Zvinokanganisa vs. Zvitendero Zvisingagoneki

Kuchinja kana Kusapinda Chivimbo

Kana zvasvika pakunzwisisa kutendwa, kuziva mutsauko pakati pezvitendero zvisingatauriki uye zvisingachinjiki zvinokosha. Kana iwe ukakumbira chivimbo chekuregererwa uye ukawana chisingachinjiki, kana zvimwewo, migumisiro yepamutemo nemitero ichave yakakosha.

Upenyu Hwakarasika huripo

Chivimbo chehupenyu chinoparadzaniswa , chinozivikanwa sekuti chivimbiso chekuregererwa , chivimbo chehupenyu kana inter vivos chivimbo , inongova rudzi rwekuvimba kunogona kuchinjwa chero nguva.

Mune mamwe mazwi, kana uine pfungwa yechipiri pamusoro pegadziriro yekutenda kana kuchinja pfungwa dzako pamusoro pekuti ndiani anofanirwa kunge ari mubhadhari kana mutsigiri wekutendwa, iwe unogona kugadzirisa mazwi echivimbo kuburikidza neicho chinonzi trust trust. Kana, kana ukasarudza kuti haudi chinhu chipi nechipi pamusoro pekutendwa zvachose, iwe unokwanisa kana kudzorera chibvumirano chose kana kuchinja zvose zviri mukati kuburikidza nekutenda kuchinjwa nekudzorera .

Sezvo mararamiro ehupenyu asina kukanganisa akashandura zvakanyanya, sei zvisati zvese zvisingatendi zvigadziriswa? Izvo zvakaderera kune chivimbo chekuregererwa ndechekuti zvinhu zvakabhadharwa muTrust zvinoramba zvichingotaridzirwa iwe pachako pfuma yako kune chikwereti uye mutero wematoro. Izvi zvinoreva kuti kuvimba kwekuregererwa kunopa pasina chikwereti chekuchengetedza kana iwe ukasungwa, zvose zvekutendesa zvinhu zvichafungidzirwa iwe pachako nokuda kwezvinangwa zveMedicaid, uye zvinhu zvose zvakachengetwa muzita rekutenda panguva yekufa kwako zvichaiswa pasi pezvose zviri zviviri state estate tax and federal estate mitero uye nyika inotora mitero.

Saka sei iwe uchifanira kushandisa mararamiro ehupenyu asina kukanganisa sechikamu cheurongwa hwehupfumi ? Nezvikonzero zvitatu zvinokosha:

1. Kugadzirisa kuremara kwepfungwa - Nhaka dzinobatwa muzita reRevocable Living Trust panguva iyo munhu anova nemafungiro asina kukwanisa anogona kutarisirwa nemutariri wehurema kune nzvimbo inotarirwa mutariri kana mutariri.

1. Kudzivisa kuongorora - Nhaka dzinobatwa muzita reRevocable Living Trust panguva yekufa kwomunhu dzichapfuura zvakananga kune avo vanobatsirwa vanodanwa musangano rekutenda uye kunze kwenzira yekuongorora .
2. Kuti uchengetedze hupfumi hwehupfumi hwako nevanobhadharwa mushure mokufa - Nokudzivisa kuongorora nemararamiro ehupenyu akaregererwa, chibvumirano chako chekutenda chicharamba chichigadzirisa pachedu uye hazvizove ruzivo rwevanhu vose pasi kuti vaone nekuverenga. Ichachengetedza tsanangudzo pamusoro pezvinhu zvako uye wawakasarudza kubva paimba yako kuenda kune imwe nyaya yemhuri. Kusiyana neizvi nechishuvo chekupedzisira uye nheyo iyo yakabvumidzwa kuti iongorore - inova yeruzhinji ruregerero rwevanhu kuti munhu anogona kuona nokuverenga.

Matanho Asingachinji

Kutenda kusingachinji kunongova chimiro chekuvimba chisingagoni kuchinjwa mushure mekunge chibvumirano chacho chasayinhirwa, kana kuti chivimbo chekuregererwa icho kuburikidza nekugadzirwa kwayo kunenge kusingagadziriki mushure mokunge Mutendi achifa kana mushure meimwe imwe pfungwa chaiyo munguva. Zvisinei, rinotaura nezveKutenda Kunogona Kuchinja Kunogona Kuchinjwa Here? kuti uwane mamwe mashoko pamusoro pemamwe mamiriro ezvinhu umo kuvimba kusingachinji kunogona kuchinjwa.

Nechitarisiko chinowanzoregererwa chekugara , hachizogadziriswi apo Mutendi anofa uye anogona kugadzirirwa kupindira muzvivimbiso zvakasiyana zvisingagoni kushandiswa kuitira kubatsirana nemudzimai anoramba aripo, zvakadai nekushandiswa kweAvan Trust kana ABC Trust, kana kuti muhupenyu husingaperi husingachinji vanotarisira kubatsirwa kwevana kana vamwe vanobatsirwa.

Tariro dzisingagoneki dzinogona kutora pamarudzi akawanda uye dzinoshandiswa kuzadzisa zvinangwa zvakasiyana-siyana zvekugadzirisa nzvimbo:

• Estate Tax kuderedza

  Tariro dzisingagadziriswi, dzakadai semishuwarenzi yeupenyu husingagadziriswi , dzinowanzoshandiswa kubvisa kukosha kweimba kubva kumunhu kuitira kuti pfuma irege kukwaniswa kana munhu akafa. Mune mamwe mazwi, munhu anoendesa zvinhu mukutendeseka kusingagoneki ari kupa pamusoro pezvinhu izvi kumutongi uye vanobatsiri vekutendwa kuitira kuti munhu wacho asisati aine pfuma. Nokudaro, kana munhu wacho asisiri pfuma, saka haakwanisi kubhadhara mutero kana munhu wacho afa.

  Sezvambotaurwa, AB vanotenda izvo zvakasikwa kuitira kubatsirana nemudzimai anenge asara hazvigoneki uye, nokudaro, vanogona kushandisa zvakakwana kusununguka komurume akafa kubva kumitero yezvivako kuburikidza nekubhadharwa kweB trust neimba inowanikwa kana pasi pemutero weimba kusunungurwa. Zvadaro, kana kukosha kweimba yemurume akafa kune chikamu chekuregererwa kwemutero , A Trust ichabhadharwa mari yekubatsira komudzimai aripo uye kubhadhara mitero yemitengo kuchadzorerwa kusvikira mushure mokunge mumwe wavo anenge afa aripo.

  ABC tariro inogona kushandiswa nevarume vakaroora vanogara mune imwe nyika inounganidza hupfumi hwematongerwo enyika , uye hurumende yekuregererwa kwemitero yakaderera iri pasi pe federal estate tax exemption . Semuenzaniso, muMassachusetts nyika inobhadhara mutero iine $ 1 mamiriyoni chete, zvichienzaniswa neyezvino ma $ 5.34 mamiriyoni ehurumende, saka muMassachusetts mari yekutanga $ 1 mamiriyoni ichaenda kuB Trust, inotevera $ 4.34 mamiriyoni ichaenda kuC trust, uye chero mari inopfuura $ 5.34 mamiriyoni ichaenda kuA Trust.

• Asset Protection

  Imwe nzira inowanzoshandiswa kwekutendwa kusingachinji ndeyokupa mararamiro ekuchengetedzwa kweTrustmaker nemhuri yeTrustmaker. Izvi zvinoshanda nenzira imwechete iyo kutendeseka kusingagoneki kunogona kushandiswa kuderedza mitero yepaimba - nekuisa zvinhu mukutenda kusingagoneki , MuTrustmaker arikupa kukwana kwakakwana pamusoro, uye kuwanika, iyo yekuvimba kwezvinhu uye, naizvozvo, chivimbo chekuvimba hachikwanisi zvinosvikiswa nemunhu anotora chikwereti cheTrustmaker kana ruzivo rwakakosha rwerongwa hweMedicaid. Zvisinei, mhuri yeTrustmaker inogona kuve yakabatsirwa nekutendeseka kusingagoneki , nokudaro ichiri kupa mhuri mhuri rubatsiro rwemari, asi kunze kwekusvika kwevakwereta. Kunewo mitemo isinganzwisisiki inonzi ma-self-settleled trusts , kana mune dzimwe nyika, kusanganisira Alaska, Delaware, Nevada, uye Tennessee, inopa kupa chikwereti kudzivirira uye inobvumira Muvimba kuti ave mubhadharo wekuvimba.

  Uyezve, sezvataurwa pamusoro apa, mitemo yakasiyana-siyana isingashanduki inogona kusikwa kuti ibatsirwe nemudzimai weAtendaker anoramba aripo kana kuti vamwe vanobatsirwa mushure mokunge Mutendi weRevocable Living Trust afa zvinogona kugadzirirwa kupa hutengo hwekuchengetedza avo vanovimba navo .

• Charitable Estate Planning

  Imwe nzira inowanzoshandiswa yekutendwa kusingagoneki ndeyekuita chirongwa chekupa zvipo zvechipo, zvakadai kuburikidza nechipo chinosara chekuvimba kana chitendero chekutungamira . Kana Mutendi anoita kuti kuendeswa kwekutanga kwezvinhu zvive muchitendero chechipo apo achiri mupenyu, zvino Mutendimaker achawana rubatsiro rwekubhadhara mutero mubhadharo mugore rekushandiswa kunoitwa. Kana, kana kuendeswa kwekutanga kwezvinhu mukati mechivimbo chechipo hazviitike kusvikira mushure mekufa kwaTendamaker, ipapo chivimbiso cheTrustmaker chichagamuchira rubatsiro rwekuripira mutero.