设置和使用信任的基础知识

有些人可能认为a 信任 这种东西只有非常富有的家庭才用吗. Or they may feel they don't have enough assets to pass along to children to justify setting up this estate planning tool.

但是信托对很多人都是有用的. 它只是一份用来传递资产的文件, and a 信任 can be used by anyone with even a modest amount of wealth. Many people set up a 信任 for their children or grandchildren as a good way to put money aside for them. Here are some basics you should know about establishing a 信任.

什么是信托?

A 信任 is a fiduciary arrangement that places assets with a third party (a 信任ee) to hold on behalf of beneficiaries (typically children or spouses). Different types of 信任s are used to generate and pass on income and assets to survivors, minimize estate taxes or direct assets to specified charities. 信托有多种类型. 例如，a 遗嘱信托 definition is one that is set up through a will and gives direction once you have passed on. 生前信托，也被称为 可撤销的信任, states who should manage your affairs and how you want your assets handled if you are alive and no longer able to do so on your own.

什么是可撤销信托?

A 可撤销的信任, often called a living 信任, allows you to retain control of your assets while you're alive. The benefits of a 可撤销的信任 are: it can be altered or dissolved at any point in your lifetime and will typically keep your assets out of the probate process after your death.

什么是不可撤销信托?

An 不可撤销的信任 cannot be altered and requires you to give up control of the assets you place into it; however, these assets are also removed from the taxable estate of the individual that established the 信任.

为什么需要信托

One classic reason some people set up a 信任 is to control not only who will receive assets after their death, 还包括如何以及何时分配这些资产. Some people might be worried that their heirs lack the ability to properly handle a large sum of money all at once, while others simply want to protect assets until their children come of age. A 信任 can also be a useful tool for managing succession planning in a family business.

Other people establish a 信任 primarily to avoid the probate process, which varies from state to state and can sometimes be lengthy and expensive.

如何建立信托

An experienced estate attorney can help set up a 信任. He or she will create a declaration of 信任 or a full 信任 instrument. The length and complexity of the process depends based on the size of the 信任, 它的目的, 以及受益人的数量. Fees to create a 信任 could be more costly than establishing a simple will.

如何选择受托人

除了, 必须指定一个受托人负责记账, 信托管理与投资管理. Because managing a 信任 is a more complex task than serving as the executor of an estate, many people opt to pay 信任ee fees to a corporate 信任ee to handle these responsibilities.