Wana mazano pazvinhu zvakajeka zvekudzivisa purogiramu

Mune zviitiko zvakawanda, kuongorora ndeye nyore kudzivisa, uye zvakadaro vanhu vazhinji vanokundikana kuzviita. Pasi apa iwe uchawana runyoro rwemaitiro mana chete ekudzivisa kuongorora. Chii chichashanda mumamiriro ako ezvinhu chichabva pane zvaunenge watora mazita uye kuti ndiani waunoda kuzogara nhaka yako kana wafa.

Bvisa Zvinhu Zvose Zvako

Nzira yakanyanyisa yekudzivisa kuongorora kwepfuma yako ndeyekubvisa zvinhu zvako zvose nokuti pasina pfuma iwe hauzove neimba inoda kuongororwa.

Ichokwadi kuti izvi hazvibatsiri sezvo iwe uchada mari kuti urarame kusvikira iwe wafa, asi mune dzimwe nguva kupa zvakawanda zvezvinhu zvako kuburikidza nokushandiswa kwerudzi rwemhando yekuti iwe unogona kuva mupiro unogona kunzwisisa . Kushandisa rudzi urwu rwekutendwa kusanganisira imwe kana zvimwe zveimwe nzira dzakarondedzerwa pasi apa kuti chero ipi zvayo isati yaendeswa kuchivimbiso ichati hapana mazai eproate uye, saka, hapana probate estate.

Shandisa Joint Ownership Nekodzero Yokupona kana Kugadzirisa neKutendeseka

Kuwedzera mumiriri wekubhengi kubhengi yebhangi kana kubhengi kwekambani kana kubhizimisi yeimba yeimba inenge ichanyatsodzivirirwa, kunze kwekuti zvakajeka kuti nhoroondo yacho inowanikwa sevashandi vanobatana vane kodzero yekupona uye kwete sevarimi vari pamwe chete . Kana iwe wakaroorwa, saka mune imwe nzvimbo unoti iwe nemumwe wako munogona kuva nemugove nekodzero yekupukunyuka nenzira yehutano nehuwandu .

Kune, zvisinei, zviitiko zvakasiyana-siyana zvinokanganisa kuvimba nemubatanidzwa wekodzero nekodzero dzekuchengetedza kana kubhadhara nehuwandu kuti urege kuongorora:

1. Mune zviitiko zvizhinji kuwedzera mubatanidzwa pamwe chete kune imwe nhoroondo kana chiito chichava chipo chingabhadhara chinoda kuziviswa kune IRS pane federal gift tax return (IRS Form 709 ).

1. Kana mumiriri wekubatana akaroverwa kana kuti akarambana, ipapo mutero wekutonga kana kurambana nomudzimai angakwanisa kutora zvimwe kana zvimwe zvinhu zvose mubhuku rakabatana.
2. Kana muridzi wekugoverana afa asati waita, 50% kana kunyange 100% yekodha rekodzero inogona kuiswa mumunhu akafa yeimba yekutengesa mutengo .
3. Kana iwe uri mumhuri yechipiri kana inotevera, kusiya mari yako kune mumwe wako nekodzero yokupona kana kugara kwekuzara kuchareva kuti wako wako anenge akasununguka kuita chero chaanoda neaavo kana mushure mokunge wawakaroorana naye afa. Izvi zvingasava izvo zvaunoda - mune mamwe mazwi, ungada kuti wako wako ashandise pfuma yako mushure mokufa kwako, asi pashure mushure mokunge wawakaroorana naye afa iwe unoda kuti pfuma yako iende kuvana vako pachavo. Mune mamiriro ezvinhu aya, kubatana pamwe chete nekodzero yokupona kana kubhadharwa nehuwandu hakuzoiti zvaunoshuva zvekupedzisira sezvo wako wako angasarudza akasununguka kusiya mari yako kune vana vomumwe wako panzvimbo yevana vako kana kunyange kune mumwe mukadzi wako.

Shandisa Mazano Anobatsira

Kana iwe uine inshuwarano yehupenyu kana yezvinhu zvakachengetwa mubhuku rekurega mari yakafanana neIRA, 401 (k) kana annuity, iwe uri kutotora nguva yekushandisa kubhadharwa kuburikidza nekushandiswa kwezvinyorwa zvinowanikwa.

Zvamusingazivi ndezvokuti nyika dzakawanda dzinokubvumira kuti usarudze vanobhadhara pamabhengi ako ebhengi (izvi zvinonzi "kuripa rufu" kana kuti "POD" account ), uyewo nokuda kwekusabhadhara mari yekushambadzira (iyo inoshandurwa kusvika se " kutumidzwa kurufu " kana "TOD" account) . Mukuwedzera, mamwe mashomanene anobvumira iwe kuti usarudze vatsigiri veimba yako chaiyo kuburikidza nokushandiswa kwekuendeswa kune rufu kana chibvumirano chekubatsira kana chivimbiso. Mune dzimwe nyika, iwe unogona kushandisa hupenyu hwehupfumi hwekuchengetedza hutenzi hwehumba munguva yehupenyu hwako uye wobva wapfuurira pfuma kune avo vanobatsirwa nesarudzo yako mushure mokufa musingadi kuongororwa dzimba.

Shandisa Revocable Living Trust

Chirongwa chekugara chinopfigirwa chiri chibvumirano chakanyorwa chinosanganisira zvikamu zvitatu zvehupenyu hwako:

1. Apo iwe uri mupenyu uye zvakanaka;

1. Kana iwe ukava mupfungwa usina kukwana; and
2. Mushure mokufa kwenyu.

Asi kusayina chibvumirano chekuvimbiswa chekuvimbiswa kwehupenyu pachako hazvina kukwana kuti usapedze kuongorora kwepfuma yako shure kwekufa kwako. Pane kudaro, kana chibvumirano chekutenda chisina kunyorwa, iwe uchada kutora zvinhu zvako uye kuzvitumidza muzita rekutenda kwako. Kana mushure mokunge mararamiro enyu akaregererwa akavimbiswa ave mutori wenhoroondo yezvinhu zvenyu ichava nefuma yekutenda (pane iwe) kusazvidzivirira.

Izvi zvinonzi mari yekuchengetedza, uye kana iwe uchiona sekutenda kwako sebhakiti, iwe unofanirwa kuzadza ibhakiti nezvinhu zvako kuitira kuti uone kuti zvinhu zvicharamba kuongorora kana wafa. Kana imwe yenhumbi dzako ikagara kunze kwetrust (panguva yekufa kwako), ipapo mari isingabhadharwi ichadiwa kuti iongororwa kunze kwekuti iine mukana wekuwana rubatsiro kana kuti ine kodzero yekuchengetedza nomumwe munhu anokupukunyuka iwe.

Icho Chinhu Chinokosha Mukudzivisa Kurwisana

Sezvaunogona kuona, pane nhamba shoma dze nzira dzekudzivirira kuongorora. Chii chichashanda iwe pachako chichavimba nemhuri yako yakasiyana neyemari, asi chinonyanya kukosha ndechokuti uchishandisa imwe kana humwe hwehutano hwakatsanangurwa pamusoro apa kuti urege kuongororwa kwepfuma yako, iwe uchava kuumba rugare rwepfungwa kwauri pamwe nerunyararo rwepfungwa kune vadikanwa venyu panguva yakaoma.