生前信托入门
A living trust is a popular consideration in many estate strategy conversations, but its appropriateness will depend upon your individual needs and objectives.
什么是生前信托?
A living trust is created while you are alive and funded with the assets you choose to transfer into it. The trustee (typically, you) has full power to manage these assets. But using a trust involves a complex set of tax rules and regulations. 在进行信托之前, consider working with a professional who is familiar with the rules and regulations.
A living trust will also designate a beneficiary, 或受益人, 就像遗嘱一样, to whom the assets are structured to automatically pass upon your death.
如果你创建了可撤销生前信托, 你可以更改信托的条款, 受托人, 和受益人在任何时候. You can also terminate the trust altogether.
为什么要创建生前信托?
The living trust offers a number of potential benefits, including:
- 避免遗嘱认证 - Assets are designed to transfer outside the probate process, 提供无缝, 私人转移资产.
- 管理你的事务 - A living trust can be a mechanism for caring for you and your property in the event of your physical or mental disability, provided that you have adequately funded it and named a trustworthy trustee or alternative trustee.
- 轻松和简单 - It is a simple matter for a qualified lawyer to create a living trust tailored to your specific objectives. Should circumstances change, it is also a straightforward task to change the trust’s provisions.
- 避免遗嘱纠纷 - Assets passing via a living trust may be less susceptible to the sort of challenge you might see with a will transfer.
生前信托的弊端
生前信托不是一种灵丹妙药. They won’t accomplish some potentially important objectives, including:
- A living trust is not designed to protect assets from creditors. It is also considered a “countable resource” when determining your Medicaid eligibility.
- There is a cost associated with setting up a revocable living trust.
- Not all assets are easily transferred to a living trust. 例如, 如果你转让一辆车的所有权, you may have difficulty obtaining insurance, 既然你不再是主人了.
- A living trust is not a mechanism to save on taxes, now or at your death.
The information in this material is not intended as tax or legal advice. It may not be used for the purpose of avoiding any federal tax penalties. 请咨询法律或税务专业人士 for specific information regarding your individual situation.
The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. It may not be used for the purpose of avoiding any federal tax penalties. 请咨询法律或税务专业人士 for specific information regarding your individual situation. This material was developed and produced by 消费品套件 to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named broker-dealer, state- or SEC-registered investment advisory firm. 所表达的意见和 material provided are for general information, and should not be considered a solicitation for the purchase or 出售任何证券. 版权 消费品套件.
