Nzira Yokuverenga Nayo Imba Yako Imhosva

Gross Estate Yakaderedzwa Nezvikwereti uye Mari Inoshandiswa Inokwana Net Imitero Imitero

Kana kufa kwako kuchiitika mugore apo federal estate tax inoshanda, zvino kana nzvimbo yako ichave yakatarwa ne federal estate mitero ichaenderana nehuwandu hwehupfumi hwako, chikwereti chako chikwereti iwe paunenge wafa, iyo yose mari yaunenge yaita apo uchigadzirisa nzvimbo yako, uye chero zvigadziriswa zvekuti yako inogona kutora. Heino maitiro ekufananidzira kuongororwa kweimba yako yemitero.

Nokuda kwehuwandu hwemagetsi epa federal estate tax mitemo uye chati iri kuratidza huwandu hwe federal estate tax kuregererwa uye mutero wematoro kubva muna 1997 kusvika muna 2014, ona zvinotevera:

• Nhoroondo ye Current Federal Estate Tax Mitemo
• Federal Estate Tax Kubhadhara Chati, 1997 - 2014

Cherechedzai:

Iyi ruzivo inowanikwa nenzira yakareruka kuitira kuti iwe uverenge kuenzanisa kwakaoma kweimba yako yemitero. Hazvifanirwi kutendwa pamutemo kana mutero.

Sarudza Kukosha Kweimba Yako Yekutengesa

Kukosha kwepfuma yako yakawanda ndiyo inoshandiswa sekutanga kwekugadzirisa mutero wematoro ako. Dzidza kuti ungaverenga sei kukosha kwekukosha kweimba yako yakawanda nekuverenga:

• Zvakakosha Zvakadini Nesimba Inoshandiswa Kutenga Mitengo Yematoro?
• Nzira yekuverenga kukosha kweimba yako yakawanda

Kubva pfuma yako iyo inotevera inogona kubviswa kuti ikupe kukosha kwekamba yako yekutengesa zvekutengesa:

1. Mari nezvikwereti, kusanganisira zvikwereti , mitsara yechikwereti, zvikwereti zvemari, chikwereti chekwereti , mariro yemari uye zvikwereti zvezvechiremba ; pamwe chete nehutori mari yekugadzirisa nzvimbo yako kana Revocable Living Trust , kusanganisira avo vemareji, mabhuku ekuverenga uye kuongororwa, mari yekuchengetedza uye kutumira mari, inshuwarheni, nemari yematare; ( Zano : Kuti uwane kuongororwa kwakaoma kwekutarisira mari, wedzera pfuma yako ne5%);

1. Kushandiswa kwezvipo, kusanganisira zvipo zvakananga uye zvivako, kuisa paChirungu Remainder Trust kana Charitable Lead Trust ; and
2. Zvinoshandura kune mumwe mukadzi ari mugari weUnited States , kusanganisira kuendeswa kwepachivimbiso nekodzero yekupona uye kuendeswa kune chivimbo chinokodzera kuregererwa kwemhuri kusingagumi , se " A Trust " yakagadzirwa apo uchishandisa urongwa hweAbr Trust kana urongwa hweAbc Trust .

Determine Your Federal Estate Tax Liability

Kubva mumutsetse wekodzero yako zvino kunobviswa iwe inowanika federal estate tax tax exemption kuti uende pane yako taxable estate. Iyo federal property tax exemption yegore ra2010 ne2011 yemitero yaiva $ 5,000,000, kubhadhara kwegore ra2013 yemutero raiva $ 5,120,000, kubhadhara kwa2013 kwaiva $ 5 250,000, uye yakawedzera kusvika ku $ 5 340 000 muna 2014. Kuregererwa kuchaenderera mberi kuenzaniswa nekwereti muna 2015 uye gare gare.

Uyewo cherechedza kuti kana wakaita zvipo zvekubhadhara munguva yehupenyu hwako, ipapo iwe unowanikwa mutero wekubhadhara mutero uchave wakaenzana nemusiyano pakati pekuregererwa kwese kuripo uye kukosha kwezvipo zvoupenyu hunoitwa.

Mimwe Mienzaniso

Heano mimwe mienzaniso inofanira kukubatsira kuti unzwisise kuti mutero wemutero unotarirwa sei:

1. Rufu muna 2014, hapana zvipo zveupenyu, taxable estate - Kana ukafa muna 2014 uye mari yako yakawanda iri $ 6,000,000 uye zvikwereti zvako zvinotenderwa, mari uye kubviswa zvinokwana $ 500,000, ipapo yako inosvika $ 5,500,000. Iwe unobva wabvisa kubva mumatare ako nzvimbo yako inowanikwa mubhadharo wekutengesa mutero kuti usvike pane yako taxable estate. Kana usina kuita zvipo zvekubhadhara panguva yako yehupenyu, zvino mumuenzaniso uyu iwe unotengesa mari inokwana $ 250,000:
   
   $ 5,500,000 net property - $ 5 340,000 estate tax exemption = $ 160,000 kutengesa pfuma
   
   Yenyu inotengesa mari inowanikwa ne 40% kusvika pa federal property tax yako, iyo iri mumuenzaniso uyu yakaenzana ne $ 64,000 :
   
   $ 160,000 taxable estate x 40% rate = $ 64,000 mutero wemutero

1. Rufu muna 2014, hapana zvipo zvoupenyu, nontaxable estate - Shandisa zvinhu zvakafanana pamusoro apa, kunze kwekuti yako mvumo inotengeswa ne $ 4,000,000. Muchiitiko ichi, sezvo yako net property isingasviki pamusangano wekutenga mutero we 2013, yako inotengesa mari inenge iri $ 0 uye naizvozvo mutero wako wekubhadhara uchava $ 0 :
   
   $ 4,000,000 net property - $ 5,340,000 estate tax exemption = $ 0 taxable estate
2. Rufu muna 2014, $ 1 000 000 muzvipo zvoupenyu - Shandisa zvinhu zvakafanana pamusoro apa se # #, kunze kwekuti rufu rwako runoitika muna 2014 uye iwe wakaita $ 1,000,000 zvezvipo zvinotengesa munguva yehupenyu hwako. Izvi zvinoreva kuti $ 1 000 000 muzvipo zvoupenyu zvisingabhadharwi zvichange zvabviswa kubva pane iwe uripo wekutengesa mutero wekutengesa, uchikusiya ne $ 4,340,000 kusunungurwa:
   
   $ 5,340,000 kuregererwa - $ 1 000 000 zvipo zvoupenyu = $ 4,340,000 kuregererwa
   Nokudaro, mutoro wako wemitero ichava $ 464,000
   $ 5,500,000 net net - $ 4,340,000 inowanikwa kuregererwa = $ 1,160,000 taxable estate
   
   $ 1,160,000 taxable estate x 40% rate = $ 464,000 mutero wemutero

Estate Tax Calculator

Kuti uverenge kuongororwa kwepa federal property tax yako, tarisa kune inotevera chidimbu chinopiwa nehuwandu hwekutsvaga kweBurton Asset Management, LLC: Ndeipi Imba Yekutengesa Unogona Kuita?