Ukusebenzisa i-Stocks, i-Inshurensi yoBomi, iiNtengiso zeMoto kunye noTyunyuli lweRhafu ukuThengiswa kweeNtlawulo
Ukuba ifa lakho liza kuhlawulwa irhafu ye- federal tax , ke iya kuba nehlawulwa kwaye ihlawulwe iinyanga ezilisithoba emva komhla wokufa kwakho, kwaye i- IRS ayiyi kwamkela isiqwenga se-estate, intsimbi yedayimani, okanye isitishi kwishishini lakho ukuhlawula. Ngaloo ndlela, uMmeli wakho woMntu okanye uMqhubi weTrasti uza kujamelana nomngeni wokumisela apho imali iya kuvela khona ukuhlawula umrhumo werhafu. Nazi iindlela ezine zokuhlawula irhafu yerhafu.
01 Ukusebenzisa imali efumanekayo ngokukhawuleza
02 Ukusebenzisa i-inshorensi ye-Life
I-inshorensi yobomi ehlawulwa kwi-Revocable Living Trust inokuqokelelwa lula kwaye isetyenziswe ukuhlawula irhafu yexabiso. Ukuba i-inshurensi inesigxina se-Insured Trust Trust, ngoko uMmeli wakho woMntu kunye noMqhubi we-Successor uya kufuneka asebenze kunye nommeli wecebo lokulunga ukuze asebenzise ngokufanelekileyo imali yokuhlawula irhafu. Qaphela ukuba ukuba inzuzo yomshuwalense wobomi ihlawulwa ngqo kumxhamli ngamnye, umxhamli akayi kuba nobopheleleko bokuguqula nayiphi na enye yemali yokuhlawula irhafu. Kodwa ukuba akwanele ezinye iirhafu ukuhlawula umrhumo werhafu, ngoko i-IRS inako kwaye iya kulandela umxhamli kunye nenzuzo yomshuwalense.
03 Ukuthengiswa kweeMpahla zeMpahla ngokuThuthukiswa koMlilo okanye ukuboleka kwii-Asliquid Assets
Ukuba i-estate ingenayo imali eyaneleyo, i-asethi leyo ingahlawulwa lula okanye i-inshorensi yobomi iya kuhlawula irhafu yerhafu, ngoko uMmeli woBuntu okanye iTrasti yoMqhubi uya kunyanzeliswa ukuba ahlawule okanye abolekwe kwipropati efana nepropati okanye i-stock of close ibanjwe ibhizinisi ukuhlawula irhafu yeerhafu. Ekubeni iirhafu zomhlaba zihlawulwa kwaye zihlawulwa kwiinyanga ezilisithoba emva komhla wokufa, oku kungakhokelela ekuthengiseni umlilo xa kuthengiswa amaxabiso okanye ukunciphisa imali engaphezulu kwezinga eliqhelekileyo lemarike, ngokukhawuleza ukunciphisa inani eliya kubaxhamli bakho. Qaphela ukuba ii-IRS zinganika ukongezwa kwexesha ukuhlawula irhafu ukuba ubunzima obungabonakaliyo bungabonakaliswa, kodwa inzala iya kuqhubeka ukunyuka kwi-ibhajethi engakhokhelwa de ihlawulwe irhafu.
04 Ukusetyenziswa kweeNdawo zoThutho
Kukho ukhetho lwezorhafu lweendawo ezahlukeneyo olungasetyenziselwa ukwandisa intlawulo yeentlawulo zerhafu kwiminyaka emininzi. Ukuzisebenzisa ngokunjalo lo lonyulo, nangona kunjalo, ifa lakho liza kufuneka libe neluhlobo oluthile lweefayili ezifana nefama yeentsapho okanye olunye uhlobo lwezoshishino ezisondeleyo. Imithetho elawula ukhetho luyinkimbinkimbi kwaye ukuba ifa lakho lihluleka ukuhlangabezana nemfuneko enye, ngoko i-estate yakho ayiyi kufanelekela ukhetho kwaye irhafu yexabiso iya kuhlawulwa ngeenyanga ezilisithoba. Ngoko ke, akufanele uthembele kuloo lonyulo xa uceba ukuhlawula irhafu yezindlu. Endaweni yoko, kufuneka ufune imithombo yemali esheshayo njenge-inshorensi yobomi okanye iindlela ezithile zokunciphisa ixabiso lempahla yakho yerhafu.