IITI inogona kukubatsira kuti urege kuchengetedza mitero
Imwe nzira ndeyekugadzira inshuwarisi yeupenyu husingagadziriswi , inozivikanwa seIIT, kutora uwandu hwematongerwo enyika.
Chinonzi IITI?
IIIT is a type of living trust that's specifically set up to own insurrection policy. Iwe unogona kutora hutano hwehutano huripo kuIIT mushure mekunge hukaumbwa, kana kuti trust inogona kutenga mutemo zvakananga.
Iwe haugone kushanda semutrasti we trust, zvakadaro. Kutenda kunofanirwa kuregererwa, izvo zvinoreva kuti iwe unofanira "kuifambisa" iyo, kuisa mutemo wacho kuva murihwo, uye kuenderera mberi. Unofanira kubvisa kodzero ipi neipi yekuita shanduko ku trust kana kuiparadza.
Kutevedzera semuteresi kunogona kukupa chimwe chinhu chinonzi "zviitiko zvekuita," zvichikubvumira kuti uchengetedze mutemo. Asi wako wako, vana vako vakuru, shamwari kana kunyange masangano emari kana gweta vanogona kushanda semutrasti kwauri. Iwe unogona kutumidza chero ani waunoda kana iwe uumba chivimbo.
Chii Chiitiko Chekugara?
Kana iwe uine purogiramu iwe pachako uye ukachengetedza kudzora kwayo, iwe unogona kubvisa mari yaunoda kana kuchinja vashandi vayo pane chero nguva panguva yehupenyu hwako.
Izvi zvinoita kuti uve nhumbi yako kuitira kuti IRS nedzimwe hurumende hurumende dzinokwereta dzizobatanidza zvakagadziriswa zvepurogiramu mune kukosha kweimba yako.
Kana mari yacho yakakosha zvakakwana, izvi zvingaita kuti imba yako ichinetseke pamitero yemitengo. Iyi ndiyo mhaka kana nzvimbo yako inobhadhara mutemo, asi mutemo unenge uchiri wenhaka yeimba yako kana uine yako panguva yekufa kwako kunyange iwe ukatumidza mwanakomana wako, mwanasikana, mudzimai, kana mumwe munhu uyo anobatsirwa.
Estate Taxes
Nzvimbo yemutero wekutengesa yakakosha kusvika muna 2018: $ 11.18 mamiriyoni ega. Masangano anofanira kungobhadhara mitero pamitemo yavo pamusoro pemari iyi.
Kana iwe ukatsigira hupenyu hwako kwe $ 5 mamiriyoni uye imwe imwe nzvimbo yako inokosha kudarika madhora 6.18 mamiriyoni panguva yekufa kwako, iwe unodarika izvi. Nhaka yako-uye nekuwedzera, vagari venhaka-yako yaizobhadhara mutero wemugove pane chero zvakakosha kupfuura $ 11.18 mamiriyoni.
Izvo chete nzvimbo dzinokosha dzinofunganya nezve federal estate mitsara, asi vamwe vanotiwo inopa mvumo yepamusoro nemitengo yakadzika. Kana hurumende yako isingabhadharisi $ 1 mamiriyoni, muganhu wekufa kwepurogiramu yako inobatsira pamwe nekukosha kweimba yako inogona kuisvitsa nyore nyore mumutero unotengesa.
Ndivanaani Ivo Mufaro weIITI?
ILO inowanzosarudzwa seinishuwarenzi inonyanya kubhadhara. Rufu rwekufa runoiswa muIITI paunofa uye ivo vanochengetwa mukutenda kwekubatsira kwevanhu vamakadudza mumabhuku enyu ekuvimba kuti muwane mari.
Kana mari yacho inobatwa mukutenda kuitira kubatsirana nemumwe wako, iye aizowana zvikwereti zvinowanzodiwa pane kungowedzera mari yemari. Vaizoita kuti vasazobhadhara sechikamu chekupedzisira pfuma yavo sezvavaizoita kudai mari yacho yakaenda kwaari zvakananga kuwana mari yakanga isati yasara panguva yekufa kwake.
Zvimwe Zvimwe Zvinetso
Kana iwe ukafa mukati memakore matatu ekutsvaga inshuwarano yehupenyu hwako kune ILIT yako, IRS icharamba ichisanganisira mari inowanikwa muimba yako yekutengesa mitero. Iwe unogona kudzivisa izvi nekuva nechivimbo chekutenga mutemo paupenyu hwako, ndokubhadhara mari yekuvimba nemari yakawanda pamusoro pemakore kuti ubhadhe premiums.
Chipo chemitero chinogonawo kuva chikonzero nokuti iwe uri kunyatsopa kupa tariro mari yekubhadhara mutemo gore negore, asi izvi zvinodziviswa, zvakare.
Mutereti wako anogona kungotumira vatendi vako vanobatsirwa pane chimwe chinhu chinonzi tsamba "Crummey" nguva dzose kana iwe uchiendesa mari kune trust. Tsamba iyi yaizovarayira kuti vanogona kukumbira mugove wavo wemari mune imwe nguva. Chero bedzi ivo vane imwe nguva pfupi yemari, chipo chechipo hachishandi.
Zvechokwadi, mari yauri kupa chivimbo chacho hachina kufananidzwa kana ichienzaniswa nemagumisiro ekupedzisira emutemo wako, kunyanya kana yakaparadzaniswa pakati pevakabatsiri vanoverengeka. Kana vakatora mari ikozvino, mari yepayimusi ichaenda isina kubhadharwa uye mutemo uchapera.
Izvi zvinowanzowedzera kukurudzira kune avo vanobhadhara kusiya mari pamwe ne trust kuitira kuti inogona kubhadhara mutemo.
Kuramba Chivimbo
Iwe kazhinji haugone kubvisa chivimbo chisingachinji kana wapedza. Asi nekuti hurumende inopfuurira inofanirwa kubhadharwa kuchengetedza inshuwarisi yehupenyu huripo, zvose zvaunofanirwa kuita kuti udzivise kuvimba kwacho kunonoka kubhadhara mari yepurayamisi. Iko kuvimba kwaizobva kwava mudziyo usina chinhu apo sarudzo inopera.