信托 有钱没钱都需要

信托,听起来是个非常高大上的名字,总给人感觉得是大户人家,或者积累了巨量财富后才需要考虑的事情。

管家,账房先生,私人财务助理

作为加州的注册公证员,经常会遇到公证信托的业务,他们都如同你我一样普普通通,有年轻夫妻,有

新移民没有根,而信托是帮助华人扎根。

请在阅读本篇文章之前,忘记掉所有中文资料中关于“信托”的介绍。

理由是信托,在中国那是金融创新,中国的金融制度不健全,所谓的创新和诈骗差不了多少。

而在美国,信托是成熟的金融产品,任何人,不管有钱没钱,都可以受惠。

面对现实吧,目前在美国,低于1200万美元没有遗产税,就算过几年税法变更会当初的500万美元免征额,

中文资料中的信托,并没有区分普通人和有钱人对信托需求的不同

信托是有目标用户的区分的,有钱人有适用于有钱人的信托服务

我们普通人,同样也有适合自己的信托服务。

这里是美国,平等很重要

人生的不同阶段,可以有不同的信托

年轻的时候,就没必要讲汽车列入信托,因为车辆很可能不会有你活的久

文章都在科普信托的概念,而并非提供信托服务,就算有些提供信托业务的,目标客户也是有钱人,而非我等普通人。

高净资产人士

什么是信托?

Before discussing how to transfer your vehicle title to a Trust, you will first want to understand what a Trust is and the benefits of having a Trust. A Trust is a part of your Estate Plan that allows you to enter a legal relationship with another person or entity, known as your Trustee. In a Trust, you are choosing to transfer over the responsibility of your assets to another, which is where your Trustee comes in. Your Trustee will then take over responsibility of managing your assets until you pass away, at which time your assets will then be passed on to the person you have selected to be the new owner of your assets, known as your Beneficiary

本篇文章仅适用于美国,业务操作

多个信托?

信托流程

选择信托服务商:律师,网站,免费模版

起草信托内容

信托公证签字

将资产转入信托名下

信托的价格

设立信托的价格和财产处理的复杂程度正相关。

一份标准的格式的信托,几乎没有成本。

信托涉及到不动产(房产),则需要由公证员公证后方可生效,这会涉及到公证费用,费用约$100左右

更大额度的财产希望通过信托进行处理,则需要专业财务人士或律师的介入(律师在信托中不是必须的)

如果选择受托人?

 Uniform Trust Code (UTC)

Trust Agreement

Trust Amendment Form

Certificate of Trust

撤销信托

一份信托还是多份信托

如何向信托中增加项目

信托条款

有收益的信托,如投资收益,可以指定具体信托内容的用途,比如支付子女学费,用于购买房屋等。

信托可以托付的内容

  • 天使投资
  • 汽车
  • 衣物,家具,珠宝
  • 如果有需要,可以单独列出来加以说明
  • 银行账号
  • 人生保险
  • 退休金

信托资产持有人格式

Trustee Name, as Trustee of the Trust Name

Trustee One Name and Trustee Two Name, as Trustees of the Trust Name 

如何把银行账号转入信托

Most Trusts take between 12 – 18 months to fully settle and distribute all assets. 

”Certificate of Trust“

Trust Transfer Deeds

如何选择受托人?

It is important to note that you can name yourself as the trustee of your Trust if you choose to. This way, you can maintain ownership and responsibility for your angel investment until you are gone, at which point, your angel investment will then be transitioned over to your chosen beneficiary.

受托人的费用

Trust-based Estate plan

信托和LLC的关系?

每栋房子一个信托

信托和POA的关系

POA通常需要委托人在世的情况下有效

家族信托?

普通人的信托

信托和报税的关系

Your Trust is designed to be a “Grantor Trust,” which is essentially ignored for tax purposes. Assets held in a Grantor Trust are still treated as if the Trust creator owns them for tax purposes. This generally means there’s no difference in income tax reporting. Everything is reported just as it was before the Grantor Trust was created. 

信托 IRS,税号?

A Grantor Trust uses the social security number of the Trust creator as the Taxpayer Identification Number (TIN) for the Trust. For a Joint Trust, either spouse’s social security number can be used (though it’s best to be consistent and always use the same number). 

遗嘱和生前信托的关系

遗嘱的英文是 Will,生前信托的英文是 Live Trust,两者会经常一起出现。

信托人(SETTLOR, TRUSTOR 或 GRANTOR),受托人(TRUSTEE),和受益人(BENEFICIARY)

  • 设立人:创建信托并将资产放入信托的人。
  • 受益人:最终获得信托中部分或全部资产的人。
  • 受托人:负责管理信托的组织或个人。

Is there a question here we didn’t answer? Reach out to us today or Chat with a live member support representative!

免责声明:本文内容仅为一般性的介绍,不构成任何税务、法律和会计上的意见或建议,不得作为意见或建议以任何形式被依赖。我们对文中内容不负担任何形式的责任。我们强烈建议您在有需要时向您的税务、法律和会计顾问咨询。

Disclaimer: This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal, or accounting advice. We assume no liability for anything herein. You should consult your own tax, legal, and accounting advisors if needed.

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