Ukuseka iNgxowa-mali yeTrust akuyona into enzima njengoko unokucinga
1. Umfanekiso oya Kufuna ntoni Ukuba Ukholo Lwenu Lokufezekisa Nokuba Luya Kukukwenza Kanjani
Kutheni unika ingxaki yokudala ilungiselelo elitsha lomthetho lokukhawulela iqoqo ethile yepropati? Yintoni ozama ukuyifumana? Ngokukodwa, kufuneka uchonge, phakathi kwezinye izinto:
- Ngubani umnikezeli-mali (umntu ohambisa impahla kwi-trust)
- Yintoni into ethemba ngayo ixabiso (i-asethi eyenza i- balance sheet ye-trust yebhanki njengemali, izitokisi , iibhondi , iimali ezidibeneyo , i- real estate , okanye enye impahla)
- Ngoobani abaxhamli kunye nabaxhamli abaxhamlayo
- Ngubani oza kuba ngumphathiswa (ukuba ufuna uncedo, funda iMibandela emithathu yokubuza xa ukhetha iTrasti kwi-Trust Trust yakho ; ungakulibala ungasebenzisa i-trustee yenkampani efana ne- trust trust bank )
- Indlela iimpahla eziza kulawulwa ngayo, ukutyalomali, okanye ukuphathwa, kuquka iintlobo, izinga, kunye nexesha lokuhambisa
- Ngubani oza kulawula iafa
- Kuze kube nini i-trust izakuhlala ngaphambi kokuphelisa kwaye phantsi kweyiphi imeko iya kuphelisa ukusebenza
- Ingaba i-trust ithoxiswa (ingatshintshwa) okanye ingaguquki (ayikwazi ukutshintshwa)
2. Yiya kwi-Attorney yeCandelo lokuCwangcisa uLawulo oluPhezulu kunye neNkqubo yokuHlalwa kweeNkxaso zeNtsapho kunye neYakhe okanye yakhe Yenza iSibhengezo seTrust kunye ne-Instrument Trust kwiNkxaso yeeNdawo eziNcedo kakhulu kwiinjongo zakho kunye neenjongo.
Isinyathelo esilandelayo ekumiseni ithemba liya kummeli kwimeko apho ufuna i-fund trust.
Esi sisigqibo esibalulekileyo ngenxa yokuba imithetho yaseburhulumenteni esetyenziselwa ukukhusela i-trust iya kuba nempembelelo ebonakalayo endleleni ejongene ngayo neenkundla, amalungelo amacandelo abandakanyekayo nayo kwixesha elizayo, kunye nezinye iinkcukacha ezingenakukwazi ukuzenza cingela ngeli xesha. Nangona ukuthembela komthetho kuyahluka kummandla ukuya kurhulumente, kuye kwacaca kwinqanaba elidlulileyo kwinqanaba leKomishoni yoLimo oluManyeneyo, elisebenza ukukhuthaza ukulingana kwemimiselo e-United States. Nangona kunjalo, qiniseka ukuba ukhetha ukuqonda ngokusesikweni ngokuthetha ngawo nabacebisi bakho abafanelekileyo. Ngokomzekelo, iNew York, idumile ngokufuna iimeko ezingaphezulu kwenkqubo yokudalwa kwetrust kunamanye amazwe, mhlawumbi ngenxa yokuba, ngokwembali, kwakukho ubuninzi obutyebi bwenza lula imeko yonke ngokubonisa umgca oqaqambileyo ofuna izinto ezifana nokutshintshwa kwetayitile, kunokuba nje ukumemezela, xa ubeka ixabiso kwi-trust.
Ngaba igqwetha lidala isibhengezo sokuthembela kunye / okanye isixhobo esithembekileyo esithembekileyo, esisisigxina sezomthetho esisungula imali yebhanki yentsapho kwaye idibanisa zonke izinto esixoxe ngazo kwisinyathelo esedlule. Ingaba lula kwaye ifutshane okanye ide kwaye ixakekeke kuxhomekeke kubukhulu besithemba, inani labaxhamli, kunye nenjongo ezama ukuzalisekisa.
Sebenzisa ingcali onokuqonda umthetho wefa. Lo akusiyo indawo yokuthatha ibhanti ephantsi kuba iindleko zokungalunganga ziyiminyaka yeemfazwe ezisemthethweni phakathi kweziindlalifa zakho. Qinisekisa ukuba ukhetha igama elifanelekileyo ngokuvisisana nenjongo yokuthembela kuba iindlalifa zakho ziya kubanjelwa kuyo kwithuba elithile. Ukuba udinga uncedo, ungafunda ngakumbi malunga nokubiza igama lakho losapho .
Ngenxa yokulungelelanisa, amaninzi amalungiselelo okuthembela aqhelekileyo anamagama amancinci asetyenziswayo ukubhekisela kumiselo. Ngokomzekelo, ukuba isixhobo sokubethemba sinegunya elithintela abaxhamliweyo ekubambiseni, ukuboleka, okanye ukusabalalisa imali ngaphambi kokusithemba, ukubeka ipahla ezingaphezu kwemali yabathengi nokwenza kube nzima ukuba indlalifa ithengise umrhumo wonyaka , ngenjongo okanye ngokungekho ngenjongo, iyaziwa njenge- spendthrift trust .
Ezinye zalezi zinyango ziyi-ironclad kwaye zicwangciswe kakuhle ukuba zingena kummandla wokuziphatha okubi (bona iNkundla ePhakamileyo yeSonto i-Sligh v. IsiGqeba sokuQala seBhanki yeSizwe sase-Holmes apho ixhoba lomntwana we-molester lalingavunyelwe ukubuyisela umonakalo ngokubhekiselele kumgwenxa wokuchitha imali, ukuvumela i-monster ukuba iqhubeke nokuphila njengomntwana wengxowa-mali yokunakekelwa kobutyebi bomama). Omnye umzekeliso: Ukuba ithemba lithemba ifa lakho emva kokufa kwaye linikela umlingane wakho osasalayo, umvumela ukuba ahlale ekhaya, aphile kwimfudumalo engapheliyo eyenziwa yipotifoliyo yokuthembela, kodwa ungaze uthinte inqununu, okuyiyo kushiyelwe kubantwana kunye nabazukulu (ukukhusela xa umlingane eshada kwakhona), yaziwa ngokuba yi-QTIP trust.
Ngokubanzi ungayinqanda ukuthembela ngethuluzi lokuthembela nangayiphi na into oyifunayo, ukudala izikhuthazo kwiindlalifa zakho okanye ukuzivuza ngokuziphatha okuthile. Kufuneka uqaphele apha ngenxa yokuba ungayifumana imiphumo engafanelekanga (umzekelo, uthi umxhamli ufumana i-$ 250,000 yokuhlawula xa efumana i-Bachelor degree kodwa ungacacisi i- Bachelor degree degree ukuze umntu oyingcali yindlalifa ahlale ebhalisa iinkqubo, kuba ngumfundi oqeqeshiweyo kwaye ungalokothi ungene kumsebenzi njengoko uchitha i-trust phambi kweshedyuli ejoliswe kuyo, ukuthatha impahla kwizinye izihlobo). Ngaphandle? Iimfuno zakho azikwazi "ukulwa nomgaqo-nkqubo woluntu". Awukwazi, ngokomzekelo, ukubonelela ngenkxaso nawuphi na omnye wabaxhamli abaphanga isitolo sotywala. Awukwazi ukufundisa i-trust ukuba ilahlekise intombazana yakho ukuba ihlawule umntu ongeyomhlophe. Awunakutsho ukuba umzukulu wakho ufumana kuphela ukusasazwa xa ebeka abantwana bakhe ukuba bamkelwe. Ngokufanayo, awukwazi ukuba uya kutshabalalisa unyana wakho, ongumfana wesilisa, ngaphandle kokuba atshade nomfazi, njengomntu oyedwa osemdala owazama ukuzenza eNew York ngowama-2012, okwenza kube ngukuthetha ngezikolo zomthetho kulo lonke ilizwe. Unokuthi, "Imali yam, imigaqo yam" kodwa oko akuyinyaniso. Ufile. Awunayo imali. Ithemba liyakwenza kwaye i-trust ithobe imilinganiselo encinane yobungqina njengoko ichazwe luluntu ngeenkundla.
Xa zonke izinto zenziwa kunye nokuthanda kwakho, tyikitye iimaphepha ezidala i-trust. Yenza isithembiso sakho sokumthemba, ufake i sixhobo sithemba, kwaye uqhubele phambili kwisinyathelo esilandelayo.
3. Bhalisa i-Trust kunye ne-IRS ukuze ufumane iNombolo yokuThengwa kwabathengi (TIN)
Ukuba ukuthembela akuyiyo i-trustor trust apho umntu onika ipropati nguye olawulayo kuphela kwaye agcina amagunya athile, njengelungelo lokurhoxisa okanye ukuguqula ezinye iinxalenye zesithenjwa sokwethenjwa kwaye ngoko ke kufuneka ingxelo ingxelo yexabiso lempahla kunye nentlawulo engaphantsi kwayo. Inombolo yoKhuseleko loLuntu kwiNkcazo yakhe yaseburhulumenteni kunye neyeRhafu, i-trust trust iya kufuneka ifune inombolo yayo yokuchongwa kwabahlawuli berhafu, okanye i-TIN. Njengokuba ishishini lifuna iNombolo yoLwazi lwabaqeshi (i-EIN) kwaye umntu ufuna iNombolo yoKhuseleko loLuntu (i-SSN), i-TIN ivumela i-trust ukuba ifake i-returns yayo yedwa yerhafu, ii-akhawunti ezivulekileyo kwiibhanki , iifenki zokurhweba kunye njengamanye amaziko, kunye nezinye izinto eziyimfuneko ukuqhuba ishishini nosuku.
Ukufumana i-TIN yakho yokuthembela, unokugqiba inkqubo kwi-intanethi kwiwebhusayithi ye-IRS okanye ungayilanda ifom ye-SS-4, uyizalise, kwaye uyihambise ngeposi.
4. Ukutshintshwa kwePropati Ubeka i-Fund Trust kwi-Retitling It kunye nokuvula iiAkhawunti zeMali kwigama leTrust
Isinyathelo esilandelayo ekumiseni isikhwama sakho sokuthembela sibuyisela kwisakhiwo ofuna ukuyifaka kuso. Oku kungenziwa nje ngokuthi "[Faka igama leTrasti] njengeTrasti [Faka igama leNgxowa-mali yeTrust Family] ngomhla woku- [Faka Usuku]". Ngokomzekelo, cinga ukuba ube neengxenye ezili-10,000 ze-Exxon Mobil ezixabisa i-$ 830,000 zama-dollar ozifunayo ukuzithemba abantwana bakho. Ulungisa isithembiso seentsapho uze uyibize "I-John Smith Energy Trust". Uthi udade wakho, uAda Smith, njengomphathiswa. Uya kufumana izatifikethi zezitokhwe ngaphandle kwendawo yokukhusela kwaye ubhalise kwakhona nge-ejenti yokudlulisa, ukutshintsha isihloko esichazwe kwiirekhodi zobhaliso zamashishini egama lakho: "UAda Smith njengoTrasti ku-John Smith Energy Trust, ngoJulayi 30, 2016 "okanye into efanayo.
Ukuba uya kutshintshela i- real estate kwi-trust, uya kwi-recorder yezenzo uze usayine i-trust ngendlela efanayo: "U-Ada Smith njengoTrasti ku-John Smith Energy Trust, ngoJulayi 30, 2016".
Ukuba ithemba liza kuxhaswa ngemali ngemali, kuya kufuneka uvule i-bhanki okanye i-akhawunti yomrhweba oyicebayo ukwenza idiphozithi. Masithi uye waya kuCharles Schwab & Inkampani, omnye wabathengi abaninzi kwihlabathi. Uvula i-Akhawunti ye-Schwab One Trust ibe ubuncinci be-$ 1,000 okanye, i-$ 0 ukuba uvuma ukuvula i-akhawunti yokutshekisha edibeneyo kwigama elithembekileyo apho unika khona ubuncinane i-$ 100 ngenyanga. Ngaphandle koko, i-akhawunti ye-trust iyaziphatha, kuzo zonke iinjongo kunye neenjongo, njengokungathi i-akhawunti ye-brokerage ngolo hlobo ungathengisa kwaye uthengise impahla ngokwemigaqo ebekwayo kwisixhobo sokumthemba (umz., Ukuba uthetha kuphela rhoqo ukuthenga izabelo zeCoca-Cola, awukwazi ukuqala ukhetho lwentengiso ngaphandle kokuba ufuna ukuthotyelwa ngabaxhamli ngenxa yokuphulwa komsebenzi wokuzimela kwaye kuyafuneka ukuba uhlawule nayiphi na ilahleko oyenzayo ngenxa yokuthengiswa kwakho kwe-verboten). ISchwab iya kufuna ukuba ikopi yeso sixhobo sokuthembela ibe nerekhodi zayo uluhlu lweemimiselo ezinqanda ukuziphatha kwakho.
5. Ukunyamekela uLawulo lweTrasti kunye neeRekhodi zoBucala
Ekugqibeleni, inyathelo lokugqibela ekumiseni ithemba lakho lilawula ngokuhambelanayo nesixhobo sokuthembela ngokugcina iirekhodi ezigciniweyo, kubandakanywa iirekhodi zengxelo, ngoko ke ukuba kukho isigwebo okanye ukungahambelani, iifayili zilandelelana. Ngexesha elithile ebomini bakho, okanye ngexesha lokufa kwakho, kuya kufuneka uguqulele lo msebenzi.
Ngoxa unako ukuhlukanisa imisebenzi kwimisebenzi ethile kwaye ubangele abantu abahlukeneyo okanye amaziko (umz., Ukuqesha le nkampani ukulawula imali, le ngqinqa ukuba isebenze njengomphathi-mandla kwiziko layo, le nkampani iya kubamba impahla egcinwe kuyo, le nkampani ukunyamekela ingxelo kunye nokufakela irhafu), ezininzi iinkampani zemali zinikezela iipakethi zentlawulo, zihlanganisa iinkonzo zenkampani ye-trustee kunye nokulawula, ukubalwa kwemali kunye nolawulo lotyalo-mali. Njengoko ndikhankanyile kwinqaku lwakutshanje kwi-trust money, iVanguard, edumileyo ngemali yenkcazo yayo, iya kwenza oku kwintembeko yentsapho xa i-balance balance i-$ 500,000 kunye nemali emncinci, ngeli xesha lo kubhala, i-$ 4,500 yokulawula utyalo-mali. ngokwawo + iirhafu zokubheka kwiimali zeVanguard (umz., iirhafu zeemali zentlawulo kunye ). Phantse kuzo zonke iimeko, ubuya kujonga phakathi kweedola ezi-7,000 ukuya kwii-15,000 zama-dollar ukuthembela okulinganiselwe, okungeyona nto ingabonakalisa umngcipheko isiteyithi kufuneka sizithathele ngokwawo ukukhonza njengokuba ungene ngaphakathi kwizinto ezinokuphuma kakuhle ukuba izizukulwana ezininzi zentsapho yakho.
* Ndiya kufikelela phantse ukuba wonke umntu onabantwana abasuka emtshatweni wangaphambili ongazifuni ukuba baphunyezwe, ngenjongo okanye ngephutha, kufuneka basebenzise i-QTIP trust.