{"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\/es\/2025\/01\/02\/forums-cofbserveis-tot-el-que-cal-saber-sobre-els-plans-de-pensio-i-la-transmissio-duna-farmacia\/","title":{"rendered":"Foros COFBServicios: todo lo que hay que saber sobre los planes de pensi\u00f3n y la transmisi\u00f3n de una farmacia"},"content":{"rendered":"

En los meses de noviembre y diciembre se celebraron en el Colegio las conferencias "Plan de pensiones, todo lo que necesitamos saber"<\/strong> y "Herencias, donaciones y compraventa"<\/strong>, con el patrocinio de COFBServicios<\/a>. <\/p>\n\n\n\n

Planes de pensiones y sus caracter\u00edsticas<\/strong><\/h2>\n\n\n\n

El 20 de noviembre, se organiz\u00f3 la conferencia "Plan de pensiones, todo lo que necesitamos saber"<\/strong> a cargo de Rosa Sentandreu<\/strong>, European Financial Adviser del Grupo ERSM, y cont\u00f3 con la presentaci\u00f3n del gerente de COFBServeis, Agust\u00ed Ortega<\/strong>.<\/p>\n\n\n\n

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

Los objetivos<\/strong> de la conferencia fueron proporcionar conocimientos para comprender los pilares del ahorro y la tasa de reemplazo de las pensiones<\/strong>, conocer las opciones diferentes de diversificaci\u00f3n del riesgo<\/strong>, entender el funcionamiento del plan de pensiones<\/strong> y dominar la fiscalidad de las aportaciones<\/strong> y del rescate de los planes de pensiones.<\/strong> Antes de iniciar la conferencia, Agust\u00ed Ortega<\/strong>, gerente de COFBServeis, explic\u00f3 las \u00faltimas novedades<\/strong> puestas en marcha desde la empresa de servicios. En este sentido, Ortega destac\u00f3 el servicio de suministro el\u00e9ctrico<\/strong>, puesto en marcha en 2023 y que ya cuenta con 450 farmacias adheridas<\/strong>, as\u00ed como los servicios jur\u00eddicos<\/strong> y las seguros personales<\/strong> (motor, hogar, vida, patinetes, salud) como profesionales<\/strong>.<\/p>\n\n\n\n

\"Rosa<\/a>
Rosa Sentandreu y Agust\u00ed Ortega en un momento de la conferencia sobre pensiones. <\/figcaption><\/figure>\n\n\n\n

A continuaci\u00f3n, Rosa Sentandreu<\/strong>, European Financial Adviser del Grupo ERSM, a iniciar la conferencia haciendo referencia al ciclo de la vida en el \u00e1mbito financiero<\/strong>, que resumi\u00f3 con: la introducci\u00f3n en el mundo laboral<\/strong>, el inicio de ganar dinero<\/strong>, seguido de una fase deendeudamiento<\/strong>. Sentandeu indic\u00f3 que, despu\u00e9s de la fase de endeudamiento, suele haber una acumulaci\u00f3n de ahorro<\/strong>, seguida de la llegada de otra fase vital que es la venta de activos<\/strong> y la descapitalizaci\u00f3n<\/strong> por tener una \u201cbuena o confortable jubilaci\u00f3n\u201d<\/strong>.<\/p>\n\n\n\n

Si preguntamos, "hay muchas cosas que nos preocupan y que no verbalizamos", asegur\u00f3 Sentandreu. As\u00ed pues, mencion\u00f3 el estudio "Motivos de estr\u00e9s y bienestar a las personas" <\/strong>de Employee Financial Wellness que especifica que preocupa mucho la econom\u00eda y las finanzas (46%)<\/strong>, seguido de los temas laborales (17%)<\/strong>, las relaciones sociales (15%)<\/strong>, la salud (14%) <\/strong>y otros (8%)<\/strong>. \u00bfQu\u00e9 ofrecen las entidades financieras en lo que se refiere a la econom\u00eda y las finanzas?<\/strong> Muchos productos como letras del Tesoro, hipoteca inversa, cartera gestionada, renta vitalicia, acciones, fondos de inversi\u00f3n renta fija, fondos de inversi\u00f3n renta variable, planes de pensiones, inmuebles, entre otros. Sentandreu coment\u00f3 que, para ella, \u201clas finanzas son como una c\u00f3moda\u201d y que, por eso, \u201ces recomendable realizar diferentes inversiones por diferentes necesidades\u201d<\/strong>. El European Financial Adviser del Grupo ERSM tambi\u00e9n comparti\u00f3 algunas cifras destacadas como la tasa de sustituci\u00f3n por pa\u00edses<\/strong>, que "es el porcentaje de la pensi\u00f3n de jubilaci\u00f3n sobre el \u00faltimo sueldo recibido en la etapa laboral"<\/strong>, la evoluci\u00f3ny<\/strong>\u00f3 general del fondo de reserva de la Seguridad Social y el n\u00famero de pensionistas y de trabajadores activos.<\/p>\n\n\n\n

\"Rosa<\/a>
Rosa Sentandreu durante su exposici\u00f3n.<\/figcaption><\/figure>\n\n\n\n

Seguidamente, repas\u00f3 las distintas tipolog\u00edas de planes de pensiones<\/strong> y sus caracter\u00edsticas. Concretamente, profundiz\u00f3 en los planes de pensiones individuales, asegurados, de empleo de previsi\u00f3n social empresarial, de empleo simplificados<\/strong>. \u00bfSobre la pregunta que por qu\u00e9 hay que ahorrar en planes de pensiones? Rosa Sentandreu indic\u00f3 que por fiscalidad<\/strong>, "las aportaciones que hagas a tu plan de pensiones durante el a\u00f1o se desgravar\u00e1n de tu base imponible del IRPF"<\/strong>.<\/p>\n\n\n\n

Durante su conferencia tambi\u00e9n especific\u00f3 qu\u00e9 son los planes de pensiones de empleo simplificados para aut\u00f3nomos<\/strong>, los ventajas<\/strong> y las garant\u00edas<\/strong> de los planes de pensi\u00f3n. Por \u00faltimo, Sentandreu especific\u00f3 la situaci\u00f3n de los planes de pensiones en el momento de la jubilaci\u00f3n. Una vez jubilado, afirm\u00f3 que se puede seguir realizando aportaciones al pan de pensi\u00f3n y detall\u00f3 c\u00f3mo se puede rescatar en forma de capital, de renta, combinando renta y capital o en renta vitalicia.<\/p>\n\n\n\n

Herencias, donaciones y compraventa de la farmacia<\/strong><\/h2>\n\n\n\n

El pasado 4 de diciembre, se celebr\u00f3 la conferencia \u201cHerencias, donaciones y compraventa\u201d<\/strong>, a cargo deAlejandro Ebrat<\/strong>, abogado, dedicado al asesoramiento jur\u00eddico y tributario, asesor fiscal de COFBServeis y experto en la transmisi\u00f3n de farmacias, y fue coordinada por Agust\u00ed Ortega<\/strong>, gerente de COFBServeis. \u00a0<\/p>\n\n\n\n

\"Agust\u00ed<\/a>
Agust\u00ed Ortega (izquierda) y Alejandro Ebrat (derecha) durante la conferencia "Herencias, donaciones y compraventa".<\/figcaption><\/figure>\n\n\n\n

Ebrat centr\u00f3 su conferencia en analizar las herencias, <\/strong>las donaciones <\/strong>y la compraventa de una farmacia<\/strong>, que \u201cson las tres formas de transmitir una farmacia\u201d<\/strong>.<\/p>\n\n\n\n

Compraventa<\/strong><\/h4>\n\n\n\n

En el momento de comprar y vender una farmacia<\/strong>, Ebrat remarc\u00f3 que hay que tener en cuenta los contratos de exclusividad<\/strong>, el documento de reserva, el contrato de arras y el contrato de compraventa de la oficina de farmacia. Sin embargo, recomend\u00f3 hacer varias verificaciones previas <\/strong>en relaci\u00f3n con la licencia en el ayuntamiento, la autorizaci\u00f3n del COFB, los derechos de adquisici\u00f3n, entre otros.<\/p>\n\n\n\n

Asimismo, el abogado tambi\u00e9n detall\u00f3 los requisitos<\/strong> que hay que tener presentes al comprar una parafarmacia y los puntos a valorar de una farmacia<\/strong> y los impuestos<\/strong> que comporta tanto por el comprador como por el vendedor.<\/p>\n\n\n\n

Herencia<\/strong><\/h4>\n\n\n\n

En cuanto a la transmisi\u00f3n de una farmacia por herencia<\/strong>, Ebrat apunt\u00f3 que es importante tener testamento<\/strong>, a trav\u00e9s del cual es relevante \u201cindividualizar\u201d<\/strong>, entre otros aspectos. Asimismo, el abogado tambi\u00e9n abord\u00f3 el escenario en el caso de no haber testamento<\/strong> y el orden de sucesi\u00f3n en esta casu\u00edstica<\/strong>.<\/p>\n\n\n\n

\"Ortega<\/a>
Ortega y Ebrat en un momento de su intervenci\u00f3n. <\/figcaption><\/figure>\n\n\n\n

Por \u00faltimo, para cerrar el bloque de la herencia de una farmacia, hizo referencia a el impuesto de sucesiones<\/strong> y las diferentes opciones que se pueden dar y record\u00f3 los cambios de la reforma de abril de 2020 de la Ley 5\/2020.<\/p>\n\n\n\n

Donaci\u00f3n<\/strong><\/h4>\n\n\n\n

Por \u00faltimo, el abogado coment\u00f3 los ventajas y los inconvenientes de transmitir la farmacia por donaci\u00f3n<\/strong>. En relaci\u00f3n con los ventajas<\/strong>, expuso que "la donaci\u00f3n de la farmacia es irrevocable, se reparte la herencia en vida evitando problemas hereditarios y se transmite la propiedad"<\/strong>. En cambio, los principales inconvenientes<\/strong> son que existe un impuesto de donaciones, las ganancias patrimoniales (dar farmacias compradas a un coste elevado) y la importaci\u00f3n y computaci\u00f3n.<\/p>\n\n\n\n

Por \u00faltimo, el abogado cerr\u00f3 la conferencia recordando cu\u00e1les son los tr\u00e1mites obligatorios<\/strong> (en el COFB, Hacienda, Seguridad Social e inspecci\u00f3n de sanidad) que es necesario llevar a cabo para transmitir una farmacia y las estrategias de planificaci\u00f3n sucesoria<\/strong>.<\/p>\n\n\n\n

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

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

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Con el patrocinio de:<\/strong><\/p>\n\n\n\n

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

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

En los meses de noviembre y diciembre se celebraron en el Colegio las conferencias \u201cPlan de pensiones, todo lo que necesitamos saber\u201d y \u201cHerencias, donaciones y compraventa\u201d, con el patrocinio de COFBServeis. Planes de pensiones y sus caracter\u00edsticas El 20 de noviembre, se organiz\u00f3 la conferencia \u201cPlan de pensiones, [\u2026]<\/p>","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 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