Ngaba iingcali zibhetele kuneziqhamo?
Xa kuziwa ekukhethweni kweenjongo zokucwangcisa ifa, abaninzi abantu bakuthola kunzima ukukhetha phakathi kwabantwana babo okanye nabanye abantu njengabantakwabo kunye nabahlobo. Sekunjalo, abanye abakholelwa ukuba naluphi na amalungu abo entsapho okanye abahlobo abakwaziyo ukukhonza, okanye abantwana babo basengabantwana kwaye abasemthethweni abakwaziyo ukukhonza. Kule meko, i-fiduciary yenkampani efana nebhanki enika iinkonzo zolawulo lwetrasti okanye inkampani yokuthembela ngokuzimeleyo inokuba yinto ekhethekileyo.
Ngezantsi uludwe lwezinto ezixhamlayo kunye neengxaki ezichaphazelekayo ngokukhetha iTrasti okanye ezinye iifuruciary.
I-PROS:
- Ulawulo lweengcali - Iifayili zenkampani ziyanceda kwizinto abazenzayo. Baya kuba namalungu amaninzi amaninzi anamava amaninzi amava ekujonganeni neengxaki zeendawo kunye nokulawulwa kwee-akhawunti kunye nokugcinwa kwee-akhawunti kunye nabaphathi beepotfoliyo ukuba baqaphele ngobuchule imali . Oku, kuya kuthi, kuya kubakho ulawulo lweengcali kunye neenkonzo zokutyalomali.
- Ukungathathi hlangothi - I-fiduciary yenkampani ayiyi kuba nobudlelwane obusondeleyo kubaxhamli bakho, okuya kususa konke uxinzelelo lwengqondo kunye noxinzelelo lokuba ilungu lentsapho okanye umhlobo unakho ukuthotyelwa xa ukhonza njenge-fiduciary yakho. Ngaphandle kwalokhu, i-fiduciary yenkampani ayiyi kuhlaziywa ngabakhethiweyo bexesha elidlulileyo okanye ukuphila kwangoku kwaye iya kulawulo nje, i-trust, okanye umlondolozo njengoko kunikezelwe ngokwegama elicacileyo lakho lokugqibela kunye neTestamente okanye i- Revocable Living Trust kunye nelizwe elisebenzayo nomthetho.
- Elinye isitoreli sokugcina - I-fiduciary yenkampani iya kuba nazo zonke izibonelelo ezikhoyo ukulawula, ukutyalomali, ukunika i-akhawunti, kwaye uchithe ifa, umethemba okanye i-asethi yomncedi phantsi kwephahla elilodwa. Oku kuya kubandakanya iinkonzo zotyalo-mali, iinkonzo ze-brokerage, i- estate or trust accounting services , kunye neenkonzo zokuphathwa kwezindlu. Ngakolunye uhlangothi, i-fiduciary nganye iya kufuneka iqeshe abaqeqeshi abaninzi ukuba bajongise yonke imiba yokulawulwa kwefa, ithemba, okanye umgcini. Ngokomzekelo, ukuba ubiza igama lommeli wezocwangciso zezindlu , uya kufuneka ukuba aqeshe umcebisi wezezimali ukutyalomali ifa, umphathi wepropati ukuphatha i-real estate, kunye nomgcini-mali ukuba abuyisele i-tax revenue tax return ( Ifom ye-IRS 1041 kwakunye neentlawulo zeerhafu zentlawulo ekhoyo).
- Umgangatho ophezulu wokunyamekela - Ngenxa yokuba ama-fiduciary ezinkampani ziimashishini kuphela, kufuneka ukuba anikwe ilayisenisi, axhonyiwe kunye ne-insured kwaye ayaxhomekeke kwimimiselo esemgangathweni karhulumente kunye nemimiselo. Oku, oko kuthetha ukuba baya kubanjelwa kumgangatho ophezulu kakhulu wokunyamekela, ngaphezu nangaphezulu koko umntu oqhelekileyo uza kubanjwa xa elawula ifa, ithemba okanye umgcini. Ngoko ke, ukuba i-fiduciary yenkampani yenza impazamo, ijaji iya kuba namandla okulawula ngokumelene neziko kwaye, ngoko ke, isiko siya kuba nemali efanelekileyo yokuhlawula iimpazamo zayo. Oku ngokuqhelekileyo akuyi kuba yinto enomntu oyedwa okanye ongenamava okulawula ifa, ukuthembela okanye umgcini kwaye uya kugcinwa kuphela ngenxa yezenzo okanye ukushiya okubalulekayo.
CONS:
- I- fiduciary ezinobuncwane zingaba nzima kakhulu kwaye zibekwe ezindleleni zazo xa kuziwa kutyalo-mali, ukulawula, kunye nokuchitha ifa lempahla, ithemba, okanye umgcini. Oku kunokukhokelela kubaxhamli abangenabuhlali abaya kunyanzelwa ukuba baye enkundleni ukuxazulula iingxabano phakathi kwabo kunye neziko. Enye indlela yokuphepha le ngxaki kukubeka imiyalelo ecacileyo kwiSicwangciso sakho sokugqibela kunye neTestamente okanye iSivumelwano sokuKhuselwa kweNdawo yokuThumela ukuVikela ukuze isikhungo sibe nezikhokelo eziqinileyo eziza kulandelwa xa zilawula i-estate, trust or guardiance.
- Ixabiso - Ukuze unikezele zonke iinkonzo zayo zobugcisa, i-fiduciary yenkampani iya kuba yindleko engaphezulu kweyomntu ngamnye. Njengoko kuchazwe ngentla, kunjalo, umntu uya kufuneka ukuba aqeshwe ukubulawa kweengcali zokuncedisa ukulawula indawo, ukuthembela okanye ukugcinwa. Ezi ntlawulo ziyakongeza ngokungezelelwe kwaye zingabiza iindleko ezininzi, okanye ngaphezu koko, iifizi zemali.
- Indlela yekomiti - Iiforikhiyari zenkampani zisebenzisa iikomiti ukwenza ezininzi izigqibo zazo. Oku, kunokukhokelela ekulibazisekeni kwexesha elide ekuthatyathwe egameni le-estate, trust, okanye umgcini, kunye neempendulo ezimfutshane kwiimfuno zabaxhamli okanye ukukhathazeka. Inkqubo yekomiti inokuthi ilahleke amathuba okutyalo-mali afuna iimpendulo ngokukhawuleza kunye nokulawulwa kwexesha elide. Ngakolunye uhlangothi, ikomiti iya kuzisa iminyaka namava kunye nolwazi kwitafile kwaye yenza inkqubo yesigqibo umzamo wokusebenzisana esikhundleni sokubaluleka okanye ubuncinane.
- I-bureaucracy - i-Corporate fiduciaries yileyo, iinkampani, kwaye, ngokwenene, yenziwe ngamasebe amaninzi namaofisi asezindaweni ezahlukeneyo nakwiidolophu ezahlukahlukeneyo. Ukusika nge-tape ebomvu ukufumana umntu onokukunceda kwi-pinch kunokukhathaza, kwaye ukuthetha nomntu ofanelekileyo ngexesha elifanelekileyo akunakwenzeka. Ngaphezulu koku, abaqeshwa babo bahlala bekhuthazwa kwiindawo ezintsha kwiziko okanye bahambe ngamathuba angcono kwamanye amaziko. Konke oku kunokukwenza ukusebenzisana ne-corporate fiduciary, ngokukodwa into esekweni kwesinye isixeko okanye urhulumente, ngokugqithiseleyo. Esikhundleni se "bhokisi enkulu" ye-fiduciary, qwa lasela i-bhanki yendawo encinci okanye ibhendi yenkampani ye-trust - ezi ntlobo zeenkampani zenkampani zixhaphaza kakhulu kunye nabaxhasi babo kwaye ngokubanzi ziza kusebenza kunye neziza, ukuthembela okanye ukugcinwa kwexabiso ngenani eliphantsi elingaphaya kunkulu , "ibhokisi enkulu" i-corporate fiduciaries.
Yintoni Okufanele Uyenze?
Amafiduciary corporation ayilona unyanzelekileyo kuwo wonke umntu, kodwa kwakhona uMalume uBob okanye elinye ilungu lentsapho alinakukhetha. Ukuba ukhathazeke ngamandla entsapho okanye ngabahlobo ukuphatha ifa, ukuthembela okanye ukugcinwa, ke uthetha kwiibhanki ezininzi okanye iinkampani zithemba ukufunda kabanzi ngabaqeshwa babo, iinkonzo kunye neentlawulo. Ukongeza, ukuba ukhethe i- trusttime trust trusts okanye i- kingsyn trusts kubaxhamli bakho, ngoko-fiduciary iya kuqinisekisa ukuba imali yakho eyimali ekhuni iya kuhlala kwimida yakho yegazi kwaye iza kuhanjiswa ngokuhambelana nemiyalelo yakho ecacileyo njengoko ibhalwe uza ku thembeka.