Vanhu vazhinji vane ruzivo rwakawanda rwekutarisana nezvinoitika mushure mekufa wavo vafa uye ivo vakanzi zita reTrusteti anotsiva avo vachave vari kutarisira kugadzirisa Revocable Living Trust wavo . Chinangwa chemufambisi uyu ndechekupa mhedziso yakawanda yezvikwiriso zvitanhatu zvinotarisirwa kugadzirisa nekugumisa revocable Living Trust mushure mokunge waTrustmaker afe.
01 Inventory
Nhanho yekutanga mukugadzirisa Revocable Living Trust ndeyokuwana zvose zvakanyorwa zvepakutanga zvinyorwa zvekugara uye mamwe mapepa anokosha. Kunze kwekuwana chibvumirano chekutanga cheRevocable Living Trust uye chero chipi chechivimbo chekugadziriswa, iwe uchazofanirawo kutsvaga decedent's original -over-will Will .
Mukuwedzera, chirevo chinogona kunge chakasiya mhemberero yakanyorwa, kupisa, kuvigwa kana kuti chiyeuchidzo mirairo uye yemugovera memorandamu . Zvose zvinyorwa zvepakutanga zvinofanira kuchengetwa munzvimbo yakachengeteka kusvikira zvigone kupiwa mutongi wenzira.
Zvinyorwa zvimwe mapepa anokosha zvichasanganisira ruzivo pamusoro pezvinhu zvakasikwa, kusanganisira mabhizinesi nekutengeserana, zvikwangwani zvekuchengetedza uye zvisungo, inshuwarisi yehupenyu, zvinyorwa zvekambani, motokari uye zvigaro zvezvikepe, uye mabasa edzimba; uye ruzivo pamusoro pezvakabhadhara zvikwereti, kusanganisira mabhizimusi ehurumende, zvikwereti zvekadhi rechikwereti, zvikwereti zvekwereti, zvikwereti zvemunhu, zvikwereti zvemari uye mari yemariro. Tsvaga Ndezvipi Zvinyorwa Zvinodikanwa Mushure mekufa Kwekufa? kuti uwane ruzivo rwakanyanya rwemashoko chaiwo aunoda kuvapo.
Kana kamwe chete magwaro anokosha ave akawanikwa, verenga Revocable Living Trust kuti uone zvarinotaura. Paunenge uchitarisa chivimbo, nyora pamusoro pezvirevo zvinotevera - mirayiridzo inokosha pamusoro pemarondedzero emariro, kupisa kana kuvigwa; uyo anowana zvakashata zvaanoita; uyo anowana chero zvikwereti zvakananga; uyo anowana iye wakagadzikana wekuvimba kwekugara; uyo anonzi seTrusti (s) anotsiva (s) kugadzirisa chivimbo pamwe naiye anonzi saTrasti (s) yezvimwe zvitendero zvinoda kuumbwa ikozvino izvo Mutendimaker akafa; zuva uye nzvimbo iyo chibvumirano chekuvimba chakasayinwa; uye uyo akasaina chivimbo ichi sezvapupu uye Notary Public.
Mukuwedzera pakuverenga reRevocable Living Trust nekupfupisa zvarinotaura, kudzokorora zvinyorwa zvezvemari zvakanyatsoita uye kunyora mazita ezvakanyorwa uye zvakakodzerwa, kuti imwe yefa yega yega inonzi sei (muzita rekuvimba, muzita raAtendaker, sevashandi vari pamwe chete , kana mazita akabatana nemumwe munhu), uye, nokuda kwezvinhu uye zvikwereti zvine chirevo, kukosha kwemari kana chikwereti sezvakanyorwa pane chirevo uye zuva rekutaura. Mukuwedzera, iyo yakagadziriswa yakatarwa makore matatu emitero yemitero inoshandiswa inofanira kunge iripo uye inogadziriswa.
Kana imwe nguva mapepa anokosha akave akarongedzwa kuburikidza, chinotevera ndechekusangana nemuchengeti wekutenderera kuti aone kana chirongwa ichi chichadiwa uye kana rubatsiro rwegweta ruchadikanwa kuti rugadzire kuvimba.
02 Ungasangana neAtorney Attorney
Kana imwe nguva mabhuku epamutemo epamutemo uye mamwe mapepa anokosha akagadziriswa, danho rinotevera mukugadzirisa Revocable Living Trust ndiko kusangana nemutongi wekutenda kuti aone kana chirongwa ichi chichadiwa uye kana rubatsiro rwenyanzvi ruchadikanwa kuti rubatsire nekugadzirisa uye ipapo kugumisa chivimbo.
Kana chirongwa ichi chizodiwa, zvino taura ku Nhanho Nhanho Nhungamiro Yokuzarura Probate Estate uye Nhanho Nhanho Nhungamiro yekuendesa Chivako kuti uwane ruzivo rwakanyanya pamusoro penyaya yekuongorora. Tarisa Kuda Iwe Unoda Kubhadhara Gweta Kuti Ugadzirise Kurambidzwa Kwekuchengetedzwa Kwekuvimba? nokuda kwechikonzero chezvikonzero nei gweta rekutenda richigona kudiwa kubatsira nekugadzirisa kuvimba.
Mushure mekunge maona kana chirongwa ichi chizodiwa uye, kunyange kana zvisingaiti, kana iwe uchida rubatsiro rwemugweta kuti agadzirise chivimbo, danho rinotevera nderekugadza zuva rekufa kwehutano hwezvinhu zvose zvakagadzirwa.
03 Shandisai maApriedent's Assets
Kana uchinge wasangana nemuteereri wekuvimba, danho rinotevera mukugadzirisa chivimbo ndechokugadza zuva rekufa kwehutano hwezvose zvakasikwa zvezvinhu.
Nzvimbo dzose dzezvemari apo nzvimbo dzakagadziriswa dziripo dzinofanira kunge dzichibatanidzwa kuti dziwane zuva rekufa kwehutano. Nezvimwe zvinhu zvinosanganisira zvivako zvekumba, zvigadzirwa zvemunhu, kusanganisira zvishongo, zvigadzirwa, uye zvigadziriswa, uye zvakanyatsobatanidzwa nemabhizimisi, ivo vachada kuongororwa nemudzidzi wechirangaridzo.
Cherechedza kuti kukosha kwezvinhu zvose zvakagadziriswa zvinoda kuiswa, kusanganisira avo vanopfuura kunze kwekutenda, kuitira kuti vaone kana kune mitero yematoro uye / kana kuti mitero yemhaka ichakweretwa. Nhaka dzinogona kupfuura kunze kwekuvimba dzinogona kusanganisira avo vakange vari vevarimi vese kana vashandi pamwe chete vanobatana nekodzero yokupona , inowanikwa pavakafa kana kuendeswa kune dzimwe nhoroondo dzerufu , uye inshuwarano yehupenyu, IRAs, 401 (k) s uye annuities ne dzinonzi beneficiaries. Tsvaga Ndezvipi Zvisingatengeswi Pfuma uye Zvave Zvichibatanidzwa Muimba Yako? kuti aone kuti chii, kana chiripo, icho chisina kukwana chakanaka chaiva nacho.
Imwe zuva rekufa kwehutano rakataridzirwa kune zvakakodzerwa zvayo, nhanho inotevera ndeyekubhadhara mabheji ekupedzisira ekupedzisira uye yekuenderera mari yekutarisira chivimbo.
04 Kubhadhara Bhizimusi uye Mari
Ndiyo basa raMutongi wekutsvaga kuti aone kuti zvikwereti zvakakosha zvakakwereta panguva yekufa, tsvagai kana mabhiriro ari akakodzera, uye ipapo ubhadhara mabhiriro. Mutungamiri anotsiva achavawo ane kodzero yekubhadhara mari inoshandiswa yekugadzirisa kuvimba, sekubhadhara mari yemitemo, chero mari yemari yekubhadhara, zvigadzirwa zvemari, mari yemishandiro yveshuwarisi, mari yekubhadhara chikwereti uye mari yeimba yekodhini kana kondomu.
Pane imwe nguva Mutongi wevateveri akaripa mari yemari yekupedzisira uye ane mari yekuvimba iri pasi pekutonga, danho rinotevera nderekubhadhara mitero yemari uye mari yemitoro inogona kunge yakakodzera.
05 Kubhadhara Mitero
Pane imwe nguva Mutongi wevateveri akaripa mari yekupedzisira uye ane hutano huripo huri pasi pekutonga, danho rinotevera mukugadzirisa chivimbo chacho kuribhadhara mitero yemari yekuwana uye mitero yekufa inogona kunge yakakodzera.
Mutungamiri anotsiva achada kugadzirisa uye kuisa iyo yakagadziriswa yekupedzisira yehurumende uye / kana yehurumende inobhadhara mutero uye kubhadhara mitero ipi zvingave yakakodzera panguva yakakodzera. Mhedziso yekupedzisira yemutero wekubhadhara mutero ichave yakakodzera musi waApril 15 wegore mushure megore rakasununguka rekufa.
Kunze kwekuisa fomu yekupedzisira yemari yekudzorera mutero, kana iyo dzimba inowana mari munguva yehutungamiri, ipapo Mutungamiri anotsvaga achada kugadzirira uye kuisa zvose zvinoda federal yemari yemitero inosvika ( IRS Form 1041 ) uye chero ipi zvayo inoda hupfumi mutero wemari inoshandiswa.
Kana iyo decedent's estate inobhadharwa nehurumende uye / kana hurumende inotarisirwa mutero, ipapo Mutungamiri anotsiva achava nebasa rekugadzirira nekuisa feraleral estate tax return (IRS Form 706) uye / kana yehurumende yemitero uye / kana nyika inhaka mutero wekudzoka, uye zvino kuripa mutero wemutero (s).
Cherechedza kuti zvimwe zvitendero zvingadiwa kuti uise feraleral estate tax return kunyange zvazvo pasina mutero weimba inenge yakakodzera. Rondedzerai Ndeipi iyo Federal Estate Tax Kudzorera Inoda Kuiswa? kuti aone kana Fomu 706 ichishandiswa kuiswa kune iyo yakagadzirirwa kuvimba.
Taurai Ndeapi Mitero Inofanira Kuitika Mushure mekufa Kweumwe Munhu? semutungamiri kune mhando dzakasiyana dzemitero inogona kunge yakakodzera uye mutero unodzoka huchada kuiswa.
Kana imwe chete yemutero wemari uye mitero yematoro yakagadziriswa, danho rekupedzisira kugadzirisa dzimba nderokupa kugovera kwezvasara kune vanovimba nevatendi uye kugumisa chivimbo.
06 Paridza uye Endedze
Kazhinji, mubvunzo wokutanga uyo vanovimba nevatendi vachakumbira Mutungamiriri wevateveri " Ndichatora rini nhaka yangu? " Asi zvinosuruvarisa kune avo vanobatsirwa, kugovera kugovera kwezvinhu zvakasara zvekutarisira kune avo vanobatsirwa ndiyo danho rokupedzisira mukugadzirisa Revocable Living Trust.
Asati aita chero zvipi zvazvo kune avo vanovimba nevatendi, Mutungamiriri wevatevera anofanira kuva nechokwadi chekuti mari imwe neimwe yekutarisira chivimbo (uye probate estate kana pane imwe) uye mitero yose yakabhadharwa kana kuti zvinhu zvakakwana zvakasarudzwa kuti zvibhadhe mari yekupedzisira nemitero.
Kana zvisina kudaro, kana Mutongi anotsiva akasarudza kugovera kune avo vanobatsirwa asi mari inowedzera mushure mezvo, Mutsigiri anotsiva anofanira kubhadhara mari iyi kubva muhomwe yake.
Mukuwedzera, kana kuongororwa kwezvimwe zvezvinhu zvakaderera zvaive zvakakodzera, zvino avo vanozofanirwa kudikanwa kusvikira vakatarisa imba yekuvharidzirwa yakavharwa uye iyo probate assets yakatamirwa kune Mutungamiri anotsiva mberi kwekuti chivimbo chingagumiswa uye avo vanogona kuwana nhaka yavo.
Kana hutungamiri hwekuvimba huri kutarisirwa kutora nguva inopfuura gore, ipapo Mutongi wekutsvaga anofanira kushanda pamwe chete nemuchengeti wemubatanidzwa uye mutori wenhau kuti aronga kuisa pfuma yakakwana yekubhadhara mari inoenderera mberi yekutenda uye nekupa kugoverwa kune vanovimba vanovimba mune zvakawanda zvikamu panzvimbo pane mune rimwe chidimbu chemari.