Ukutshintshwa okanye ukungatshintshi iTrust
Iingxowa Zokuphila eziPhephekayo
Ukuthembela kokuphila okuphazamisayo , okubizwa ngokuba yithemba elithintekayo, ithemba lokuphila okanye ukuthembela kwe- inter vivos , ngumane nje uhlobo lokuthembela olunokutshintshwa nanini na.
Ngamanye amagama, ukuba unesibini ingcamango malunga nelelo kwi-trust okanye utshintshe ingqondo yakho malunga nokuba ngubani omele abe ngumxhamli okanye umphathiswa we-trust, ngoko unokuguqula imigomo ye-trust ngokusebenzisa oko kuthiwa ukulungiswa kwetrust. Okanye, ukuba unqwenela ukuba ungathandi nantoni na malunga nokuthembela kukho konke, ngoko unokuphinda ukhiphe isivumelwano sonke okanye utshintshe konke okubhaliweyo ngokusebenzisa ukulungiswa kwetrust kunye nokubuyisela .
Ekubeni iindawo zokuphila ezikhuselekayo ziguquguqukayo, kutheni zonke izikholo zingasuswa? Ingcipheko kwi-trust ekhankanyweyo kukuba i-asethi exhaswa kwi-trust iyakuqwalaselwa njengempahla yakho yecredit kunye neenjongo zerhafu. Oku kuthetha ukuba ithente elikhunjulwayo linikeza ukhuselo lomthengi ukuba ulandelwa, zonke izinto eziphathekayo ziza kuthathwa njengenjongo yakho yokucwangcisa iMedicaid, kwaye zonke ipahla ezigcinwe egameni lithemba ngexesha lokufa ziya kuthobela irhafu yelizwe kunye neerhafu zomhlaba zerhafu kunye neerhafu zelizwe.
Ngoko kutheni ufanele usebenzise ukuthembela kokuphila okupheliswayo njengenxalenye yesicwangciso sakho sempahla ? Izizathu ezintathu ezibalulekileyo:
- Ukucwangcisa ukukhubazeka kwengqondo - Iimpahla ezigcinwe egameni leTrasti Living Trust ngexesha lo mntu ekhubazeka ngengqondo lilawulwa yi-trustee yabo yokukhubazeka kunokuba ngumgcini ogcinwe yinkantolo okanye umgcini- mgcini.
- Ukukhusela ingxaki - Iimpahla ezigcinwe egameni le-Revocable Living Trust ngexesha lokufa komntu ziya kudlula ngqo kubaxhamli ababizwa kwisivumelwano sokwethenjwa kunye nangaphandle kwenkqubo yovavanyo .
- Ukukhusela ubumfihlo bepropati yakho kunye nabaxhamli emva kokufa- Ngokugwema ukuvavanya ngethemba lokuphila okukholiswayo, isivumelwano sakho sokuthembela siya kuhlala sisicatshulwa sabucala kwaye ugweme ukuba yirekhodi lomntu wonke umhlaba ukuze ubone nokufunda. Kuya kugcinwa iinkcukacha malunga nezinto zakho kwaye ngubani na ugqibe ukushiya indawo yakho ukuya kwintsapho yangasese. Qhathanisa oku kunye nenjongo yokugqibela kunye nesigqibo esivunyelwe ukuba siyihlole-iba yirekhodi yenkundla kawonkewonke ukuba ubani unokubona nokufunda.
Iingxowa-mali ezingapheliyo
Ukuthembela okungenakuguqulwa kukuphela kohlobo lokuthembela olungenakuguqulwa emva kokuba isivumelwano sisayinwe, okanye ithemba elithintekayo eliyilungelelaniso emva kokuba i-Trustmaker ifa okanye emva kweminye indawo ethile ngexesha. Nangona kunjalo, ubhekisele kwiTrasti engaguqukiyo ingatshintshwa? ngolwazi olongezelelweyo malunga neemeko ezithile apho ukuthembela okungenakutshintsho kunokutshintshwa.
Ngokwethenjelwa lokuphila ngokuthe tye , kuya kuba yinto engaguqukiyo xa i-Trustmaker isweleka kwaye ingahle yenzelwe ukuhlaselwa ngamathemba ahlukeneyo angenakuguquguquka ukuze inzuzo yeqabane elisindalayo, njengokusetyenziswa kwe- AB Trusts okanye i-ABC Trusts, okanye kwixesha elide elingenakuguquka ithemba inzuzo yabantwana okanye abanye abaxhamliweyo.
Iintembeko ezingenakuthenjwa zingathatha iifom ezininzi kwaye zisetyenziswe ukufezekisa iinjongo ezahlukeneyo zokuceba:
- Ukunciphisa intela yezindlu
Amathemba angenakunyuswa, njengemali yomshuwalense wokuphila engapheliyo , aqhelekileyo asetyenziselwa ukususa ixabiso lepropati evela kwipropati yomntu ukuze ipropati ayihlawulwanga xa umntu efa. Ngamanye amagama, umntu ogqithisa i-asethi kwisithenjwa esingenakuguquka unika phezu kweefa kwi-trustee kunye nabaxhamli be-trust ukuze loo mntu engabanikazi ifa. Ngaloo ndlela, ukuba loo mntu akasenayo i-asethi, ke abanako ukuhlawulwa irhafu xa umntu efa kamva.
Njengoko kuchazwe ngentla, i- AB ethembele eyadalwa ngenzuzo yecala eliphilayo lingenakuguquguquka kwaye, ngoko, inokusebenzisa ngokupheleleyo umxolelwane womntu oshonile kwiirhafu zeempahla ngokuxhaswa ngemali ye- B ethembele kwipropati exabisekileyo okanye ngaphantsi kweerhafu ukuxolelwa. Emva koko, ukuba ixabiso lefa lomntu oshonile lidlula ukuxolelwa kwentlawulo yerhafu , i-A Trust iya kuxhaswa ngemali ngenzuzo yecala elihlalayo kwaye ukuhlawulwa kweerhafu zomhlaba kuya kuthiwa emva koko emva kokufa komlingane .
I-ABC itrasti ingasetyenziselwa izibini ezitshatileyo ezihlala kwimeko eqokelela irhafu yelizwe , kwaye ukuxolelwa kweerhafu yelizwe kuphantsi kwe-taxeral exemption tax exemption . Ngokomzekelo, eMassachusetts i-exemption tax exemption yi-$ 1 yezigidi, xa kuthelekiswa ne-$ 5.34 yezigidi zemali ezikhoyo, ngoko ke eMassachusetts i-$ 1 yezigidi yokuqala iya ku-B Trust, i-$ 4.34 yezigidi ezizayo ziya ku-C trust, kwaye nantoni na ngaphezu kwezigidi ezingama-5.34 ziza ku-A Trust.
- U khuselo lweAset
Olunye usetyenziso oluqhelekileyo lokuthembela okungenakutshintsho kukubonelela ngokukhusela i-Trustmaker kunye neentsapho zeTrustmaker. Oku kusebenza ngendlela efanayo nokuba nethemba elingenakuguqulwa lingasetyenziselwa ukunciphisa irhafu yezindlu-ngokubeka ixabiso kwi-trust unreableable, i-Trustmaker inika ukulawula ngokupheleleyo, kunye nokufikelela kwi-asethi ye-trust, ngoko ke, i-asethi ye-trust ayikwazi kufikelelwe ngumthengi weTrustmaker okanye umthombo okhoyo wokucwangcisa iMedicaid. Nangona kunjalo, intsapho kaTrustmaker ingaba ngabaxhamli bethemba elingenakuthenjwa , ngaloo ndlela lihlinzekela intsapho inkxaso ngenkxaso, kodwa ngaphandle kokufikelela kwababolekisi. Kukho nethemba elingenakuguqulelwa elibizwa ngokuba yizinto ezizimeleyo , okanye iindawo zokukhusela i-asethi zasekhaya ekuthiwa kwezinye iindawo, kuquka iAlaska, iDelaware, Nevada, neTennessee, zinikezela ngokukhuselwa kwemali-mboleko kwaye zivumela ukuba iTrustmaker ibe ngumxhamli othembekileyo .
Kwakhona, njengoko kukhankanywe ngasentla, iinkolelo ezahlukeneyo ezingenakuguquka ezinokudalwa ngenzuzo yecala lomntu ohlala kwi-Trustmaker okanye abanye abaxhamliweyo emva kokufa kwe-Trustmaker ye- Revocable Living Trust ukufa kunokuklanywa ukunikezela ukukhuselwa kwempahla kubaxhamli be-trust .
- UkuCwangciswa kweZindlu zoHlelo
Olunye usetyenziso oluqhelekileyo lokuthembela okungenakuguqulwa kukuba kukufezekisa ukucwangcisa indawo yokuhlala, njengokuba kusetyenziswe intsalela yokuncedisa okanye inkolelo yokunceda . Ukuba i-Trustmaker yenza ukuhanjiswa kokuqala kweempahla kwi-trust ethembekile ngenkathi esaphila, ngoko u-Trustmaker uya kufumana irhoxiso yerhafu yengeniso onyakeni kunyaka odluliselweyo. Okanye, ukuba ukuhanjiswa kokuqala kwexabiso kwi-trust trust kungenzeki kude kube emva kokufa kukaTrustmaker, i-Propertymaker will receive a deduction tax tax deduction.