Vakaroorana Vanokwanisa Kushandisa QDROs Kuparadzanisa Masimba Okurasikirwa muChirango
Kugadzirisa nyaya dziri mberi ndeyekubhadhara mutero-kunakidzwa kwekodhi yemakambani ekurega basa. Pasi pemamiriro ezvinhu akafanana, chero chinhu chinotorwa kunze kwekurega basa chinogona kuendeswa mberi nekuregererwa kwechirango . Asi kurambana hakusi kungofanana. Ndiyo apo mapepa akakodzera anogona kubatsira. Inonzi QDRO, hutano hwakanaka hwehukama hwehukama , uye kana iwe uchirambana nemumwe wako ndizvo zvaunoda kuparadzanisa hurongwa hwekubvisa mari. QDRO inonyanya kugadziriswa, yakanyorwa mune imwe nzira, iyo inoona imwe nzira yepayee yezvinhu zviri mukati mekambani. Mune mamwe mazwi, iri murairo wenheyo inovimbisa kuti vanhu vanopfuura mumwe chete vanozobatsirwa nekuchengetedza mari.
Kunzwisisa QDRO
Pane zvinhu zvishoma zvakakosha zvikuru zvekuziva pamusoro peKDRO, nokuti kusaziva kunogona kudhura. Pasinei nezera rako, mari yakabviswa neQDRO haisi pasi peiyo inowanzoita 10 muzana yekutanga kutora chirango chechirango .
Zvinosuruvarisa, iwe unogona kutarisana nyore nyore nezvikwereti izvo zvinowanikwa nechimwe chinhu chakanganisa QDRO kukanganisa.
QRDO inoratidzira hukama hwehurumende, zvinoreva kuti inogadzirwa nemutongi kana mutemo, uye inosimba zvakanyanya sokutsigira mwana, alimony, kana imwe imwe nzvimbo inopiwa kune mumwe nomumwe muwanano mukurambana. Hurumende inofanirwa kupinda mutongo kana chirevo chinotsigira kana chibvumira QDRO, uye inofanirawo kuonekwa nehurumende yehurumende iri pasi pe ERISA .
Izvozvo zvinogona kuva muwani, wawakaroorana naye, mwana kana kuti mumwe anovimba naye. Mamwe marudzi ezvimwe zvikwereti haazofungi.
Tsamba idzi dzinofanirwa kuumbwa neimwe nzira kuti dzionekwe sedzakakodzera. Inofanira kusanganisira:
- Zita remuti wegadziri uye kero yeposi
- Alternate payee nezita uye mail
- Percentage inoenda kune imwe nzvimbo yepayee
- Izvozvo zviyero zvakatemwa
- Nhamba yebhadharo inowanikwa muhurongwa
- Kubhadhara kunofanira kuitwa sei
Inofanira kunge yakanyatsosimbiswa kuti ionekwe inoshanda pasi pemutemo. Kana wabvumidzwa, rugwaro rweKQRO rwakapiwa kurongwa wehurongwa, uyo anobva aita chirongwa mukati meQDRO. Izvo chirongwa chirongwa chichatsanangurira chimwe chepaye chechirongwa, pamwe chete nekukodzera kwayo uye mirairo. Mhedziso yezviito ichave yakataurwa.
Mawaniro Ekuwana QDRO
Kana iwe uri kurambana, tanga nekukumbira mamwe mashoko kuburikidza nomukuru we 401 (k) , 403 (b) , 457 (b) , tsanangudzo yepenjeni inobhadharwa kana yeruzhinji yakabhadhara mari (kusanganisira IRAs). Panogona kuva nechimiro chemaitiro chinoshandiswa nechirongwa chakasununguka uye chiri nyore kuzadza iwe pachako. Gweta rinogonawo kutora QDRO panzvimbo yako, iyo inogona kunge yakakosha mari yakawedzerwa kana ichipa chivimbo chokuti urongwa huchaitwa nenzira yakarurama.
Dhipatimendi reBashandi rine QDRO kakawanda yakabvunza mibvunzo kuti ikubatsire kunzwisisa zvimwe zvemitemo.
Zvaungaita NeQDRO Assets
Kana wakagamuchira kana kuronga kugamuchira hurongwa hwekurega basa kuburikidza neQDRO, une zvakawanda zvingasarudzwa. Unogona kutora mari semari yemari uye unobhadhara mitero mairi nhasi. Asi kana iwe uchikwanisa kumirira, kufamba kwakanaka kunogona kunge kuri kuchengetedza mari iri muhutano hwekuita basa (semuenzaniso 401k) uye rega ienderere mberi kukura mitero-yakasarudzwa kusvika pakubhadhara . Iwe unogona kutotanga QDRO kuitira kuti rimwe sangano (iwe) risiye mari yacho muchirongwa chemumwe wako asi chengetedza kukwanisa kuisa chikamu chako sezvaunosarudza. Kana iwe unogona kuisa mari yacho muRRA rollover iyo inochengetedza mutero wemitero-yakadzoserwa uye zvakakwana pasi pekutonga kwako.
Saka usarega kurambana kunoparidzira mararamiro ako ekurega.
QDRO inogona kunge isina nyore, asi inobatanidza nzira yekuparadzanisa dendere rako mazai.