Iwe Iwe Nomudzimai Wako Unoramba Uine "Ndinokuda" Wills?

Kuenda mberi kwechido chakanaka kunogona kupa zvikomborero zvakawanda kumhuri yako

Iwe newawakaroorana naye muchiri "Ndinokudai" here? Kana zvakadaro, iwe uri kushayikwa pane imwe nzvimbo inoshamisa yekugadzirisa nzvimbo, kusanganisira kugadziriswa kwematare edzimba, kuronga kwekuchengetedzwa kwemasikirwo , kuronga -kukwidzika kwechikwata, uye kuchengeta pfuma yako mumhuri yako pane kubvumira kuti iite mumaoko ehuri yechipiri yemudzimai .

Chii Chinonzi 'Ndinokuda' Chichaita?

An "Ndinokuda" Ichave chimiro chekupedzisira neChipupuriro ichocho chinowanzoshandiswa nevarume vakaroorana kana mamiriro avo emari asingabvumirwi kudiwa kwekutengesa mitero yekutengesa kuburikidza nekushandiswa kweB AB Trust kana ABC Trust .

Semuenzaniso, Zvose zvekuda uye Testamende yekupedzisira zvichava nerudzi rwemutauro unotevera:

"Pamusoro pekufa kwangu, ndinosiya nzvimbo yangu yose kune mumwe wangu, zvakananga uye pasina kuvimba."

Makomborero Okuenda Kunze Kupfuura Zviri nyore 'Ndinokuda' Wills

Kune vakaroorana vane nzvimbo dzisingabhadharwi, kuronga zvisingamborevi Ndinokuda iwe zvido zvinokurudzirwa kuitira kuti kuderedza kana kudzivisa zvachose mitero yeimba muhurumende uye / kana federal level. Panzvimbo yekusiya zvinhu zvose zvemurume akafa zvakajeka kumukadzi anoramba aripo kuburikidza neAn I Love You, kugadziriswa kwemitero kuderedza kana kubviswa kunogona kuwanikwa kuburikidza nekushandiswa kwaAbr Trust kana kuAc Trust Trust.

Asi pamwe ne federal property tax exemption iye zvino agere pa $ 5.25 mamiriyoni, kukosha kwenzvimbo kuparara, uye mutsva mutsva we " kushandiswa " kwekutengesa mitero pakati pevakaroorana, vanhu vazhinji vari kutungamirirwa zvenhema kuti vatende kuti AB Trust kana ABC Trust kuronga haisisiri chikamu chinokosha chezvigadziro zvemagariro avo.

Kunze kwekusavhiringidza kwakajeka kwekubvisa AB Trust kana urongwa hweAbc Trust mune dzimwe nyika dzakadai seMadganis , Massachusetts, New Jersey , New York neOregon dzinounganidza nyika dzehurumende mitero uye dzine mitero yakaderera yemitero, kune zvimwe zvikonzero zvakawanda nei uchienda pane zvakanyanya Ndinokuda Zvipfeko zvinofanirwa kufungidzirwa nevarume vakaroorana:

5 Zvinhu Zvaunogona Kuita

Pamusoro pezvikonzero izvi zvose, zviri nyore "Ndinokuda" Zvipfeko zvinofanira kungofungidzirwa nevarume vakaroorana vari mumamiriro mashoma. Saka kana iwe newawakaroorana naye muchiri "Ndinokuda" Wills, saka iwe unofanirwa kusangana nemutevedzeri wemagadziro ekugadzirira kukurukura zvose zvaunogona.

1. Asset Protection Planning: Kushandisa AB Trust kana ABC Tsvimbo hazvirevi kuti unofanira kuzadza A, B, uye / kana C Trust (zvakadini zvichange zvichishandiswa kubhadharwa mune chimwe chivimbo chakavimbika chinobva pane kukosha kweimba uyo wokutanga waanofa). Zvinorevei ndezvokuti A, B, uye C Zvimwe zvitendero zvose zvisingagadziriswi , uye saka chero chipi nechipi chaiva neA, B kana C Trust hachizofungidzirwi seimba yake yakasiyana yakasiyana uye saka, inofanira kudzivirirwa kubva vatengi, zvikara, uye mhosva. Izvi zvinorevei kuti kunyange kana nzvimbo yevakaroorana isingabhadharwi, vanogona kushandisa zvinyorwa zvekuchengetedzwa kwebasa reB Trust kunyange kana iri chete chivimbo chinoda kubhadharwa mushure mokunge wawakaroorana naye afa.
2. Kurambana Kudzivirirwa Kuronga: Chii chinogona kuitika kana mudzimai akasiyiwa asara zvinhu zvose kuburikidza neIkuda Iwe iwe uye ipapo musikana anenge aripo anoguma achiroorazve pasina kupinda muchibvumirano chisati chaitika? Zvadaro mararamiro ekutanga emudzimai achange achinetseka kune zvinotaurwa nemumwe wako kana imba yechipiri inopera mukurambana. Izvi zvinogona kudziviswa kuburikidza nekushandiswa kweAAB Trust kana ABC Tsvimbo nokuda kwezvikonzero zvakafanana izvo izvi zvinotendesa kupa hutsika hwekuchengetedzwa kwezvinhu - izvozvivimbiso hazvigadziriki uye hazvifungidziri kuti pfuma yega yega yakasara, saka zvinhu zvakachengetwa mukutenda hazvifaniri kutarisirwa kupatsanurana mukugadzirisa kurambana.

1. Kuchengeta Nhengo Mumhuri: Ndezvipi zvimwe zvinogona kuitika kana mudzimai akasiyiwa asara zvinhu zvose kuburikidza neIkuda Iwe uye ipapo musikana anenge aripo anoguma achiroorazve pasina kupinda muchibvumirano chisati chaitika? Ipapo musikana anenge aripo akasununguka kuti aite itsva I Love Will pamwe newavo vatsva pamwe chete uye kusiya zvose kune mumwe munhu wawakaroorana naye panzvimbo yevana vokutanga vana vavo kana vamwe vanobatsirwa. Izvi zvinogona kudzivirirwa nekushandiswa kweB AB Trust kana ABC Trust sezvo izvi zvingatora zvinyorwa kuti zvichengetedze mukadzi anenge achiri mupenyu munguva yake yeupenyu husara asiwo kuchengetedza mutungamiri kuitira kuti vabatsire vana vemwana wakafa kana vamwe vanobatsirwa pashure uyo anoramba ari mupenyu anofa. Izvi zvinonyanya kukosha apo mumwe nemumwe wavo ane imwe yakasiyana yevashandi vekupedzisira.

1. Imba yekurapa mitero: Ndiani anoziva zvichaitika ne federal estate tax uye iyi mutsva we "portability"? Kunyange zvazvo federal estate tax tax exemption ikozvino inogara pa $ 5.25 mamiriyoni, Congress inoramba ichitsvaga nzira dzokusimudzira mari uye kubhadhara mari yevakafa inoremekedzwa kune vamwe kunze kwekubhadhara vapenyu. Chinhu chakanaka pamusoro pekushandisa AB Trust kana kuti ABC Trust kuronga ndeyekuti B Trust haazombotungamiri nemitero yemitoro mushure mokunge mumwe wavo anenge aripo anofa pasinei nekutengesa mutero panguva iyoyo kana kuti kusunungurwa kwekuregererwa kuchave kuripo. Nokudaro, B Trust ndiyo inokosha yekugadzirisa zvigadziro zvekukomberedza kushanduka kwemazuva ano mune zvematongerwo enyika pamwe nematongerwo emitero yematunhu.
2. Chizvarwa-Kugadzirira Kupera: Kunyange zvazvo federal property tax exemption ikozvino "inotakurwa" pakati pevakaroorana, chizvarwa-kutsika kutengesa mutero musingaiti. Nokudaro, kuitira kuti vakaroorana vawedzere kushandiswa kwekubatana kwavo kwechizvarwa-kubvumira kutengesa mitero, AB Trust kana ABC Trust kuronga inoda. Izvi zvichave zvakakosha zvikuru kune vakaroorana vane dzimba inopfuura yezvino federal estate tax inokonzerwa ne $ 5.25 mamiriyoni asi inopfuura kudarika kubhadhara $ 10.5 mamiriyoni. Kushandisa AB Trust kana kuti ABC Trust kuronga kuchabvumira vaviri vacho kuti vatapure mari yakaenzana nezviviri nguva yavo yekuzvarwa-kutsika kutengesa mitero yekuteresa sezvo pasina urongwa hwomudzimai anenge aripo achange asingakwanisi kudarika $ 5.25 mamiriyoni kuburikidza nechizvarwa-skipping trust .

Cherechedza: Mitemo yehurumende nemunharaunda inoshandura kakawanda uye ruzivo runotevera harungarati kuchinja kwezvino. Nokuda kwekutengesa mitero kana mazano emutemo, tapota taurirana neActeurant kana gweta sezvo ruzivo rwakanyorwa munyaya ino harusi mutero kana mazano ezvemutemo uye harisi kubhadhara mutero kana mazano emutemo.