Uninzi lwabantu abanamava amancinci abhekisela kwinto eyenzekayo emva kokuba wabo othandekayo efile kwaye baye baqanjwa ngokuthi nguTrasti ozayo oya kuba ngumphathi wokulungisa uMntwana wakhe othandekayo. Injongo yesi sikhokelo kukubonelela ngokubanzi kwinqanaba elithandathu elifunekayo ukulungisa nokuphelisa i-Revocable Living Trust emva kokufa kweTrustmaker .
01 Inventory
Isinyathelo sokuqala ekulungiseleleni i-Revocable Living Trust kukufumana zonke iimpepha zokucwangciswa kweendawo zokuqala kunye namanye amaphepha abalulekileyo. Ngaphandle kokufumana isivumelwano sokuQinisekisa sokuThunywa kweMpilo kunye neyiphi na izilungiso zethenda, kuya kufuneka ukuba ufumane i-Willed Out Over Over Will .
Ukongeza, i-decedent inokushiya umngcwabo obhaliweyo, ukucinywa, ukungcwatywa okanye imiyalelo yesikhumbuzo kunye nememorandam yomhlaba . Wonke amaxwebhu angundoqo kufuneka agcinwe kwindawo ephephile aze anikwe ummeli wethemba.
Amanye amaphepha afanelekileyo aya kubandakanya ulwazi malunga neempahla ze-decedent, ezibandakanya izitatimende zebhanki kunye neerrkerage, izitifiketi zesitokisi kunye nezibophelelo, iinkqubo ze-inshorensi yobomi, iirekhodi zeenkampani, izihloko zeemoto kunye neenqanawa, kunye nezenzo ze-estate; kunye nolwazi malunga namatyala e-decedent, kubandakanya iibhidi zesevisi, iibhidi zamaphepha-mboleko, iimali-mboleko, iimali-mboleko zemali, iimali-mboleko zonyango kunye ne-bill bill. Jonga kwiiNcwadi ezifunekayo emva kokuba umntu efa? uluhlu oluninzi lweempepha ezithile eziza kufuneka zifumaneke.
Emva kokuba onke amaxwebhu abalulekileyo sele afunyenwe, funda i-Revocable Living Trust ukuze uqinisekise amalungiselelo akhe athile. Xa uhlolisisa i-trust, yenza amanqaku malunga nale miyalelo-ekhethekileyo malunga nokungcwaba, ukutshiswa okanye ukungcwaba; ngubani ofumana iziphumo zomntu othombileyo; ngubani ofumana nayiphi na iindleko ezizodwa; ngubani ofumana ukuthembela okutshatyalaliswa komntu osemthethweni; obizwa ngokuba nguTrasti (s) oyimbuyiselo ukulungisa i-trust kunye nowabizwa ngokuba nguTrasti (okanye) nawaphi na amathenda okufuneka adalwe ngoku ukuba iTrustmaker ifile; umhla kunye nendawo apho isivumelwano somthendeleko sisayinwe khona; kwaye wasayina i-trust njengamangqina kunye no-Notary Public.
Ukongeza kokufunda i-Revocable Living Trust kwaye isishwankathela into ekuthethwa ngayo, hlaziya amaxwebhu eemali ahloniphekileyo kwaye wenze uludwe lwezinto ezifunekayo kunye neentlawulo zeempahla, ukuba i-asethi ngayinye ibhalwe njani (egameni le-trust, kwigama ngalinye lomnini -trustmaker, njengabaqeshi abafanayo , okanye ngamagama adibeneyo nomnye umntu, kwaye, ngenxa yeempahla kunye namatyala aneenkcazo, ixabiso le-asethi okanye ityala njengoko kubhalwe kwisitatimende kunye nomhla wesitatimende. Ukongeza, i-decedent phambi kweminyaka emithathu yentlawulo yengeniso yerhafu kufuneka ibekwe kwaye ibekwe eceleni.
Xa amaxwebhu abalulekileyo adingekayo ahlelwe ngolu hlobo, oku kulandelayo kukudibana nommeli wegqwetha ukuba aqinisekise ukuba ngaba kuya kufuneka kwaye kufuneka ukuba uncedo lommeli luzakufuneka ukulungisa i-trust.
02 Hlangana neGqwetha leTrasti
Xa amaxwebhu asemthethweni afanelekileyo kunye namanye amaphepha ebalulekileyo ahlelwe ngolu hlobo, isinyathelo esilandelayo ekukulungiseni i-Revocable Living Trust kukuhlangabeza kunye negqwetha lokumthemba ukuqinisekisa ukuba ngaba kuya kufuneka ukuba uvavanyo luza kufuneka yini kwaye ukuba uncedo luya kufuneka ukuba uncedise ukulungisa ngokuphelisa i-trust.
Ukuba ngaba kuya kufuneka, kufuneka ubhekise kwiCandelo leNyathelo ngeSigaba sokuVulwa kweProbate Estate kunye neNqanaba leNyathelo eliseNkundleni yokuPhuhlisa iMpahla ukuze ufumane iinkcukacha ngokubanzi malunga nenkqubo yokuhlola. Jonga Kufuneka Uzuze I-Attorney Ukubeka Ithemba Eliphilayo Elikhuselekileyo? uluhlu lwezizathu zokubangela ukuba igqwetha le-trust lingadinga ukukunceda ngokulungisa i-trust.
Emva kokuba unqume ukuba ngaba kuya kufuneka, kwaye nangona kungenjalo, ukuba uya kulufuna uncedo lommeli wokulungisa i-trust, isinyathelo esilandelayo kukumisela umhla wokufa kwexabiso kuzo zonke ixabiso lempahla.
03 Ukuxabisa iAsset's Assets
Emva kokuba udibene nommeli wegqwetha, isinyathelo esilandelayo ekukulungiseni i-trust is to establish date of death values for all assets of decedent.
Wonke amaziko eemali apho i-asethi ye-decedent ifumaneka kufuneka idibene nayo ukufumana umhla wokufa kwexabiso. Kwizinto ezibandakanya ukuthengwa kwezindlu, iimpembelelo zomntu siqu kubandakanya ubucwebe, ubugcisa, kunye neziqokelelwane, kunye namashishini abanjelwe ngokusondeleyo, kuya kufuneka ukuba ahlolwe ngumhloli wechule.
Qaphela ukuba ixabiso lazo zonke iimpahla ze-decedent ziza kufuneka zisungulwe, kubandakanywa nabangena ngaphandle kwetrust, ukwenzela ukuba banqume ukuba nayiphi iirhafu zezindlu kunye / okanye irhafu yefa iya kuhlawulwa. Iimpahla ezingadlulela ngaphandle kwetrasti zingaquka abo babenabanikazi abaqeshiweyo okanye abaqeshi abadibeneyo abanelungelo lokusinda , abahlawulwa ngokufa okanye ukudluliselwa kwiinkcukacha zokufa , kunye ne-inshorensi yobomi, i-IRAs, i-401 (k) kunye no-annuities kunye abaxhamli Khangela kwiiNdawo ezingekho phantsi kweMpahla kwaye zifakiwe kwi-Your Estate? ukuchonga ukuba yintoni na, ukuba kukho na, ixabiso elingenanto elingenayo i-property owned.
Ngomhla wokuba ixabiso lokufa liye lamiselwa kwi-asethi ye-decedent, isinyathelo esilandelayo kukuhlawula iindleko zokugqibela zeendleko kunye nezindleko eziqhubekayo zokulawula i-trust.
04 Ukuhlawula iindleko kunye neendleko
Ngumsebenzi weTrasti yomsebenzi wokufumanisa ukuba yiziphi iibhidi ezifunekayo ngexesha lokufa, zichonga ukuba ngaba iibill zivumelekile, kwaye ke zihlawule iibhili. Umqhubi weTrasti uza kuba noxanduva lokuhlawula iindleko eziqhubekayo zokulawula i-trust, njengemali yezomthetho, nayiphi na imali yemali-mboleko, iinkonzo, iintlawulo ze-inshurensi, iintlawulo zokubolekwa kwempahla kunye neengxowa-mali zabaninikhaya okanye i-condominium.
Emva kokuba iTrasti eliyilandelayo ihlawule iindleko zokugqibela zeendleko kwaye zineendleko zithemba phantsi kolawulo, isinyathelo esilandelayo kukuhlawula irhafu yerhafu kunye neerhafu zomhlaba ezinokubakho.
05 Ukuhlawula irhafu
Emva kokuba iTrasti eliyilandelayo ihlawule iindleko zokugqibela kwaye zineendleko zokuqhubeka zithemba phantsi kolawulo, isinyathelo esilandelayo ekukulungiseni i-trust ishawula nayiphi na irhafu yentlawulo kunye neerhafu zokufa ezingenzeka.
Umqhubi weTrasti uya kulungela ukulungiselela nokufaka iifom zokugqibela zentlawulo kunye ne-state okanye irhafu yerhafu kunye nokuhlawula irhafu nayiphi na irhafu. Ingxelo yokugqibela yentlawulo yerhafu iya kuhlawulwa ngo-Ephreli 15 wonyaka emva komnyaka wokufa.
Ngaphandle kokufakela ukubuyiswa kweerhafu yokugqibela yerhafu, ukuba ifa lifumana inzuzo ngexesha lolawulo, emva koko iTrasti iya kulungiselela ukulungiselela kwaye ifake yonke imbuyekezo yentlawulo yengeniso ye-tax office ( IRS Ifomu 1041 ) kunye nayo nayiphina indawo irhafu yengeniso.
Ukuba i-estate decedent ihlawuliswa kwiinjongo zentlawulo ye-federal kunye / okanye karhulumente, umxhasi weTrasti uza kuba noxanduva lokulungiselela nokufakela ukubuyiswa kweerhafu ye-federal (ifom ye-IRS 706) kunye / okanye irhafu yelizwe kunye / okanye ilifa lelizwe ukubuyela kwerhafu, kwaye ke ukuhlawula iibhili (irhafu) zerhafu.
Qaphela ukuba ezinye iinkolelo zingadinga ukufakela ukubuyiswa kweerhafu zomhlaba ngaphandle kokuba kungabikho irhafu yendawo eya kufuneka. Bhekisela kuNini i-Return Estate Tax Return efunekayo ukuba ifakwe? ukuchonga ukuba ngaba ifom ye-706 iya kucelwa ukuba ifakwe kwi-trust of decedent.
Bhekisela kwiiNdidi zeeTekethi ezifanelekileyo emva kokuba umntu efile? njengesikhokelo kwiintlobo ezahlukeneyo zerhafu ezinokuhlawulwa kunye neerhafu zentlawulo eziya kufuneka zifakwe.
Emva kokuba yonke irhafu yengeniso kunye nemiba yerhafu yendawo yokuhlala isisombululiwe, isinyathelo sokugqibela sokulungisa ifa kukukwenza ukwabiwa kwezinto ezishiywe kubaxhamli abathembekileyo kunye nokuphelisa i-trust.
06 Ukuhambisa kunye nokuphelisa
Ngokuqhelekileyo, umbuzo wokuqala ukuba abaxhamli bezithemba baya kubuza uTrasti " oza kuthi ndiza kufumana nini ifa lam? " Kodwa ngelishwa kubaxhamli, ukusabalala kwezinto ezikhoyo ezithembekileyo kubathengi kuyisinyathelo sokugqibela sokulungisa i-Revocable Living Trust.
Ngaphambi kokwenza nayiphi na isabelo kubaxhamli bezithemba, umTrasti oyimbuyiselo makaqiniseke ukuba zonke iindleko zokulawula i-trust (kunye ne-probate estate ukuba kukho enye) kwaye zonke iirhafu ziye zahlawulwa okanye izinto ezifanelekileyo zibekelwe bucala ukuba zihlawule iindleko kunye neerhafu zokugcina.
Ngaphandle koko, ukuba uTrasti oyimpendulo ukhetha ukunikezela izabelo kubaxhamli kodwa iindleko ziza emva koko, uTrasti oyimbuyiselo uya kufuneka ahlawule le ndleko kwi-pocket yakhe.
Ukongezelela, ukuba ingxaki yezinye izinto ezifunekayo, kufuneka abaxhamli bafune ukulinda kude kube yilapho i-estate estate probation ivaliwe kwaye iimpahla ze-probate zihanjiswe kwiTrasti ngaphambi kokuba i-trust ithoxiswe kwaye abaxhamli banokufumana labo ilifa.
Ukuba ukulawulwa kwetrasti kulindeleke ukuba kuthathe ngaphezu konyaka, i-Trustee elandelayo kufuneka isebenze ngokusondeleyo kunye nommeli we-trust kunye nomgcini-zimali ukuba acwangcise ukubeka eceleni izinto ezifanelekileyo zokuhlawula iindleko zithemba eziqhubekayo kunye nokwenza ukwabiwa kwabaxhamli be-trust izigaba endaweni yesinye isamba semali.