{"id":16676,"date":"2025-02-02T20:15:48","date_gmt":"2025-02-02T20:15:48","guid":{"rendered":"https:\/\/rossyanglaw.com\/site\/?p=16676"},"modified":"2025-02-02T20:16:39","modified_gmt":"2025-02-02T20:16:39","slug":"retirement_plan_designate_beneficiary_trust","status":"publish","type":"post","link":"http:\/\/rossyanglaw.com\/site\/retirement_plan_designate_beneficiary_trust","title":{"rendered":"\u4e3a\u4ec0\u4e48\u4e0d\u5efa\u8bae\u5c06\u53ef\u64a4\u9500\u751f\u524d\u4fe1\u6258\u6307\u5b9a\u4e3a\u4e2a\u4eba\u9000\u4f11\u8d26\u6237\u7684\u6536\u76ca\u4eba\uff1f"},"content":{"rendered":"<p>\u5728\u53e6\u4e00\u7bc7\u6587\u7ae0\u4e2d\uff0c\u6211\u4eec\u6307\u51fa\u4e0d\u5e94\u5c06\u9000\u4f11\u8d26\u6237\uff08IRA\u3001401(k)\uff09\u8f6c\u5165\u53ef\u64a4\u9500\u751f\u524d\u4fe1\u6258\u3002\u90a3\u4e48\u662f\u5426\u53ef\u4ee5\u5c06\u4fe1\u6258\u6307\u5b9a\u4e3a\u9000\u4f11\u8d26\u6237\u7684\u6536\u76ca\u4eba\u5462\uff1f\u7b80\u5355\u7684\u56de\u7b54\u662f\u53ef\u4ee5\u3002\u4f46\u5728\u5927\u591a\u6570\u60c5\u51b5\u4e0b\uff0c\u5c06\u4fe1\u6258\u6307\u5b9a\u4e3a\u9000\u4f11\u8d26\u6237\u7684\u53d7\u76ca\u4eba\u53ef\u80fd\u4f1a\u5e26\u6765\u4e0d\u5fc5\u8981\u7684\u7a0e\u52a1\u8d1f\u62c5\u548c\u7ba1\u7406\u4e0a\u7684\u590d\u6742\u6027\u3002\u672c\u6587\u5c06\u89e3\u91ca\u4e3a\u4ec0\u4e48\u901a\u5e38\u4e0d\u5efa\u8bae\u5c06\u53ef\u64a4\u9500\u751f\u524d\u4fe1\u6258\u6307\u5b9a\u4e3a\u9000\u4f11\u8d26\u6237\u7684\u6536\u76ca\u4eba\uff0c\u5e76\u63d0\u4f9b\u66f4\u5408\u9002\u7684\u9057\u4ea7\u89c4\u5212\u65b9\u6848\u3002<\/p>\n<h3>1. \u7a0e\u52a1\u540e\u679c\uff1a\u5931\u53bb\u5ef6\u7a0e\u589e\u957f\u7684\u4f18\u52bf<\/h3>\n<p>IRA\u548c401(k)\u8d26\u6237\u4eab\u6709\u7279\u6b8a\u7684\u7a0e\u6536\u4f18\u60e0\uff0c\u4f7f\u8d26\u6237\u8d44\u91d1\u53ef\u4ee5\u5ef6\u7a0e\u589e\u957f\u6216\u5728Roth IRA \u7684\u60c5\u51b5\u4e0b\u514d\u7a0e\u589e\u957f\uff09\u3002\u5982\u679c\u9000\u4f11\u8d26\u6237\u7684\u53d7\u76ca\u4eba\u662f\u4e2a\u4eba\uff0c\u4ed6\u4eec\u901a\u5e38\u53ef\u4ee5\u5728\u5176\u4f59\u751f\u4e2d\u5206\u671f\u63d0\u53d6\u8d44\u91d1\uff0c\u4ece\u800c\u51cf\u5c11\u7a0e\u52a1\u8d1f\u62c5\u3002<\/p>\n<p>\u7136\u800c\uff0c\u5982\u679c\u4fe1\u6258\u88ab\u6307\u5b9a\u4e3a\u9000\u4f11\u8d26\u6237\u7684\u53d7\u76ca\u4eba\uff1a<\/p>\n<ul>\n<li>\u201c10 \u5e74\u89c4\u5219\u201d\uff0810-Year Rule\uff09\u9002\u7528\u4e8e\u5927\u591a\u6570\u60c5\u51b5\uff0c\u8fd9\u610f\u5473\u7740\u53d7\u76ca\u4eba\u5fc5\u987b\u572810 \u5e74\u5185\u53d6\u51fa\u8d26\u6237\u5168\u90e8\u8d44\u91d1\uff0c\u5e76\u7f34\u7eb3\u6240\u5f97\u7a0e\u3002<\/li>\n<li>\u5982\u679c\u8be5\u4fe1\u6258\u4e0d\u7b26\u5408IRS\u89c4\u5b9a\u7684\u201c\u900f\u660e\u4fe1\u6258\u201d\uff08See-Through Trust\uff09\u6807\u51c6\uff0c\u8d44\u91d1\u53ef\u80fd\u9700\u8981\u66f4\u5feb\u63d0\u53d6\uff0c\u4ece\u800c\u5bfc\u81f4\u66f4\u9ad8\u7684\u7a0e\u52a1\u8d1f\u62c5\u3002<\/li>\n<li>\u4fe1\u6258\u7684\u6240\u5f97\u7a0e\u7a0e\u7387\u9ad8\u4e8e\u4e2a\u4eba\u7a0e\u7387\u3002\u4f8b\u5982\uff0c\u4fe1\u6258\u57282024\u5e74\u6536\u5165\u8d85\u8fc715,200 \u7f8e\u5143\u65f6\uff0c\u5c31\u4f1a\u88ab\u5f81\u653637%\u7684\u6700\u9ad8\u7a0e\u7387\uff0c\u800c\u4e2a\u4eba\u53d7\u76ca\u4eba\u53ef\u4ee5\u6309\u7167\u4ed6\u4eec\u81ea\u8eab\u7684\uff08\u901a\u5e38\u8f83\u4f4e\u7684\uff09\u7a0e\u7387\u5206\u671f\u9886\u53d6\u8d44\u91d1\u3002<\/li>\n<\/ul>\n<h3>2. \u4fe1\u6258\u7ba1\u7406\u7684\u590d\u6742\u6027<\/h3>\n<p>\u53ef\u64a4\u9500\u751f\u524d\u4fe1\u6258\u7684\u76ee\u7684\u662f\u7ba1\u7406\u548c\u5206\u914d\u8d44\u4ea7\uff0c\u4f46\u9000\u4f11\u8d26\u6237\u9002\u7528\u4e8e\u4e0d\u540c\u7684\u6cd5\u5f8b\u89c4\u5219\uff1a<\/p>\n<ul>\n<li>IRA\u548c401(k)\u4e0d\u80fd\u4ee5\u4fe1\u6258\u7684\u540d\u4e49\u6301\u6709\uff0c\u8fd9\u4e9b\u8d26\u6237\u5fc5\u987b\u4ee5\u4e2a\u4eba\u540d\u4e49\u5f00\u8bbe\u548c\u6301\u6709\u3002<\/li>\n<li>\u5982\u679c\u5c06\u4fe1\u6258\u4f5c\u4e3a\u53d7\u76ca\u4eba\uff0c\u4fe1\u6258\u53d7\u6258\u4eba\u5fc5\u987b\u6309\u7167\u590d\u6742\u7684IRS \u89c4\u5219\u8fdb\u884c\u5206\u914d\u3002<\/li>\n<li>\u5904\u7406\u4e0d\u5f53\u53ef\u80fd\u4f1a\u5bfc\u81f4IRS\u7f5a\u6b3e\uff0c\u751a\u81f3\u5f3a\u5236\u63d0\u524d\u7f34\u7a0e\u3002<\/li>\n<\/ul>\n<h3>3. \u66f4\u597d\u7684\u9000\u4f11\u8d26\u6237\u53d7\u76ca\u4eba\u6307\u5b9a\u65b9\u5f0f<\/h3>\n<p>\u4e3a\u4e86\u66f4\u9ad8\u6548\u5730\u7ee7\u627f\u9000\u4f11\u8d44\u4ea7\uff0c\u5efa\u8bae\u91c7\u7528\u4ee5\u4e0b\u66ff\u4ee3\u65b9\u6848\uff1a<\/p>\n<h4>A. \u76f4\u63a5\u6307\u5b9a\u4e2a\u4eba\u53d7\u76ca\u4eba<\/h4>\n<h4>\u6700\u7b80\u5355\u3001\u6700\u8282\u7a0e\u7684\u65b9\u6cd5\u662f\u5c06\u60a8\u7684\u914d\u5076\u3001\u5b50\u5973\u6216\u5176\u4ed6\u4eb2\u5c5e\u4f5c\u4e3a\u9000\u4f11\u8d26\u6237\u7684\u76f4\u63a5\u53d7\u76ca\u4eba\u3002\u8fd9\u4f7f\u4ed6\u4eec\u53ef\u4ee5\u6309\u7167IRS\u89c4\u5b9a\u5206\u671f\u9886\u53d6\u8d44\u91d1\uff0c\u5e76\u5229\u7528\u8f83\u4f4e\u7684\u4e2a\u4eba\u6240\u5f97\u7a0e\u7a0e\u7387\u3002<\/h4>\n<h4>B. \u6307\u5b9a\u914d\u5076\u4e3a\u4e3b\u8981\u53d7\u76ca\u4eba<\/h4>\n<h4>\u5982\u679c\u914d\u5076\u7ee7\u627fIRA\uff0c\u4ed6\u4eec\u6709\u6700\u5927\u7684\u7075\u6d3b\u6027\uff0c\u53ef\u4ee5\u5c06\u8d26\u6237\u5408\u5e76\u5230\u81ea\u5df1\u7684 IRA\uff0c\u7ee7\u7eed\u4eab\u53d7\u5ef6\u7a0e\u589e\u957f\u3002<\/h4>\n<h4>C. \u5728\u7279\u6b8a\u60c5\u51b5\u4e0b\u8003\u8651\u201c\u9000\u4f11\u4fe1\u6258\u201d<\/h4>\n<h4>\u5982\u679c\u60a8\u5e0c\u671b\u5bf9\u8d44\u91d1\u5206\u914d\u6709\u66f4\u4e25\u683c\u7684\u63a7\u5236\uff08\u4f8b\u5982\u53d7\u76ca\u4eba\u4e3a\u672a\u6210\u5e74\u4eba\u6216\u7ecf\u6d4e\u80fd\u529b\u8f83\u5dee\u7684\u4eba\uff09\uff0c\u53ef\u4ee5\u5efa\u7acb\u7b26\u5408IRS\u89c4\u5b9a\u7684\u201c\u900f\u660e\u4fe1\u6258\u201d\uff08See-Through Trust\uff09\uff0c\u4f46\u8fd9\u9700\u8981\u4e13\u4e1a\u5f8b\u5e08\u7684\u89c4\u5212\u3002<\/h4>\n<h3>4. \u4f55\u65f6\u5e94\u8003\u8651\u5c06\u4fe1\u6258\u4f5c\u4e3a\u53d7\u76ca\u4eba\uff1f<\/h3>\n<p>\u5c3d\u7ba1\u5728\u5927\u591a\u6570\u60c5\u51b5\u4e0b\u4e0d\u5efa\u8bae\u4f7f\u7528\u4fe1\u6258\u7ee7\u627fIRA\u6216401(k)\uff0c\u4f46\u5728\u4ee5\u4e0b\u7279\u6b8a\u60c5\u51b5\u4e0b\uff0c\u6307\u5b9a\u4fe1\u6258\u4e3a\u53d7\u76ca\u4eba\u53ef\u80fd\u662f\u5408\u9002\u7684\uff1a<\/p>\n<ul>\n<li>\u53d7\u76ca\u4eba\u4e3a\u672a\u6210\u5e74\u4eba\uff08\u672a\u6210\u5e74\u5b50\u5973\u65e0\u6cd5\u76f4\u63a5\u7ee7\u627f\u8d44\u4ea7\uff09\u3002<\/li>\n<li>\u53d7\u76ca\u4eba\u4e3a\u7279\u6b8a\u9700\u6c42\u4eba\u58eb\uff08\u5982\u679c\u4ed6\u4eec\u4f9d\u8d56\u653f\u5e9c\u798f\u5229\uff0c\u76f4\u63a5\u7ee7\u627f\u53ef\u80fd\u5f71\u54cd\u5176\u8d44\u683c\uff09\u3002<\/li>\n<li>\u5bb6\u5ead\u7ed3\u6784\u590d\u6742\uff08\u4f8b\u5982\u518d\u5a5a\u5bb6\u5ead\uff0c\u5e0c\u671b\u63a7\u5236\u7ee7\u627f\u8d44\u91d1\u5982\u4f55\u5206\u914d\u7ed9\u524d\u5a5a\u59fb\u5b50\u5973\uff09\u3002<\/li>\n<\/ul>\n<p>\u5982\u679c\u60a8\u7684\u60c5\u51b5\u7b26\u5408\u4ee5\u4e0a\u60c5\u51b5\uff0c\u5efa\u8bae\u54a8\u8be2\u9057\u4ea7\u89c4\u5212\u5f8b\u5e08\u4ee5\u786e\u4fdd\u4fe1\u6258\u7ed3\u6784\u7b26\u5408 IRS \u89c4\u5b9a\uff0c\u5e76\u5b9e\u73b0\u60a8\u7684\u8d22\u4ea7\u89c4\u5212\u76ee\u6807\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u5bf9\u4e8e\u5927\u591a\u6570\u4eba\u6765\u8bf4\uff0c\u5c06IRA\u6216401(k)\u8d26\u6237\u7684\u6536\u76ca\u4eba\u6307\u5b9a\u4e3a\u53ef\u64a4\u9500\u751f\u524d\u4fe1\u6258\u5e76\u4e0d\u53ef\u53d6\uff0c\u56e0\u4e3a\u8fd9\u4f1a\u5bfc\u81f4\u989d\u5916\u7684\u7a0e\u52a1\u8d1f\u62c5\u548c\u7ba1\u7406\u4e0a\u7684\u590d\u6742\u6027\u3002\u76f8\u53cd\uff0c\u76f4\u63a5\u6307\u5b9a\u4e2a\u4eba\u53d7\u76ca\u4eba\uff08\u5c24\u5176\u662f\u914d\u5076\uff09\u901a\u5e38\u662f\u66f4\u8282\u7a0e\u4e14\u9ad8\u6548\u7684\u65b9\u5f0f\u3002  <\/p>\n","protected":false},"author":3,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[95,232],"tags":[],"_links":{"self":[{"href":"http:\/\/rossyanglaw.com\/site\/wp-json\/wp\/v2\/posts\/16676"}],"collection":[{"href":"http:\/\/rossyanglaw.com\/site\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/rossyanglaw.com\/site\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/rossyanglaw.com\/site\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"http:\/\/rossyanglaw.com\/site\/wp-json\/wp\/v2\/comments?post=16676"}],"version-history":[{"count":1,"href":"http:\/\/rossyanglaw.com\/site\/wp-json\/wp\/v2\/posts\/16676\/revisions"}],"predecessor-version":[{"id":16677,"href":"http:\/\/rossyanglaw.com\/site\/wp-json\/wp\/v2\/posts\/16676\/revisions\/16677"}],"wp:attachment":[{"href":"http:\/\/rossyanglaw.com\/site\/wp-json\/wp\/v2\/media?parent=16676"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/rossyanglaw.com\/site\/wp-json\/wp\/v2\/categories?post=16676"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/rossyanglaw.com\/site\/wp-json\/wp\/v2\/tags?post=16676"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}