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萨克拉门托+罗斯维尔房地产规划beplay客户端下载

The accounts at Cook CPAs can assist with all of your estate planning needs. 服务于加州的罗斯维尔和萨克拉门托.

你自己的遗产规划可能很复杂,也很昂贵. And the list of potential concerns that can impact your planning goals is seemingly endless.  国家的税收, 官僚主义, 遗嘱认证法院, 不公平的评估, 卫生保健问题, 合格的继承人, 人寿保险, 爱尔兰共和军的, 401K’s, 年金, 土葬或火葬费用, and intent regarding death-postponing treatment are only a few of the concerns and considerations involved in estate planning. 然而, establishing an estate plan that protects your interests and goals is often essential. 不幸的是, attempting to go it alone when you have questions about your legal and financial rights often ends up costing you more in the end. Common questions raised by potential clients can include: Could an heir be too young to inherit? 遗产应该在特定的年龄分配吗? Is providing benefits to a person in a shaky marriage where divorce is a possibility a good idea? 前一段婚姻的孩子会如何影响或使我的计划复杂化? 是否应该保护继承权不受继承人的潜在债权人的侵害? 是否有可以避免或合法减少的税收? 你能避免遗嘱检验法庭的规则,延迟和费用吗? The CPAs and 会计 professionals of the beplay客户端下载 can assist you with these and any other questions you may have.

遗产规划需要甚么?

Estate planning involves the development of strategies for protecting your assets, 按你的意愿分发, 还能养活你的家人. A carefully developed estate plan can help you to accomplish many estate planning goals, 如:
  • Provide for an orderly transfer of your property in accordance with your wishes.
  • Minimize the taxes on your estate and maximize the inheritance for your beneficiaries.
  • 照顾家庭成员的特殊需要.
  • 确保家族企业的持续经营.
  • 为未成年儿童指定监护人.
  • Ensure the availability of cash to pay necessary taxes and administrative expenses.
  • 绕开遗产认证管理.
Planning what happens to your estate after you have passed on can seem frustrating and intimidating without qualified help. 你可能会觉得自己太年轻,不关心遗产规划. You might be tempted to put the whole thing off, assuming that it will just take care of itself. In all cases, estate planning ends up saving your family lots of time, heartache and money. 遗产规划罗斯维尔

我需要遗嘱吗?

每个遗产规划情况都是不同的. 为了帮助你, 我们想认识你, 你的特殊情况, 以及人际关系的性质. 然而,许多遗产计划确实包括遗嘱. 事实上, 当遗产计划包括遗嘱时, 意志往往是计划中最重要的部分. Writing a will protects your family and ensures that your wishes will be carried out. 任何有财产的人都应该立一份遗嘱. 如果你没有留下遗嘱就死了, 也就是所谓的无遗嘱, your estate will be distributed as determined by California state law and administered by someone appointed by a court. 此外,法院将决定谁来照顾你的未成年子女. Dying intestate also can increase the tax burden for your heirs and cause dissension within your family. 遗嘱使你能按自己的意愿分配财产, 包括有感情价值的个人财产. 遗嘱还可以让你:
  • 为未来的投资或家族企业管理提供保障.
  • 为你的未成年孩子指定监护人.
  • 选择你想要分配你财产的人.
  • Minimize taxes and administration expenses in the settlement of your estate.
  • 提供特殊需求,如慈善捐款.

什么其他计划或设备可以保护我的家庭?

Life insurance is an essential estate planning tool because it provides immediate cash for survivors. 因为收益是现成的, 人寿保险 protects your family from being forced to liquidate some of your other assets to meet living expenses. Life insurance can also help your survivors pay debts, including estate taxes. 一般, insurance proceeds go directly to the beneficiary and do not have to go through the probate process. Gifts are also a traditional way to reduce an estate and the related taxes. You are allowed to make yearly tax-exempt annual exclusion gifts of up to $12,每名受奖人$ 000或不超过$24,在配偶同意的情况下. Making gifts in excess of the exclusion amounts will have an impact on the lifetime unified credit and gift and estate taxes. Reminder: Only gifts of a present interest qualify for the annual exclusion. A gift of a present interest is one that the donee has immediate access to.

遗嘱认证是什么?

Probate is the legal process of identifying and distributing your probate assets (any assets in your estate that are not transferred automatically or in trust) to the appropriate beneficiaries. 如果你有意愿, the process includes proving that the will is valid and ensuring that assets are distributed according to its provisions. 否则, the probate court will oversee the distribution of your assets according to your state’s intestacy laws. The probate process is a matter of public record and can be costly and time-consuming. There are many estate planning strategies that enable you to avoid or bypass the probate process. These strategies typically involve providing for the transfer of your assets through joint ownership, 信托基金, 或者在你活着的时候给你礼物, 而不是通过遗嘱. 虽然从时间的角度来说,避免遗嘱认证可能是有益的, 钱和隐私, 回避遗嘱认证并不能消除或减少遗产税. 税务组

结算需要多长时间?

不需要遗嘱检验的遗产可以较快地解决. In contrast, a probate estate takes time to settle because there are so many variables involved. For example, creditors must be allowed an opportunity to come forward and file any claims. A simple estate may take three months to a year to settle; a complicated estate two to three years or more. 然而, 在特殊情况下, preliminary distributions may be made from your estate during the settlement process. Note that a complicated estate will typically have a lengthy settlement process.

与罗斯维尔房地产规划师一起工作,保护你的目标和财富

在库克注册beplay客户端下载集团, our financial professionals can help you develop a customized estate plan through the following steps:
  • 明确你的遗产规划目标.
  • Organize and create your estate planning team (experts on law, finance, and taxes) if you need one.
  • 评估和推荐遗产规划方案.
  • 准备, 整理和审查你的遗产规划文件,包括现在的遗嘱, 信托基金, 医疗保险和委托书.
  • 尽量减少与遗嘱认证相关的问题和费用.
  • 尽量减少遗产税和其他应交税款.
  • 在你丧失行动能力的情况下,安排管理你的财产.
  • Draft a working plan for conserving and effectively managing your estate after death.
  • 按照你想要的方式将你的财产转移给继承人.
  • Organize fair and adequate liquidation of estate to cover taxes and other expenses.
  • 必要时修改你的计划.
The tax and financial professionals of the Cook CPA group are dedicated to providing sound, 就所有遗产规划事宜提供策略性意见.