Ukuqhawula umlingani wakho okanye iTrust
I-akhawunti yeMpilo okanye ye-Akhawunti yokuThengiswa kwezoTyhuna yinto yohlobo olumele isivumelwano sokwenza imali, ngoko awukwazi ukutshintsha umnini we-akhawunti kwi-Trust yakho yokuThumela i-Revocable Living Trust. Kunoko, kuya kufuneka ukhethe omnye okanye abaxhamli abaninzi ukufumana "i-HSA" okanye "i-MSA" xa usweleka. Nazi ezinye izinto oza kuziqwalasela xa ukhetha abaxhamli be-HSA okanye i-MSA.
01 I-Akhawunti yokutshata i-Akhawunti - Indawo engabonakaliyo
02 I-Akhawunti yokuGxa eThatywayo - Impahla ehlawuliswayo
Ukuba utshatile kwaye ifa lakho lihlawulwa, ngoko kufuneka uqwalasele igama lakho elikhuselekileyo lokuThengisa njengeThaferensi ye-HSA okanye iMSA. Oku kuya kuqinisekisa ukuba ukuxolelwa kwakho kwerhafu yendawo ekhethiweyo ingasetyenziselwa ukuxhasa imali ye-AB Imali ethe yadala phantsi kwemiqathango yokwethemba kwakho ukuze inzuzo yakho iqabane. Impendulo eyintloko yokubiza igama lakho ngethemba lokuba ixabiso lemarike elifanelekileyo le-HSA okanye i-MSA liya kufuneka lifakwe kwingxelo yakho yokugqibela yentlawulo. Kodwa ke, phawula ukuba imali ehlawulwayo ingancitshiswa yiyiphi iindleko zonyango ezifanelekileyo ezihlawulwayo egameni lakho kungakapheli nyaka wokufa kwakho. Kufuneka uqhagamshelane nommeli wecebo lakho lokwazisa ukuba umlingani wakho okanye umthendeleko kufuneka ubizwa ngokuba ngumxhamli oyintloko.
03 I-Akhawunti Yokutshata Umtshato - Okwesibini okanye Umtshato Kamva
Ukuba unomtshato wesibini okanye kamva, kufuneka uqikelele ngamagama abantwana bakho okanye abanye abaxhamli njengabaxhamli abaziintloko be-HSA okanye i-MSA. Oku kuya kuqinisekisa ukuba i-akhawunti idlula kubaxhamli bakho abakhethiweyo. Ingongoma enkulu yokubiza umntu ngaphandle kweqabane lakho njengomntu oyintloko oyiluncedo kukuba ixabiso lemarike elifanelekileyo le-HSA okanye i-MSA liya kufuneka lifakwe kwi-income taxable tax benefits. Imali ehlawulwayo, nangona kunjalo, inokuncitshiswa yiyiphi iindleko zonyango ezifanelekileyo ezihlawulwayo egameni lakho kungakapheli nyaka wokufa kwakho. Kufuneka uqhagamshelane nommeli wecebo lakho lokwazisa ukuba ngaba iqabane lakho okanye abanye abaxhamliweyo kufuneka baqeshwe njengeyona nto incedisayo.
04 I-Akhawunti ye-akhawunti eyodwa
Ukuba ungatshatanga, unako ukhetho olunokubaluleka kwinqanaba lakho lokuqala: i-Revocable Living Trust okanye abaxhamli ngabanye. Ukuba ngaba nabani na abaxhamlileyo kwi-Your Revocable Living Trust bancinane, kuya kufuneka ufune igama lakho lokuba nethemba lokuba ngumxhamli oyintloko ukuqinisekisa ukuba i-akhawunti ayithobeli phantsi komgcini ogcinwe yinkantolo egameni lomntwana. Qaphela ukuba ngelixa i-akhawunti iya kufuneka ifakwe kwingeniso ehlawulwayo yabaninikeli bakho, imali ehlawulwayo ingancitshiswa yiyiphi iindleko zonyango ezifanelekileyo ezihlawulwayo egameni lakho kungakapheli nyaka wokufa kwakho. Kufuneka uqhagamshelane nommeli wecebo lakho lokulunga ukuze uqinisekise ukuba ukuthembela kwakho okanye abanye abaxhamliweyo kufuneka baqeshwe njengeyona nto incedisayo.