Chii chinonzi FBO?
An FBO Trust
Izwi rokuti FBO rinowanzoshandiswa apo chivimbo chehupenyu chinonzi zita rokubhadhara inshuwarisi yehupenyu. Iwe unogona kuona chinyorwa chimwe chinhu chakadai sechirevo chekuwana mubhadharo:
"Jane Smith Living Trust UAD 02/17/17 FBO Jake naJoe Smith."
Shanduro inoita chimwe chinhu chakadai: Jane Smith akasika chivimbo chehupenyu pasi pesungano yaFebruary 17, 2017, kuti ave neinishuwarenzi yehupenyu uye kuunganidza zvayo zvinopedzisira zvawanikwa.
Iko kuvimba kunobatsira vanakomana vake, Jake naJoe Smith, avo vachagara nhaka yekufa kwepurogiramu paanofa. Sangano reFBO rakanyatsogadzirisa chinangwa chekuvimba nehupenyu. Jake naJoe ndivo vanonyanya kubatsirwa .
Zvimwe FBO Mazita
Chiratidzo cheFBO chinogona kuonekwa pane chero nhoroondo kana pfuma inotakura zita rinobatsira - iyo izwi harisi kuchengetedzwa kwekutenda. Heano mimwe mienzaniso.
- Jane Smith anoda kuvhara pamusoro pake 401 (k) kwaari IRA . Anoita urongwa hwose hwakanaka uye anogamuchira cheki kubva kune 401 (k) chirongwa chekugadzirisa kwekero rake rekuita. Cheketi ichada kufanirwa kuendeswa kumurongi weIRA wekuronga, "FBO Jane Smith." Mari yacho inotungamirirwa kune iyo nhoroondo itsva uye iyo inobatsira Jane. Dai cheki yacho yakaitwa kuna Jane, inogona kunge yakaverengwa se 401 (k) kugoverwa kunobhadhara mitero uye zvikwereti kana asina kuzviisa kune imwe kambani yekusarura munguva shoma.
- Vana havagoni kuchengetedza mari yavo pachavo kana pfuma yavo, saka zita reFBO rinowanzoonekwa pane chekeri kana zvimwe zvigadzirwa zvemari zvinotungamirira mari kwavari. Kana mucheche aizowana nhaka ye $ 50,000 kubva kune imwe hama yeimba, cheko rinogona kuverenga "FBO Sally Smith" mushure mezita raamai vaSally semutengi kana, kana vabereki vakafa, zita remuchengetedzi kana mutrasti uyo ari kutarisira pfuma yemwana uye mari kusvikira asvika muzera rehuwandu. Izvi zvinogonawo kunge zvakadaro kana uyo anowana mari yacho asina simba kana kuti asingakwanisi kubata zvinhu zvake kuitira kuti mumwe munhu asarudzwa kuti aite saizvozvo.
- Sangano reFBO rinogonawo kuonekwa pamagetsi ekubhadhara mari kune bhangi. Cheki inogona kuitirwa kubhangi asi inobva yatumirwa kune imwe nyanzvi yeropafadzo.
- Zita racho rinogona kuonekwawo kana uri kutumira mari kumunhu anonzi rudo kuti atore mari yeimwe chikonzero, zvakadai se "The Hospice Fund FBO Jane Smith."
Cherechedza: Mitemo inogona kuchinja nenguva uye ruzivo rwuri pamusoro harungaratidzi kuchinja kwezvino. Ndapota taura neye gweta kana mutungamiri wezvemari nokuda kwemazano akawanda kumusoro-soro kana uri kufunga nezvekunyorera FBO kubatsiri kune chero gwaro. Mashoko aya anowanikwa munyaya ino haafaniri kutorwa semazano epamutemo uye haisi kutsiva mazano emutemo.