garanties<\/strong> dels plans de pensi\u00f3. En darrer lloc, Sentandreu va especificar la situaci\u00f3 dels plans de pensions en el moment de la jubilaci\u00f3. Una vegada jubilat, va afirmar que es pot continuar fent aportacions al pa de pensi\u00f3 i va detallar com es pot rescatar en forma de capital, de renda, combinant renda i capital o en renda vital\u00edcia.<\/p>\n\n\n\n

Her\u00e8ncies, donacions i compravenda de la farm\u00e0cia<\/strong><\/h2>\n\n\n\n

El passat 4 de desembre, es va celebrar la confer\u00e8ncia \u201cHer\u00e8ncies, donacions i compravenda\u201d<\/strong>, a c\u00e0rrec d\u2019Alejandro Ebrat<\/strong>, advocat, dedicat a l\u2019assessorament jur\u00eddic i tributari, assessor fiscal de COFBServeis i expert en la transmissi\u00f3 de farm\u00e0cies, i va ser coordinada per Agust\u00ed Ortega<\/strong>, gerent de COFBServeis. \u00a0<\/p>\n\n\n\n

\"Agust\u00ed<\/a>
Agust\u00ed Ortega (esquerra) i Alejandro Ebrat (dreta) durant la confer\u00e8ncia “Her\u00e8ncies, donacions i compravenda”.<\/figcaption><\/figure>\n\n\n\n

Ebrat va centrar la seva confer\u00e8ncia a analitzar les her\u00e8ncies, <\/strong>les donacions <\/strong>i la compravenda d\u2019una farm\u00e0cia<\/strong>, que \u201cs\u00f3n les tres maneres de transmetre una farm\u00e0cia\u201d<\/strong>.<\/p>\n\n\n\n

Compravenda<\/strong><\/h4>\n\n\n\n

En el moment de comprar i vendre una farm\u00e0cia<\/strong>, Ebrat va remarcar que cal tenir en compte els contractes d\u2019exclusivitat<\/strong>, el document de reserva, el contracte d\u2019arres i el contracte de compravenda de l\u2019oficina de farm\u00e0cia. Tanmateix, va recomanar fer diverses verificacions pr\u00e8vies <\/strong>en relaci\u00f3 amb la llic\u00e8ncia a l\u2019ajuntament, l\u2019autoritzaci\u00f3 del COFB, els drets d\u2019adquisici\u00f3, entre d\u2019altres.<\/p>\n\n\n\n

Aix\u00ed mateix, l\u2019advocat tamb\u00e9 va detallar els requisits<\/strong> que cal tenir presents en comprar una parafarm\u00e0cia i els punts a valorar d\u2019una farm\u00e0cia<\/strong> i els impostos<\/strong> que comporta tant pel comprador com pel venedor.<\/p>\n\n\n\n

Her\u00e8ncia<\/strong><\/h4>\n\n\n\n

Pel que fa a la transmissi\u00f3 d\u2019una farm\u00e0cia per her\u00e8ncia<\/strong>, Ebrat va apuntar que \u00e9s important tenir testament<\/strong>, a trav\u00e9s del qual \u00e9s rellevant \u201cindividualitzar\u201d<\/strong>, entre altres aspectes. Alhora, l\u2019advocat tamb\u00e9 va abordar l\u2019escenari en el cas de no haver-hi testament<\/strong> i l\u2019ordre de successi\u00f3 en aquesta casu\u00edstica<\/strong>.<\/p>\n\n\n\n

\"Ortega<\/a>
Ortega i Ebrat en un moment de la seva intervenci\u00f3. <\/figcaption><\/figure>\n\n\n\n

En darrer lloc, per tancar el bloc de l\u2019her\u00e8ncia d\u2019una farm\u00e0cia, va fer refer\u00e8ncia a l\u2019impost de successions<\/strong> i les diferents opcions que es poden donar i va recordar els canvis de la reforma de l\u2019abril de 2020 de la Llei 5\/2020.<\/p>\n\n\n\n

Donaci\u00f3<\/strong><\/h4>\n\n\n\n

En darrer lloc, l\u2019advocat va comentar els avantatges i els inconvenients de transmetre la farm\u00e0cia per donaci\u00f3<\/strong>. En relaci\u00f3 amb els avantatges<\/strong>, va exposar que \u201cla donaci\u00f3 de la farm\u00e0cia \u00e9s irrevocable, es reparteix l\u2019her\u00e8ncia en vida evitant problemes hereditaris i es transmet la propietat\u201d<\/strong>. En canvi, els principals inconvenients<\/strong> s\u00f3n que hi ha un impost de donacions, els guanys patrimonials (donar farm\u00e0cies comprades a un cost elevat) i la importaci\u00f3 i computaci\u00f3.<\/p>\n\n\n\n

Finalment, l\u2019advocat va tancar la confer\u00e8ncia recordant quins s\u00f3n els tr\u00e0mits obligatoris<\/strong> (al COFB, Hisenda, Seguretat Social i inspecci\u00f3 de sanitat) que cal dur a terme per transmetre una farm\u00e0cia i les estrat\u00e8gies de planificaci\u00f3 success\u00f2ria<\/strong>.<\/p>\n\n\n\n

<\/p>\n\n\n\n

<\/p>\n\n\n\n

\n
<\/div>\n\n\n\n
<\/div>\n\n\n\n
<\/div>\n\n\n\n
<\/div>\n\n\n\n
<\/div>\n\n\n\n
\n

Amb el patrocini de:<\/strong><\/p>\n\n\n\n

\"\"<\/a><\/figure>\n<\/div>\n<\/div>\n\n\n\n

<\/p>\n","protected":false},"excerpt":{"rendered":"

Als mesos de novembre i desembre es van celebrar al Col\u00b7legi les confer\u00e8ncies \u201cPla de pensions, tot el que necessitem saber\u201d i \u201cHer\u00e8ncies, donacions i compravenda\u201d, amb el patrocini de COFBServeis. Plans de pensions i les seves caracter\u00edstiques El 20 de novembre, es va organitzar la confer\u00e8ncia \u201cPla de pensions, […]<\/p>\n","protected":false},"author":3,"featured_media":80307,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[23,57],"tags":[18,434,19,5215,435,520,5217,4861,2930,68,69,767,5214,4863,5218,5213,5211,5210,5212,4719,436,5219,437,5216],"class_list":["post-80301","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-destacats","category-mon-collegial","tag-cofb","tag-cofbserveis","tag-collegi-de-farmaceutics-de-barcelona","tag-comprar","tag-compravenda","tag-conferencia","tag-contractes-exclusivitat","tag-donacions","tag-economia","tag-farmacia","tag-farmacia-comunitaria","tag-finances","tag-forum-cofbserveis","tag-herencies","tag-impostos","tag-jubilacio","tag-pensions","tag-pla-de-pensions","tag-plans-de-pensions","tag-servei","tag-serveis","tag-testament","tag-transmissio-farmacia","tag-vendre"],"yoast_head":"\nF\u00f2rums COFBServeis: tot el que cal saber sobre els plans de pensi\u00f3 i la transmissi\u00f3 d'una farm\u00e0cia - Col\u00b7legi de Farmac\u00e8utics de Barcelona<\/title>\n<meta name=\"description\" content=\"A finals d'any, el COFB va organitzar les confer\u00e8ncies \u201cPla de pensions, tot el que necessitem saber\u201d i \u201cHer\u00e8ncies, donacions i compravenda\u201d\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.cofb.org\/ca\/2025\/01\/02\/forums-cofbserveis-tot-el-que-cal-saber-sobre-els-plans-de-pensio-i-la-transmissio-duna-farmacia\/\" \/>\n<meta property=\"og:locale\" content=\"ca_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"F\u00f2rums COFBServeis: tot el que cal saber sobre els plans de pensi\u00f3 i la transmissi\u00f3 d'una farm\u00e0cia - Col\u00b7legi de Farmac\u00e8utics de Barcelona\" \/>\n<meta property=\"og:description\" content=\"A finals d'any, el COFB va organitzar les confer\u00e8ncies \u201cPla de pensions, tot el que necessitem saber\u201d i \u201cHer\u00e8ncies, donacions i compravenda\u201d\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.cofb.org\/ca\/2025\/01\/02\/forums-cofbserveis-tot-el-que-cal-saber-sobre-els-plans-de-pensio-i-la-transmissio-duna-farmacia\/\" \/>\n<meta property=\"og:site_name\" content=\"Col\u00b7legi de Farmac\u00e8utics de Barcelona\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/farmaceuticsbcn\/\" \/>\n<meta property=\"article:published_time\" content=\"2025-01-02T13:16:27+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-01-13T13:16:54+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.cofb.org\/wp-content\/uploads\/2025\/01\/COFB_PENSIONS_31122024_1-scaled.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1440\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Berta Mart\u00ednez\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@farmaceuticsbcn\" \/>\n<meta name=\"twitter:site\" content=\"@farmaceuticsbcn\" \/>\n<meta name=\"twitter:label1\" content=\"Escrit per\" \/>\n\t<meta name=\"twitter:data1\" content=\"Berta Mart\u00ednez\" \/>\n\t<meta name=\"twitter:label2\" content=\"Temps estimat de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"7 minuts\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.cofb.org\/2025\/01\/02\/forums-cofbserveis-tot-el-que-cal-saber-sobre-els-plans-de-pensio-i-la-transmissio-duna-farmacia\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.cofb.org\/2025\/01\/02\/forums-cofbserveis-tot-el-que-cal-saber-sobre-els-plans-de-pensio-i-la-transmissio-duna-farmacia\/\"},\"author\":{\"name\":\"Berta Mart\u00ednez\",\"@id\":\"https:\/\/www.cofb.org\/#\/schema\/person\/f32de3b41b812c85ff923cb4cc849063\"},\"headline\":\"F\u00f2rums COFBServeis: tot el que cal saber sobre els plans de pensi\u00f3 i la transmissi\u00f3 d’una farm\u00e0cia\",\"datePublished\":\"2025-01-02T13:16:27+00:00\",\"dateModified\":\"2025-01-13T13:16:54+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.cofb.org\/2025\/01\/02\/forums-cofbserveis-tot-el-que-cal-saber-sobre-els-plans-de-pensio-i-la-transmissio-duna-farmacia\/\"},\"wordCount\":1145,\"publisher\":{\"@id\":\"https:\/\/www.cofb.org\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.cofb.org\/2025\/01\/02\/forums-cofbserveis-tot-el-que-cal-saber-sobre-els-plans-de-pensio-i-la-transmissio-duna-farmacia\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.cofb.org\/wp-content\/uploads\/2025\/01\/COFB_PENSIONS_31122024_1-scaled.jpg\",\"keywords\":[\"COFB\",\"COFBServeis\",\"Col\u00b7legi de Farmac\u00e8utics de Barcelona\",\"comprar\",\"compravenda\",\"confer\u00e8ncia\",\"contractes exclusivitat\",\"donacions\",\"economia\",\"Farm\u00e0cia\",\"farm\u00e0cia comunit\u00e0ria\",\"finances\",\"F\u00f2rum COFBServeis\",\"her\u00e8ncies\",\"impostos\",\"jubilaci\u00f3\",\"pensions\",\"Pla de pensions\",\"plans de pensions\",\"servei\",\"serveis\",\"testament\",\"transmissi\u00f3 farm\u00e0cia\",\"vendre\"],\"articleSection\":[\"Destacats\",\"M\u00f3n col\u00b7legial\"],\"inLanguage\":\"ca\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.cofb.org\/2025\/01\/02\/forums-cofbserveis-tot-el-que-cal-saber-sobre-els-plans-de-pensio-i-la-transmissio-duna-farmacia\/\",\"url\":\"https:\/\/www.cofb.org\/2025\/01\/02\/forums-cofbserveis-tot-el-que-cal-saber-sobre-els-plans-de-pensio-i-la-transmissio-duna-farmacia\/\",\"name\":\"F\u00f2rums COFBServeis: tot el que cal saber sobre els plans de pensi\u00f3 i la transmissi\u00f3 d'una farm\u00e0cia - Col\u00b7legi de Farmac\u00e8utics de Barcelona\",\"isPartOf\":{\"@id\":\"https:\/\/www.cofb.org\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.cofb.org\/2025\/01\/02\/forums-cofbserveis-tot-el-que-cal-saber-sobre-els-plans-de-pensio-i-la-transmissio-duna-farmacia\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.cofb.org\/2025\/01\/02\/forums-cofbserveis-tot-el-que-cal-saber-sobre-els-plans-de-pensio-i-la-transmissio-duna-farmacia\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.cofb.org\/wp-content\/uploads\/2025\/01\/COFB_PENSIONS_31122024_1-scaled.jpg\",\"datePublished\":\"2025-01-02T13:16:27+00:00\",\"dateModified\":\"2025-01-13T13:16:54+00:00\",\"description\":\"A finals d'any, el COFB va organitzar les confer\u00e8ncies \u201cPla de pensions, tot el que necessitem saber\u201d i \u201cHer\u00e8ncies, donacions i compravenda\u201d\",\"breadcrumb\":{\"@id\":\"https:\/\/www.cofb.org\/2025\/01\/02\/forums-cofbserveis-tot-el-que-cal-saber-sobre-els-plans-de-pensio-i-la-transmissio-duna-farmacia\/#breadcrumb\"},\"inLanguage\":\"ca\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.cofb.org\/2025\/01\/02\/forums-cofbserveis-tot-el-que-cal-saber-sobre-els-plans-de-pensio-i-la-transmissio-duna-farmacia\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"ca\",\"@id\":\"https:\/\/www.cofb.org\/2025\/01\/02\/forums-cofbserveis-tot-el-que-cal-saber-sobre-els-plans-de-pensio-i-la-transmissio-duna-farmacia\/#primaryimage\",\"url\":\"https:\/\/www.cofb.org\/wp-content\/uploads\/2025\/01\/COFB_PENSIONS_31122024_1-scaled.jpg\",\"contentUrl\":\"https:\/\/www.cofb.org\/wp-content\/uploads\/2025\/01\/COFB_PENSIONS_31122024_1-scaled.jpg\",\"width\":2560,\"height\":1440},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.cofb.org\/2025\/01\/02\/forums-cofbserveis-tot-el-que-cal-saber-sobre-els-plans-de-pensio-i-la-transmissio-duna-farmacia\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Inici\",\"item\":\"https:\/\/novaorg.cofb.net\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"F\u00f2rums COFBServeis: tot el que cal saber sobre els plans de pensi\u00f3 i la transmissi\u00f3 d’una farm\u00e0cia\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.cofb.org\/#website\",\"url\":\"https:\/\/www.cofb.org\/\",\"name\":\"Col\u00b7legi de Farmac\u00e8utics de Barcelona\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/www.cofb.org\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.cofb.org\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"ca\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.cofb.org\/#organization\",\"name\":\"Col\u00b7legi de Farmac\u00e8utics de Barcelona\",\"url\":\"https:\/\/www.cofb.org\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"ca\",\"@id\":\"https:\/\/www.cofb.org\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.cofb.org\/wp-content\/uploads\/2023\/11\/cropped-Logotip-COFB.png\",\"contentUrl\":\"https:\/\/www.cofb.org\/wp-content\/uploads\/2023\/11\/cropped-Logotip-COFB.png\",\"width\":500,\"height\":105,\"caption\":\"Col\u00b7legi de Farmac\u00e8utics de Barcelona\"},\"image\":{\"@id\":\"https:\/\/www.cofb.org\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/farmaceuticsbcn\/\",\"https:\/\/twitter.com\/farmaceuticsbcn\",\"https:\/\/www.instagram.com\/farmaceuticsbcn\/\",\"https:\/\/www.linkedin.com\/company\/farmaceuticsbcn\/\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.cofb.org\/#\/schema\/person\/f32de3b41b812c85ff923cb4cc849063\",\"name\":\"Berta Mart\u00ednez\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"ca\",\"@id\":\"https:\/\/www.cofb.org\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/d4c584dab5da1ee9e3c3df161c0aabec7075cc8211cd46ffc79bfe177aa78b01?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/d4c584dab5da1ee9e3c3df161c0aabec7075cc8211cd46ffc79bfe177aa78b01?s=96&d=mm&r=g\",\"caption\":\"Berta Mart\u00ednez\"},\"url\":\"https:\/\/www.cofb.org\/ca\/author\/bmartinez\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"F\u00f2rums COFBServeis: tot el que cal saber sobre els plans de pensi\u00f3 i la transmissi\u00f3 d'una farm\u00e0cia - Col\u00b7legi de Farmac\u00e8utics de Barcelona","description":"A finals d'any, el COFB va organitzar les confer\u00e8ncies \u201cPla de pensions, tot el que necessitem saber\u201d i \u201cHer\u00e8ncies, donacions i compravenda\u201d","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.cofb.org\/ca\/2025\/01\/02\/forums-cofbserveis-tot-el-que-cal-saber-sobre-els-plans-de-pensio-i-la-transmissio-duna-farmacia\/","og_locale":"ca_ES","og_type":"article","og_title":"F\u00f2rums COFBServeis: tot el que cal saber sobre els plans de pensi\u00f3 i la transmissi\u00f3 d'una farm\u00e0cia - Col\u00b7legi de Farmac\u00e8utics de Barcelona","og_description":"A finals d'any, el COFB va organitzar les confer\u00e8ncies \u201cPla de pensions, tot el que necessitem saber\u201d i \u201cHer\u00e8ncies, donacions i compravenda\u201d","og_url":"https:\/\/www.cofb.org\/ca\/2025\/01\/02\/forums-cofbserveis-tot-el-que-cal-saber-sobre-els-plans-de-pensio-i-la-transmissio-duna-farmacia\/","og_site_name":"Col\u00b7legi de Farmac\u00e8utics de Barcelona","article_publisher":"https:\/\/www.facebook.com\/farmaceuticsbcn\/","article_published_time":"2025-01-02T13:16:27+00:00","article_modified_time":"2025-01-13T13:16:54+00:00","og_image":[{"width":2560,"height":1440,"url":"https:\/\/www.cofb.org\/wp-content\/uploads\/2025\/01\/COFB_PENSIONS_31122024_1-scaled.jpg","type":"image\/jpeg"}],"author":"Berta Mart\u00ednez","twitter_card":"summary_large_image","twitter_creator":"@farmaceuticsbcn","twitter_site":"@farmaceuticsbcn","twitter_misc":{"Escrit per":"Berta Mart\u00ednez","Temps estimat de lectura":"7 minuts"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.cofb.org\/2025\/01\/02\/forums-cofbserveis-tot-el-que-cal-saber-sobre-els-plans-de-pensio-i-la-transmissio-duna-farmacia\/#article","isPartOf":{"@id":"https:\/\/www.cofb.org\/2025\/01\/02\/forums-cofbserveis-tot-el-que-cal-saber-sobre-els-plans-de-pensio-i-la-transmissio-duna-farmacia\/"},"author":{"name":"Berta Mart\u00ednez","@id":"https:\/\/www.cofb.org\/#\/schema\/person\/f32de3b41b812c85ff923cb4cc849063"},"headline":"F\u00f2rums COFBServeis: tot el que cal saber sobre els plans de pensi\u00f3 i la transmissi\u00f3 d’una farm\u00e0cia","datePublished":"2025-01-02T13:16:27+00:00","dateModified":"2025-01-13T13:16:54+00:00","mainEntityOfPage":{"@id":"https:\/\/www.cofb.org\/2025\/01\/02\/forums-cofbserveis-tot-el-que-cal-saber-sobre-els-plans-de-pensio-i-la-transmissio-duna-farmacia\/"},"wordCount":1145,"publisher":{"@id":"https:\/\/www.cofb.org\/#organization"},"image":{"@id":"https:\/\/www.cofb.org\/2025\/01\/02\/forums-cofbserveis-tot-el-que-cal-saber-sobre-els-plans-de-pensio-i-la-transmissio-duna-farmacia\/#primaryimage"},"thumbnailUrl":"https:\/\/www.cofb.org\/wp-content\/uploads\/2025\/01\/COFB_PENSIONS_31122024_1-scaled.jpg","keywords":["COFB","COFBServeis","Col\u00b7legi de Farmac\u00e8utics de Barcelona","comprar","compravenda","confer\u00e8ncia","contractes exclusivitat","donacions","economia","Farm\u00e0cia","farm\u00e0cia comunit\u00e0ria","finances","F\u00f2rum COFBServeis","her\u00e8ncies","impostos","jubilaci\u00f3","pensions","Pla de pensions","plans de pensions","servei","serveis","testament","transmissi\u00f3 farm\u00e0cia","vendre"],"articleSection":["Destacats","M\u00f3n col\u00b7legial"],"inLanguage":"ca"},{"@type":"WebPage","@id":"https:\/\/www.cofb.org\/2025\/01\/02\/forums-cofbserveis-tot-el-que-cal-saber-sobre-els-plans-de-pensio-i-la-transmissio-duna-farmacia\/","url":"https:\/\/www.cofb.org\/2025\/01\/02\/forums-cofbserveis-tot-el-que-cal-saber-sobre-els-plans-de-pensio-i-la-transmissio-duna-farmacia\/","name":"F\u00f2rums COFBServeis: tot el que cal saber sobre els plans de pensi\u00f3 i la transmissi\u00f3 d'una farm\u00e0cia - Col\u00b7legi de Farmac\u00e8utics de Barcelona","isPartOf":{"@id":"https:\/\/www.cofb.org\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.cofb.org\/2025\/01\/02\/forums-cofbserveis-tot-el-que-cal-saber-sobre-els-plans-de-pensio-i-la-transmissio-duna-farmacia\/#primaryimage"},"image":{"@id":"https:\/\/www.cofb.org\/2025\/01\/02\/forums-cofbserveis-tot-el-que-cal-saber-sobre-els-plans-de-pensio-i-la-transmissio-duna-farmacia\/#primaryimage"},"thumbnailUrl":"https:\/\/www.cofb.org\/wp-content\/uploads\/2025\/01\/COFB_PENSIONS_31122024_1-scaled.jpg","datePublished":"2025-01-02T13:16:27+00:00","dateModified":"2025-01-13T13:16:54+00:00","description":"A finals d'any, el COFB va organitzar les confer\u00e8ncies \u201cPla de pensions, tot el que necessitem saber\u201d i \u201cHer\u00e8ncies, donacions i compravenda\u201d","breadcrumb":{"@id":"https:\/\/www.cofb.org\/2025\/01\/02\/forums-cofbserveis-tot-el-que-cal-saber-sobre-els-plans-de-pensio-i-la-transmissio-duna-farmacia\/#breadcrumb"},"inLanguage":"ca","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.cofb.org\/2025\/01\/02\/forums-cofbserveis-tot-el-que-cal-saber-sobre-els-plans-de-pensio-i-la-transmissio-duna-farmacia\/"]}]},{"@type":"ImageObject","inLanguage":"ca","@id":"https:\/\/www.cofb.org\/2025\/01\/02\/forums-cofbserveis-tot-el-que-cal-saber-sobre-els-plans-de-pensio-i-la-transmissio-duna-farmacia\/#primaryimage","url":"https:\/\/www.cofb.org\/wp-content\/uploads\/2025\/01\/COFB_PENSIONS_31122024_1-scaled.jpg","contentUrl":"https:\/\/www.cofb.org\/wp-content\/uploads\/2025\/01\/COFB_PENSIONS_31122024_1-scaled.jpg","width":2560,"height":1440},{"@type":"BreadcrumbList","@id":"https:\/\/www.cofb.org\/2025\/01\/02\/forums-cofbserveis-tot-el-que-cal-saber-sobre-els-plans-de-pensio-i-la-transmissio-duna-farmacia\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Inici","item":"https:\/\/novaorg.cofb.net\/"},{"@type":"ListItem","position":2,"name":"F\u00f2rums COFBServeis: tot el que cal saber sobre els plans de pensi\u00f3 i la transmissi\u00f3 d’una farm\u00e0cia"}]},{"@type":"WebSite","@id":"https:\/\/www.cofb.org\/#website","url":"https:\/\/www.cofb.org\/","name":"Col\u00b7legi de Farmac\u00e8utics de Barcelona","description":"","publisher":{"@id":"https:\/\/www.cofb.org\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.cofb.org\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"ca"},{"@type":"Organization","@id":"https:\/\/www.cofb.org\/#organization","name":"Col\u00b7legi de Farmac\u00e8utics de Barcelona","url":"https:\/\/www.cofb.org\/","logo":{"@type":"ImageObject","inLanguage":"ca","@id":"https:\/\/www.cofb.org\/#\/schema\/logo\/image\/","url":"https:\/\/www.cofb.org\/wp-content\/uploads\/2023\/11\/cropped-Logotip-COFB.png","contentUrl":"https:\/\/www.cofb.org\/wp-content\/uploads\/2023\/11\/cropped-Logotip-COFB.png","width":500,"height":105,"caption":"Col\u00b7legi de Farmac\u00e8utics de Barcelona"},"image":{"@id":"https:\/\/www.cofb.org\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/farmaceuticsbcn\/","https:\/\/twitter.com\/farmaceuticsbcn","https:\/\/www.instagram.com\/farmaceuticsbcn\/","https:\/\/www.linkedin.com\/company\/farmaceuticsbcn\/"]},{"@type":"Person","@id":"https:\/\/www.cofb.org\/#\/schema\/person\/f32de3b41b812c85ff923cb4cc849063","name":"Berta Mart\u00ednez","image":{"@type":"ImageObject","inLanguage":"ca","@id":"https:\/\/www.cofb.org\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/d4c584dab5da1ee9e3c3df161c0aabec7075cc8211cd46ffc79bfe177aa78b01?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/d4c584dab5da1ee9e3c3df161c0aabec7075cc8211cd46ffc79bfe177aa78b01?s=96&d=mm&r=g","caption":"Berta Mart\u00ednez"},"url":"https:\/\/www.cofb.org\/ca\/author\/bmartinez\/"}]}},"uagb_featured_image_src":{"full":["https:\/\/www.cofb.org\/wp-content\/uploads\/2025\/01\/COFB_PENSIONS_31122024_1-scaled.jpg",2560,1440,false],"thumbnail":["https:\/\/www.cofb.org\/wp-content\/uploads\/2025\/01\/COFB_PENSIONS_31122024_1-150x150.jpg",150,150,true],"medium":["https:\/\/www.cofb.org\/wp-content\/uploads\/2025\/01\/COFB_PENSIONS_31122024_1-300x169.jpg",300,169,true],"medium_large":["https:\/\/www.cofb.org\/wp-content\/uploads\/2025\/01\/COFB_PENSIONS_31122024_1-768x432.jpg",768,432,true],"large":["https:\/\/www.cofb.org\/wp-content\/uploads\/2025\/01\/COFB_PENSIONS_31122024_1-1024x576.jpg",1024,576,true],"1536x1536":["https:\/\/www.cofb.org\/wp-content\/uploads\/2025\/01\/COFB_PENSIONS_31122024_1-1536x864.jpg",1536,864,true],"2048x2048":["https:\/\/www.cofb.org\/wp-content\/uploads\/2025\/01\/COFB_PENSIONS_31122024_1-2048x1152.jpg",2048,1152,true],"trp-custom-language-flag":["https:\/\/www.cofb.org\/wp-content\/uploads\/2025\/01\/COFB_PENSIONS_31122024_1-18x10.jpg",18,10,true]},"uagb_author_info":{"display_name":"Berta Mart\u00ednez","author_link":"https:\/\/www.cofb.org\/ca\/author\/bmartinez\/"},"uagb_comment_info":0,"uagb_excerpt":"Als mesos de novembre i desembre es van celebrar al Col\u00b7legi les confer\u00e8ncies \u201cPla de pensions, tot el que necessitem saber\u201d i \u201cHer\u00e8ncies, donacions i compravenda\u201d, amb el patrocini de COFBServeis. Plans de pensions i les seves caracter\u00edstiques El 20 de novembre, es va organitzar la confer\u00e8ncia \u201cPla de pensions, […]","_links":{"self":[{"href":"https:\/\/www.cofb.org\/ca\/wp-json\/wp\/v2\/posts\/80301","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.cofb.org\/ca\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.cofb.org\/ca\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.cofb.org\/ca\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.cofb.org\/ca\/wp-json\/wp\/v2\/comments?post=80301"}],"version-history":[{"count":22,"href":"https:\/\/www.cofb.org\/ca\/wp-json\/wp\/v2\/posts\/80301\/revisions"}],"predecessor-version":[{"id":80401,"href":"https:\/\/www.cofb.org\/ca\/wp-json\/wp\/v2\/posts\/80301\/revisions\/80401"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.cofb.org\/ca\/wp-json\/wp\/v2\/media\/80307"}],"wp:attachment":[{"href":"https:\/\/www.cofb.org\/ca\/wp-json\/wp\/v2\/media?parent=80301"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.cofb.org\/ca\/wp-json\/wp\/v2\/categories?post=80301"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.cofb.org\/ca\/wp-json\/wp\/v2\/tags?post=80301"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}