Yintoni emele i-FBO?
I-FBO Trust
Ixesha le-FBO lisetyenziselwa xa ithemba elithembekileyo libizwa ngokuba ngumxhamli we-inshorensi yobomi bomshuwalense. Unokwazi ukuqwalasela into efana nale njengegama lomnini-mali:
"Jane Smith Living Trust UAD 02/17/17 FBO Jake noJoe Smith."
Ukuguqulela kusebenza into enjengale: UJane Smith udale ithemba lokuphila phantsi kwesivumelwano somhla kaFebhuwari 17, 2017, ukuba ube ngumgaqo-nkqubo womshuwalense wobomi kwaye uqokelele okokugqibela.
Ithemba liyinzuzo yoonyana bakhe, uJake noJoe Smith, abaza kuzuza ifa lokufa komgaqo-nkqubo xa efa. Ukuqokwa kwe-FBO kubeka ngokufanelekileyo injongo yokuthembela yokuphila. UJake noJoe baxhamli baxhamli be-trust.
Ezinye iifayile zeeFBO
Ukuqokwa kwe-FBO kungabonakala kuyo nayiphina i-akhawunti okanye i-asethi ephethe utyunjwa-mali. Nazi ezinye izibonelo.
- UJane Smith ufuna ukugqithisa u-401 (k) kuye kwi- IRA . Yenza onke amalungiselelo afanelekileyo kwaye ifumana isheke ukusuka kwi-401 (k) umlawuli wecebo lokulinganisela kwe-akhawunti yakhe. Ikhonkco iya kuthanda ukuba yenziwe kumlawuli wecebo le-IRA ngokubaluleka, "I-FBO uJane Smith." Iimali ziye zajoliswa kwi-akhawunti entsha kwaye zenzelwe inzuzo kaJane. Ukuba isitshekishi senziwe kuJane, sinokubalwa njengama-401 (k) ukusabalalisa iirhafu kunye nezohlwayo xa engayifaki ngqo kwi-akhawunti enye yomhlala phantsi ngexesha elide.
- Abantwana abanakuwubamba ngokusemthethweni imali okanye impahla, ngoko ke ukubizwa kwe-FBO kuya kuvela ngamanye amaxesha kuhlolwe okanye ezinye izixhobo zemali eziqondisa imali kubo. Ukuba umntwana oza kufumana i-$ 50,000 kwi-estate estate, isheke liyakwazi ukufunda "i-FBO uSally Smith" emva kwegama likaMama kaSally njengomvuzo okanye, ukuba ngabazali bafa, igama lomgcini-mgcini okanye umphathiswa oya kulawula kwipropati yomntwana kunye nemali aze afinyelele kwiminyaka yesininzi. Oku kunokwenzeka nokuba ngaba umxhamli weengxowa-mali ukhubazekile okanye mhlawumbi akakwazi ukujongana nemicimbi yakhe ukuze umntu amiselwe ukuba enze njalo.
- Ukuqokwa kwe-FBO kukwabonakala kwakhona kwi-transfer yezimali kwi-bhanki. Isheke singenziwa kwibhankini kodwa ngokukhawuleza idluliselwe kwi-akhawunti yomxhamli.
- Ukutyunjwa kungase kubonakale ukuba uthumela imali kwi-charity name name ukuphakamisa imali ngenxa yezizathu ezithile, ezifana ne "Hospice Fund FBO uJane Smith."
QAPHELA: Imithetho ingatshintsha ngamaxesha kwaye ulwazi olungentla lungabonakali utshintsho olutshanje. Nceda uqhagamshelane nommeli okanye umcebisi wezezimali malunga neengcebiso eziphezulu ngokusesikweni ukuba ucinga ngokuqamba umxhamli we-FBO kunaliphi na i-akhawunti. Ingcaciso equlethwe kule nqaku ayijoliswanga njengeengcebiso zomthetho kwaye ayifaki indawo yeengcebiso zomthetho.