Nyanzvi Dzakanaka Kupfuura Amateur?
Kana zvasvika pakusarudza fiducariaries nekuda kwezvinangwa zvekugara, vanhu vazhinji vanoona zvakaoma kusarudza pakati pevana vavo kana vamwe vanhu sevakoma nevanin'ina. Kunyange zvakadaro, vamwe havabvumi kuti mumwe wemhuri yavo kana shamwari dzinokwanisa kushumira, kana vana vavo vachiri vaduku uye zviri pamutemo hazvikwanisi kushumira. Mune mamiriro ezvinhu aya, fiduciary yekambani yakafanana nebhangi inopa kuvimba kwehutungamiri hwemashoko kana kuti kambani yekutendeseka yakazvimirira inogona kuva sarudzo yakanakisisa.
Pasi pane urongwa hwehutano uye hutsinye hunobatanidza nekusarudza musimboti wekambani kana mamwe mafiduciary.
PROS:
- Nyanzvi yekugadzirisa - Fiduciaries yekambani inobatsira pane zvavanoita. Vachava nevanoshanda nhengo dzakawanda nemakore akawanda vane ruzivo mukutarisana nemuongorori wezvivako uye kushandiswa kwemabhuku ekuchengetedza uye kuchengetedza uyewo vatariri vemapatotikiti kuti vashandise masimba mari ye trust trust . Izvi, zvakare, zvinotungamirira kune unyanzvi hwokugadzirisa uye mabasa ekutsvaga mari.
- Kusapindira mune zvematongerwe enyika - Imwe fiduciary haizovi nehukama hwepedyo kune avo vanobatsirwa, iyo ichabvisa kushungurudzika kwepfungwa uye kushungurudzika kwekuti nhengo yemhuri kana shamwari inogona kuiswa pasi paunoshumira sekutenda kwako. Kunze kweizvi, fiduciary yekambani haizofambidzwi nechisarudzo chekare chebatsiri kana mararamiro emararamiro ehupenyu uye ichangotarisira nzvimbo, kuvimba, kana kuchengetedza sezvinoratidzwa nemashoko anotsanangurwa eWest Will uye Testamende yako kana Revocable Living Trust uye nyika inoshanda mutemo.
- Imwe yega yekutengesa - A fiduciary yekambani ichava nemhando yese inowanikwa yekugadzirisa, kuisa mari, kubhadharira, uye kupedza mubhadhari weimba, kuvimba, kana kuchengetedza pasi peimba imwe. Izvi zvinosanganisira kushandiswa kwekutsvaga, mabasa ekubhadhara, nzvimbo yekuchengetedza mabhizimusi , uye mabhizinesi uye masimba ekuchengetwa kweimba. Kune rumwe rutivi, mumwe munhu ane fiduciaries achadikanwa kuhaya vashandi vakawanda kuti vatarisire zvinhu zvose zvekutarisira kweimba, kuvimba, kana kuchengetedza. Nemuenzaniso, kana iwe uchitumidza gweta rako rekugadzirisa zvivako sefiduciary, ipapo iye achange achida kuhaya mutariri wezvemari yekuisa mari iyo, maneja weimba kuti agadzire pfuma, uye munyori wenhoroondo kuti agadzirire fiduciary mubhadharo wemitero ( IRS Form 1041 pamwe chete nemitemo inoshandiswa kumitero inowanikwa munyika).
- Mutemo wepamusoro wekuchengetedza - Nokuti fiduciaries yekambani ingo hurumende, dzinofanirwa kupiwa chikwama, kusungirirwa uye kuishuwasi uye dzinotarisirwa zvakasimba nehurumende nemitemo. Izvi, zvakare, zvinoreva kuti ivo vachabatwa kune yakakwirira kwazvo yekutarisirwa, pamusoro uye kupfuura izvo munhu wepakati akazobatwa kune kana achitarisira nzvimbo, kuvimba kana kuchengetedza. Nokudaro, kana fiduciary yekambani ichiita chikanganiso, ipapo mutongi achakwanisa kutonga zvinopesana nekambani uye, zvakare, sangano richava nemari yakakodzera yekubhadhara nekuda kwezvikanganiso zvayo. Izvi hazvizove zvakadaro nemunhu mumwe munhu ane ruzivo rwakawanda kana rusina ruzivo rwekutarisira imba, kuvimba kana kuchengetedza uye achangotarirwa mhosva yezviito kana kuregererwa izvo zvinoreva kuregererwa kwakakomba.
CONS:
- Rigid - Fiduciaries yekambani inogona kunge yakaoma zvikuru uye inogadziriswa munzira dzayo kana iri kuuya pakuisa mari, kutarisira, uye kushandisa mari yeimba, kuvimba, kana kuchengetedza. Izvi zvinogona kutungamirira kune avo vasina kufara vanobhadhara avo vanenge vachimanikidzwa kuenda kumatare kuti vagadzirise kusawirirana pakati pavo nechirongwa. Imwe nzira yekudzivisa dambudziko iri ndeyokuisa mirayiridzo yakajeka muDare Rako Rokupedzisira neTestamente kana Revocable Living Trust chibvumirano kuitira kuti sangano rive nemirayiridzo yakasimba yekutevera kana uchitarisira imba, kuvimba kana kuchengetedza.
- Inodhura - Kuti upe hupi hupi hwehutano hwemhizha, fiduciary yekambani inowanzobhadhara kupfuura inotendesa fiduciary. Sezvambotaurwa pamusoro apa, munhu angave achida kubhadhara vaurayi vevashandi kuti vabatsire nekupa imba, kuvimba kana kuchengetedza. Iyi mitero inogona kuwedzera uye inogona kutenga mari yakawanda, kana kupfuura, iyo mari yezvikoro.
- Nzira yeChipatimendi - Fiduciary dzekambani dzinoshandisa matare kuti aite zvakawanda zvezvisarudzo zvavo. Izvi, zvakare, zvinogona kutungamirira kune nguva refu kunonoka muzviito kutorwa panzvimbo yeimba, kuvimba, kana kuchengetedza, pamwe nekupindura zvishoma nezvishoma kumubatsiri wemibvunzo kana zvinetso. Kuita komiti kunogonawo kureva mikana yakarasika mumari yekutsvaga inoda mhinduro dzinokurumidza pamwe nekuwedzerwa kwenguva yakareba yekuongorora . Kune rumwe rutivi, komiti ichaunza makore ezviitiko uye ruzivo patafura uye kuita sarudzo yekuita basa rekushandira panzvimbo pokusava nehanya kana imwe imwe.
- Bureaucracy - Makambani ehurumende ndeyekuti, masangano, uye, chaizvoizvo, akaumbwa nematareji akawanda uye mahofisi ari muzvivako zvakasiyana uye kunyange mumaguta akasiyana-siyana. Kucheka kuburikidza nepepeti tsvuku kuti uwane mumwe munhu anogona kubatsira mubhinki kunogona kutyisa, uye kutaura kune munhu akakodzera panguva yakakodzera kazhinji hazvibviri. Pamusoro peizvi, vashandi vavo vanowanzosimudzirwa kuva mamiriro matsva mukati memasangano kana kuti vaende kumikana iri nani kune dzimwe nzvimbo. Zvose izvi zvinogona kugadzirisa nehutano hwekambani, kunyanya imwe iri mune rimwe guta kana kuti hurumende, inokanganisika. Panzvimbo ye "bhokisi guru" fiduciary, funga kuisa gungano duku, gungano rekodhi kana kuvimba kwekambani - idzi dzemhando dzekambani dzemakambani dzinowanzobatana nemaoko nevatengi vavo uye kazhinji dzichashanda pamwe nenzvimbo, matariro kana kuchengetedza vane nheyo yepasi shoma pane yakakura , "bhokisi guru" fiduciaries.
Chii Unofanira Kuita?
Mafiduciaries ehurumende haisi kusarudzo kwakanaka kune munhu wese, asi zvakare zvakare Uncle Bob kana mumwe nhengo yemhuri angave asina kusarudza zvakanaka kana. Kana iwe uine hanya nekwanisi yemhuri kana shamwari kuti uchengetedze imba yako, kuvimba kana kuchengetedza, taura ne mabhanki akawanda kana makambani ekuvimba kuti udzidze zvakawanda pamusoro pevashandi vavo, mazano, uye mari. Mukuwedzera, kana iwe wakasarudza discretionary lifetime trust kana madzinza ezvitendero kune vanobatsiri vako, zvino fiduciary inobatanidza ichasimbisa kuti mari yako yakaoma yakawanikwa ichagara mumiganhu yako yeropa uye ichangogoverwa maererano nemirairo yako yakajeka seyorondedzerwa achaita kana kuvimba.