Izvo Zvakakura Zvakadini Kuisa Chivimbo Mushure meMutendi Anofa?

by Julie Garber

Upenyu Hwakarasika Hwakavimba Nemari uye Mari

Chimwe chinhu chisingazivikanwi pamusoro pekuregererwa kwehupenyu chekutenda mari ndeyekuti haisi yekusakosha, kunyanya kana kugadzirisa chivimbo mushure mekufa kwemutendi. Kunyange zvazvo mari yakawanda yekugadzirisa mararamiro ehupenyu isingasviki pakugadzirisa dzimba kuburikidza nedare remhosva , chivimbo chako chicharamba chiine mari yakawanda. Heano zvimwe zvezvakanyanya kufanana.

01 Successor Trustee Mutengo

Mumwe mutongi anotsiva ndiye munhu anofamba uye anotora simba apo mutendi kana munhu anopa mvumo - munhu akaita uye achibhadhara mari yekutenderera - anenge asina simba kana kufa. Muzviitiko zvakawanda, uyo anopa chikamu chekutaridzika chinorambidzwa anoshanda semutongi munguva yehupenyu hwake.

Successor trustee yemari inogona kutarisirwa nemitemo ye revocable living living agreement kana nehurumende yemitemo. Mitemo iyi inowanzopa mirayiridzo yezvinhu zvinonzi " mari inonzwisisika " inotaridzika kuti yakaoma sei kuvimba kwayo, nguva yakareba sei iyo inotora kugadzirisa uye kugadzirisa uye kana nzvimbo yevatendi inotarirwa nemitero yematoro. Mitemo inotorawo kufunga kana kuvimbika kwekutendwa kana kusarudzwa kwevatongi vatsiva kunogona kuva kana kupikiswa nevatsigiri vanovimba .

02 Mhosva yemhosva

Iyi mitero inotsanangurirwa nemitemo yesungano yekutenda kana nemutemo wehurumende. Zvinowanzoverengwa zvakafanana kune mutero wevateveri.

03 Kubhadhara mari

Mari yekubhadhara mabhuku ichasiyana zvichienderana nehuwandu hunokosha hwekuvimba uye rudzi rwemari iyo inobata. Chivimbo che "chiduku" chinoenderana nehuwandu hwayo hunogona kuva nematokari uye zvisungo zvakasiyana, uye izvi zvinogona kuwedzera zvakawanda munzira yekubhadhara mari kudarika hukuru, hutariro hunokosha hunongova pokugara, bhengi , uye CD .

Kana muridzi wemugove ari pasi pemitero yematunhu muhurumende kana muhurumende, mari yekubhadhara inogonawo kusanganisa nekugadzirisa kwekubhadhara kwemitero iyi . Kunyange zvazvo federal estate tax tax exemption is $ 5.45 mamiriyoni kubva muna 2016, zviyero zvehurumende zvinowanzonyanya kuderera. Dzimwe nzvimbo dzisingakwanisi kubhadhara mitero kana kuda kudzokorora pahurumende yezvematongerwo enyika ingatofanira kutarisana nemari iyi muhutano hwehurumende.

04 Kuongorora nekubhadhara mari dzebhizimisi

Kuongorora uye mari yekutengesa mabhizinesi ichave yakakosha kuziva zuva rekufa kwehupfumi hwedzimba nehupfumi hwevanhu , kusanganisira zvishongo, zvekare, mifananidzo, mabhazi, uye motokari. Bhizinesi dzinotungamirirwa ne trust dzinofanirawo kuverengwa.

Kuongorora mari yeimba yako pachayo inogona kubva kune mazana mashomanana kusvika kumazana emadhora emadhora, asi mari yekutengesa yebhizimisi inowanzoshamba zviuru zvuru zvemadhora.

05 Mimwe mitero

Mitero yakasiyana-siyana inogona kubva pamari yekutumirwa kutumira zvinyorwa kuvimba vanobhadhara nevatongi vanobhadhara mitero kuti vawane mari yekubatanidza, kuchengetedza, kutumira uye kutamisa pfuma yavo.

06 The Bottom Line

Mushure mokuwedzera zvose izvi zvikwereti uye mari, iwe unogona kunge uchifunga kugadzirisa mararamiro ako akaregererwa kwekutenda kune chero kupi zvayo kubva pasi pe1 kubva kune imwechete kusvika 5 kubva muzana yehuwandu hwezvinhu zvako. Izvi hazvisanganisi nzvimbo kana mitero yemari inogona kubhadhara uye inobhadharwa panguva yekutendwa kwetrust.

Enzanisa izvi nemari yekugadzirisa nzvimbo yako kuburikidza nedare re probate, iro rinogona kutarisa chero kupi zvako kubva kune 3 kusvika ku8 muzana yehuwandu hwezvinhu zvako. Nzvimbo yako icharamba ichisvika mberi kana ukasarudza kugadzira hupenyu hwekutenda huripo.

Cherechedzai:

Mitemo yehurumende nemunharaunda inochinja kakawanda, uye ruzivo rwuri pamusoro harungaratidzi kuchinja kwezvino. Ndapota taura neActorant kana gweta rekozvino mutero kana mazano emutemo. Izvo zvinyorwa zviri munyaya ino hazvirevi mutero kana mazano emutemo, uye haisi kutsiva mutero kana mazano emutemo.