I-Settlor ne-Grantor kunye noTrustmaker-Ngubani owenzayo?
Yonke le ingentla. Yonke into emine ithetha into efanayo. Bachaza umntu owamisa i-trust, ingaba iyasuswa , ingenakuguquka okanye ityantamente . Umphathiswa / umniki-mali / umgcini-mhlaba / u-trustor uxhaswe ngemali, uthetha impahla yakhe kunye ne-asethi kumnini wayo.
Leyo yinto elula.
Izibonelelo zoNcedisi
Kungabonakala kunengqiqo ukuba zonke iinkolelo kufuneka zibe yizinto zokunika inkxaso kuba bonke abathembekileyo banomnikezi-mali, kodwa oku akunjalo. Igama elithi " umniki-mboleko " linxulumene nentlawulo. Inxulumene nomntu ozalisa enye indima enkulu kwi-trust: trustee.
I-trustee ilawula ipropati efakwe kwi-trust. Unokuyithengisa, ityala imali, okanye ithenge ipropati eyongezelelweyo yefesti kunye nengeniso eveliswa yimpahla ye-trust. INkonzo yeNgeniso yangaphakathi ithatha isikhundla sokuba ukuba umnini-mali kunye nomphathiswa ngumntu ofanayo, oku kwenza ukuba kubekho ithemba lokunika inkxaso. Njengomphathiswa, ugcina ulawulo lwepropati ye-trust, ngoko "yinto ebhaliweyo" ngenjongo yentlawulo. Unika ingeniso yayo kwingeniso yakho yerhafu, kwaye uhlawula irhafu yengeniso kuloo mali. Uninzi lwabaxhasi boxhaswa ngamatyala avuselelweyo avumela umnikezeli / umphathiswa ukuba atshintshe isixhobo sokuthenjwa kunye nemigomo yaso nangaliphi na ixesha xa ehlala efanelekileyo ngokwengqondo.
Iingxowa-mali ezingaboneleli
Abathengi abangenabaniki-mali abanamathenda awanakwenzeka. Ewe, iinkolelo ezingaguqukiyo zinabanikezeli, kwakhona, kodwa umnikezeli weso sithemba uhamba emva kokuxhaswa ngemali. Isixhobo sokuthembela sikhetha omnye umntu ukuba abe ngumphathiswa. I-trustee ixanduva kuphela kwaye inegunya kuphela lokuthengisa, ukutshala okanye ukuthenga impahla ngaphakathi kwethemba.
Unamandla okwenza ulwabiwo kwi-trust ngokwemigaqo equkwe kwisixhobo sokumthemba.
I-IRS ithi le nto yenza ukuba kungabikho othembekileyo. I-trust ye-non-grantor eneenombolo ze-ID yerhafu kunye neefayili zayo zokubuyisela irhafu. Ibika kwaye ihlawule irhafu kuyo yonke imali engayifumanayo. Kuyimpumelelo yecandelo elithile leerhafu elivela kumnikezeli walo, ongenakukwazi ukuxhatshaza i-trust okanye ukuthatha impahla leyo ebekwe kuyo. Akasabonwa ngokomthetho ngumnini wale asethi, kwaye ngoku kukwenza kubekho ukuthembela okungenakutshintsha.
Iimpawu zezomthetho ezifutyiweyo
Akusoloko lo mnyama nomhlophe. Ababoneleli banokwenza ukhetho kunye ne-IRS ukuphatha amathenda abo abancedisayo njengemali yokunika inkxaso. Ezi zithemba zihamba ngegama elithi "Iingxowa-mali ezingenabulungisa" okanye ii-IDGTs.
Xa umniki-mali exhasa i-trust, wenza njalo ngenjongo ecacileyo yokuba ipropati ehamba kuyo kufuneka ithathwe njengesipho esingenakuguquguquka - akakwazi ukuyibuyisela ngqo, nangona ukuba ithemba liyakhutshwa. Noko ke, unako ukufaka indawo yexabiso elilinganayo kwisipho sokuqala. Ngokomzekelo, ukuba wenza isipho esikhoxisayo se-$ 5,000 kwimpahla yesitokisi, unokubuyisela amasitokethi xa ebeka esikhundleni sakhe nge $ 5,000 ngemali. Ukutshintshana konke oku, i-trust ityala iirhafu kwaye ibe ngumntu ongenamnika inkxaso kwi-IRS.
QAPHELA: Imimiselo yelizwe kunye neyomthetho ishintsha rhoqo, kwaye ulwazi olungentla lungabonakali utshintsho olutshanje. Nceda uqhagamshelane nommeli weengcebiso ezinokuthi uphendule kakhulu ukuba ucinga ukuba ngu-trustmaker, ulungise okanye unike umniki-ntembeko kwaye unemibuzo malunga neempembelelo zerhafu. Ingcaciso equlethwe kule nqaku ayijoliswanga njengeengcebiso zomthetho, kwaye ayifaki indawo yeengcebiso zomthetho.