[배진희 변호사의 유산상속 이야기] 자산 계획이 필요한 이유

자산 계획이 필요한 이유

자산 계획은 꼭 백만장자들만 하는 것은 아닙니다. 집을 소유하고 있거나 미성년자나 손자, 손녀가 있는 경우, 자녀가 결혼했거나 이혼한 경우, 사업체를 소유한 경우 또는 자신의 상속을 받을 것으로 예상하는 경우 바로 시작해야 합니다. 

자산 계획을 해야 하는 일반적인 이유에 대해 설명 드리겠습니다. 

 

1.       본인에게 장애가 발생하거나 사망할 경우 자산을 관리할 사람을 지정합니다. 그렇게 하지 않으면 법원이 대신 결정하게 되며 법원이 어떤 사람을 지명할지 알 수 없습니다. 본인이 미리 준비하는 것이 가장 좋습니다. 

2.       널싱홈에 들어가게 될 경우를 대비해 메디케이드와 자산에 미치는 영향에 대해 준비합니다. 오늘날의 널싱홈은 연간 10만 달러 이상의 비용이 들 수 있으며 장기간 치료로 인해 자산에 타격을 입게 됩니다. 적절한 계획을 미리 하게 되면 자산과 가족의 재산을 보존할 수 있습니다.

3.       사망시 첫번째 결혼해서 낳은 자녀를 보호합니다. 재혼 가정인 경우 사안이 복잡하고 어려울 수 있습니다. 자산이 보전되고 첫 번째 결혼으로 낳은 자녀가 상속의 적절한 부분을 받을 수 있도록 하려면 전문적인 법률 조언이 필요합니다.

4.       상속받은 자산을 소송, 이혼 및 기타 청구로부터 보호합니다. 자산이 원치 않는 사람, 예를 들어 전 배우자, 시부모, 채권자 또는 IRS와 같은 사람들에게 상속되지 않도록 보호합니다.

5.       돈 관리 능력이 부족하거나 경험이 없는 자녀 또는 손자, 손녀에게 규율을 정해 상속을 현명하게 사용하도록 합니다. 상속 계획에 구체적인 조건과 보상을 포함하도록 해 재산을 함부로 쓸 수 없도록 합니다.

6.       특별한 도움이 필요한 자녀와 손자를 위한 계획이 필요합니다. 정부 혜택이 상실되면 상속 재산이 사라질 수 있습니다. 정부 혜택의 손실을 방지하려면 특별한 고려 사항과 계획이 필요합니다.

7.       자산 중 특정 부분이 실제로 손자, 자선 단체 등에 전달되는지 확인합니다. 계획되지 않은 자산은 주정부가 자산을 상속받을 사람을 결정합니다. 자산 계획을 함으로 본인의 의도와 방향이 제대로 지켜지도록 보장됩니다.

8.       본인 사망시 생존 배우자가 다시 결혼하는 경우 재산의 일부를 보호합니다. 특별한 신탁을 설정하여 현재 생존 배우자를 보호하고 재산이 원치 않는 곳에 쓰이지 않도록 보장할 수 있습니다.

9.       다른 자녀의 다른 요구 사항을 고려합니다. 두 자녀는 모두 같지 않습니다. 맞춤형 자산 계획을 통해 각 자녀의 개별적인 요구 사항이 최선으로 처리되도록 할 수 있습니다.

10.   부동산 계획에 대한 이의를 방지하거나 제한합니다. 현재 변경 가능한 생존 신탁을 설정하면 추후 이의를 제기하기가 어려워집니다.

11.   큰 재산이 있는 경우 자산 계획을 통해 본인과 배우자의 재산세 감면을 모두 활용할 수 있도록 합니다.

12.   사업을 보호하기 위한 계획을 수립합니다. 사업 파트너 또는 사업 소유자의 사망을 다루는 계획을 준비합니다. 가족에게 사업을 넘기려면 가장 세금 효율적인 방식으로 해야 합니다.

이러한 플래닝 과정에서는 유산과 노인법 전문가들의 도움을 받는것이 중요합니다. 이 분야의 전문 변호사들은 유산과 세금 플래닝, 장애  플래닝, 고품질 장기요양을 찾고 지불하는 것을 도와줄 수 있습니다. 






관리자.2023.11.17.조회수 21,459회

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