6 Estate planejamento Must Haves

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Glenn Curtis, le lundi 30 mai 2011, 12:13 HAE

Beaucoup de gens pensent qu'avoir un plan de succession signifie simplement rédiger un testament ou une fiducie. Cependant, il y a beaucoup plus d'inclure dans votre succession planification afin de s'assurer que tous vos biens sont transférés de manière transparente à vos héritiers lors de votre décès. Un plan de succession réussie comprend également des dispositions pour s'assurer que les membres de votre familles peuvent accéder ou contrôler vos actifs devez vous devenez invalide. (Pour plus d'informations, consultez planification successorale : 16 Things To Do Before You Die.)

Voici une liste d'éléments que chaque plan de succession devrait inclure :

Seront / désignations de bénéficiaire procuration Durable Trust lettre d'intention Healthcare procuration tutelle désignations est-ce que votre plan successoral hauteur ? Un simple, préemballée kit peut suffira pas ; dans cet article, nous allons examiner chaque élément sur cette liste de vérification pour vous assurer que vous n'avez pas laissé toute décision au hasard.

1. Les testaments et les fiducies
Un testament ou la fiducie devrait être l'un des principaux aspects de chaque plan de succession, même si vous n'avez pas avoirs considérables. Wills permettent de garantir que la propriété est passée conformément aux souhaits de l'individu (si rédigés conformément aux lois de l'État). En outre, certaines fiducies aident les taxes foncières de limite ou de contestations judiciaires. Cependant, n'est tout simplement avoir un testament ou une fiducie pas assez. Le texte du document est extrêmement important.

Un testament ou la confiance doit être écrit d'une manière qui est conforme à la façon dont vous avez hérité les actifs qui passent à l'extérieur de la volonté. Par exemple, si vous avez déjà nommé votre sœur comme bénéficiaire sur un compte de retraite ou d'assurance (actifs qui passent généralement à l'extérieur d'un testament à un bénéficiaire désigné), vous souhaitez léguer l'immobilisation même à un cousin de seconde dans la volonté.

Cela pourrait entraîner une volonté concours. Sans oublier de mentionner que ces deux personnes pourraient être amers envers les uns des autres (et vous) pour les impliquer dans une bataille juridique.

2. Durable Power Of Attorney(s)
Il est important de rédiger une durable procuration (POA) afin qu'un agent ou une personne que vous assignez va agir en votre nom en cas de votre invalidité.

En l'absence d'une procuration, une Cour peut-être être laissée de décider ce qui se passe à votre actif (si vous se trouvent être frappée d'incapacité mentale). La décision du Tribunal est peut-être pas ce que vous vouliez.

Ce document peut donner à votre agent le pouvoir de transact immobilier, de conclure des transactions financières et de prendre les autres décisions juridiques littéralement comme si il ou elle a vous. Généralement ce type de POA est révocable par le principal au moment de son choix, une époque où le principal est réputé pour être physiquement capables, réputé mentalement ou à mort.

Dans beaucoup de familles, il est logique pour les conjoints de mettre en place les procurations réciproques. Toutefois, dans certains cas, il pourrait être à plus logique d'avoir un autre membre de la famille, ami ou un conseiller de confiance qui est une loi plus financièrement avertie comme agent.

3. Les désignations bénéficiaires
Comme c'était précédemment effleurées, un certain nombre de vos possessions peut transmettre à vos héritiers sans être dictée dans la volonté (un 401 plan par exemple). C'est pourquoi il est important de maintenir un bénéficiaire (et un bénéficiaire subsidiaire) sur un compte rendu. En fait, retraite tous les comptes et les régimes d'assurance doivent contenir un bénéficiaire et bénéficiaire subsidiaire parce qu'ils passent trop généralement à l'extérieur d'un testament.

Si vous ne nommer un bénéficiaire ou si le bénéficiaire est décédé ou incapable de siéger, une Cour pourrait être laissée à décider du sort de vos fonds. Et franchement, un juge qui n'est pas au courant de votre situation, les croyances et les intention est peu probable que de prendre la décision même qui vous auraient rendu.

Note : S'assurer que tous les bénéficiaires que vous nommez sont plus de 21 ans et sont mentalement. Si vous ne le faites pas, un tribunal peut finir par s'impliquer dans l'affaire.

4. Lettre d'intention
Une lettre d'intention est tout simplement un document laissé par vous à votre exécuteur testamentaire ou à un bénéficiaire. Le but est de définir ce que vous voulez faire avec un atout particulier après votre décès ou une incapacité. En outre, certaines lettres d'intention fournir également pour les détails de l'enterrement ou autres demandes spéciales.

Bien qu'un tel document ne peut pas nécessairement être valide dans les yeux de la Loi, elle contribue à informer un juge successoral de vos intentions et peut aider dans la distribution de vos actifs si la volonté est jugée non valide pour une raison quelconque.

5. Healthcare procuration
En rédigeant une procuration soins de santé, vous pouvez désigner un autre individu (généralement un membre conjoint ou famille) à prendre des décisions importantes de soins de santé en votre nom en cas d'incapacité.

Si vous envisagez d'exécuter un tel document, vous devez les choisir quelqu'un qui vous avez confiance, qui partage votre point de vue, et qui serait probablement recommander un plan d'action que vous conviendrez avec. Après tout, cette personne pourrait avoir littéralement votre vie dans ses mains.

Enfin, un agent de sauvegarde doit aussi être identifié, dans le cas où votre choix initial n'est pas disponible ou incapable d'agir en temps nécessaire.

6. Les désignations de tutelle
Alors que beaucoup de testaments ou de fiducies incorporent cette clause, certains testaments « forme » Don't. Si vous avez des enfants ou envisagez d'avoir des enfants, choisir un tuteur est extrêmement important et parfois négligé. Assurez-vous que l'individu ou de couple vous choisissez actions votre point de vue, est financièrement solide et est vraiment prêt à élever leurs enfants. Comme avec toutes les désignations, un individu/famille de sauvegarde ou éventuel doit être nommé ainsi.

En l'absence ces désignations, un tribunal pourrait s'impliquer et pourrait statuer que vos enfants vivent avec un membre de la famille que vous ne serait pas ont approuvé. Dans les cas extrêmes, la Cour pourrait mandat que vos enfants deviennent des pupilles de l'État.

Ligne de fond
Il n'y a plus de que de décider comment se partagent de subvention jusqu'à vos actifs quand on meurt de planification successorale. Il s'agit aussi de s'assurer que les membres de votre familles et les autres bénéficiaires sont prévues et ont accès à vos actifs sur votre incapacité temporaire ou permanente.

Un testament est un bon début, mais bon nombre des kits préemballés volonté ne couvrent toute la profondeur de planification successorale. Il est important de prévoir toutes les éventualités.

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Plano de negócios - planejamento para a batalha

De acordo com o famoso filósofo militar de Sun Tzu, "cada batalha é ganhou ou perdeu antes que ele comece mesmo." Acredite ou não, até mesmo para negociação no mercado forex. ' 'Como'?Você pode perguntar, é muito simple.

Para planejar a batalha, você tem que se sentar para baixo ser brutalmente honesto com você mesmo e escrever sobre seus pontos fortes e seus pontos fracos. Uma vez que você tem aqueles você trabalha framework para desenvolver um plano que usa seus pontos fortes e defende contra seus pontos fracos. Isto deve idealmente ser feito antes participe você no comércio directo. Como é importante para se sentar com um brandy e um charuto e refletir sobre a forma em que pretende aproximar o mercado. Há mais de é gritantemente óbvia, e nós acreditamos que é um dos mais importantes determinantes do sucesso do seu negócio global.

Seu plano de negócios é como sua Bíblia! Este é um conjunto completo de regras que abrangem todos os aspectos da sua vida de negócios. A top comerciantes fazem referência à necessidade de um "benefício" que irão pender a balança das probabilidades de sucesso em seu favor. Por si só, um plano não é uma vantagem, mas ao longo do tempo, o comerciante com um plano vai chutar bunda do comerciante sem um. Os comerciantes mais amadores têm não qualquer tipo de plano ao comércio por e entrar nos mercados em olhar para seus riscos e tirar proveito dos objectivos, que é se eles sabem que não o que eles são!

Os comerciantes com um plano têm a capacidade de monitorar seu desempenho. Enquanto um plano não pode prever o futuro, ele pode determinar como você reage a possíveis resultados. Um plano é essencial e você vai encontrar a mesma pequena percentagem de pessoas que têm um plano muito provavelmente são a mesma porcentagem que estão rolando nos lucros.

Comercialmente desenvolvido pela negociação em The agora é uma receita para 34 página cheia de sucesso. E cobre tudo, desde a gestão dos riscos, o quadro de nota são, para a disciplina. Após a apresentação inicial, este plano de negócios abrange todos os aspectos possíveis que você pode pensar e, em seguida, alguns. Nós oferecemos mesmo respostas por exemplo para ajudá-lo a completar esta parte importante do seu negócio. Basicamente é como ir a um treinador de negócios para sua empresa e pagar milhares para eles você escreve um plano de negócios, em vez disso nosso é provavelmente mais pensamento fora e uma fração do preço.

Este plano de negócios foi projetado para tirar o tempo, esforço e as desculpas que estão envolvidas no desenvolvimento do seu próprio plano. Ela é entregue em um livro como um CD contendo um modelo de formulário pdf esfolado, você pode voltar e editar bits do seu plano que você e evoluir seus negócios. Fácil, portanto, obter seus pés molhados!

Negociação em The agora é uma empresa da Nova Zelândia, que fornece uma formação aprofundada sobre como forma segura e rentável comércio de moeda liderado por perito comercial Andy Russell.

Marcado como: batalha, plano, planejamento, trading

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Getting Real sobre o planejamento de aposentadoria

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{"s" : "dba,de,djp,dodix,fcntx,prwbx,rbfax,rerax,rgaax,rio,rlbax,rpmgx,rslax,vbmfx,vfiix,vgenx,vipsx,vtsmx,vwelx","k" : "a00,a50,b00,b60,c10,g00,h00,l10,p20,t10,v00","o" : "dodix,fcntx,prwbx,rbfax,rerax,rgaax,rlbax,rpmgx,rslax,vbmfx,vfiix,vgenx,vipsx,vtsmx,vwelx","j" : ""} Christine Benz, On Friday May 20, 2011, 7:00 am EDT

In the final installment of Morningstar's Portfolio Makeover Week, we wanted to discuss a common investor profile: people who are getting close to retirement but are concerned they haven't saved enough. We didn't hear from any real-life users who are in this predicament, but we know it's a big demographic. Today's Portfolio Makeover is, therefore, a composite profile of several users we've heard from over the years.

If they could do it over, Jack and Marion wouldn't change a thing.

At ages 56 and 57, respectively, they've raised three children, now in their mid- to late 20s. They've helped pay for college, taken memorable family vacations, and paid off the house they've lived in since the mid-1980s. They also recently helped foot the bill for a wedding for their son and his new wife. They feel rich in the truest sense of the word.

But as they hurtle toward their retirement years, they're also a little nervous about what the future holds. Jack is a sales manager for an industrial-manufacturing firm, and Marion works 30 hours a week in a medical office. Although both enjoy their jobs, they'd like to start thinking about their retirement: when, where, and how. They're also concerned about the sustainability of what they've managed to set aside. As part of the first wave of baby boomers who are retiring without pensions, they'll be relying on their own assets and Social Security to cover their living expenses once they stop working.

They want to make sure they can draw a livable level of income from their investments during retirement without running out of money prematurely. They acknowledge that their retirement plan may entail some compromises, such as continuing to work longer than they expected to, downsizing to a smaller home, or scaling back their planned in-retirement expenses. Jack and Marion would also like help in maximizing their investments right now while they're still accumulating, so they can be well-positioned for retirement.

The Before Portfolio
Like many people at this life stage, Jack and Marion have a grab-bag of different investments stashed in different accounts: 401(k)s at both of their employers, a rollover IRA, and some taxable savings. Across all accounts, their current asset allocation is roughly 45% stocks, 30% bonds, and the rest in cash.

Marion and Jack's Portfolio (Before)--Market Value ($)

Marion 401(k): Am Fnd Am Bal (NASDAQ:RLBAX - News)--33,000
Marion 401(k): Am Fnd Bnd Fnd of Am (NASDAQ:RBFAX - News)--43,000
Marion 401(k): Am Fnd EuroPacific Gr (NASDAQ:RERAX - News)--27,000
Marion 401(k): Am Fnd Gr Fnd of Am (NASDAQ:RGAAX - News)--24,000
Marion 401(k): Am Fnd SMALLCAP Wld (NASDAQ:RSLAX - News)--19,000
Subtotal--146,000

Jack 401(k): Company Stock--70,000
Jack 401(k): Dodge & Cox Income (NASDAQ:DODIX - News)--95,000
Jack 401(k): Fidelity Contrafund (NASDAQ:FCNTX - News)--105,000
Jack 401(k): Stable Value Fund--70,000
Jack 401(k): T. Rowe Mid-Cap Gr (NASDAQ:RPMGX - News)--50,000
Jack 401(k): Morgan Stanley Intl (Clctv Trst)--75,000
Subtotal--465,000

Taxable: Deere (NYSE:DE - News)--62,000
Taxable: iPath DJ-UBS Cmd Idx (NYSEArca:DJP - News)--22,000
Taxable: PowerShares DB Ag (NYSEArca:DBA - News)--15,000
Taxable: Rio Tinto (NYSE:RIO - News)--33,000
Taxable: Cash--122,000
Subotal--254,000

Rollover IRA: Vngrd Energy (NASDAQ:VGENX - News)--22,000
Rollover IRA: Vngrd GNMA (NASDAQ:VFIIX - News)--25,000
Rollover IRA: Vngrd Tot Bond Mkt Idx (NASDAQ:VBMFX - News)--22,000
Rollover IRA: Vngrd Wellington (NASDAQ:VWELX - News)--25,000
Subtotal--94,000

Total--959,000

Jack's 401(k) is the largest share of this couple's retirement nest egg. His employer is a large firm, so he has been able to take advantage of a broad selection of high-quality, low-cost investment options. His biggest 401(k) holding for many years has been Fidelity Contrafund , but he also holds positions in Dodge & Cox Income , T. Rowe Price Mid Cap Growth , and an international equity collective investment trust (essentially a private-label mutual fund) managed by Morgan Stanley. Jack also has a large share of his portfolio in the stable-value option, which delivers a higher yield than a money market fund but also provides a stable net asset value. Finally, he holds a large stake in the stock of his employer. He acknowledges that it's a larger position than it should be, but his company has been on a hot streak since the market trough two years ago, and he hasn't wanted to peel back.

American Funds is the investment provider for Marion's 401(k) plan, and her assets are well-diversified across the lineup. Unfortunately, however, her investment options aren't the low-cost choices that one normally associates with the firm. Rather, the share classes in her plan are costly, encompassing the administrative costs of the 401(k) plan as well as the costs of fund management. That means that core funds such as Growth Fund of America , normally a bargain, cost nearly 1.5% per year.

The pair has another slice of money in an IRA rollover account held at Vanguard. Finally, in their taxable account, the couple has a sizable cash position. Jack has also dabbled in individual stocks, including several companies in his own industry. Recently, he has embraced exchange-traded funds as a way to gain exposure to entire industries whose prospects he thinks are bright. Powershares DB Agriculture was a relatively recent addition, and the couple also holds a commodity tracker, iPath DJ UBS Commodity Index , an exchange-traded note.

The After Portfolio
Based on their current portfolio, Jack and Marion's current monthly savings target of $3,000 per month, and a possible retirement date of 2019, Morningstar's Asset Allocator tool calculates that there's an 80% probability that they'll be able to achieve their goal of withdrawing $70,000 from their portfolio for 25 years.

If the couple would like to achieve an even higher probability (and I think 90% or more is a good target, particularly given Asset Allocator's fairly rosy return projections for stock and bond returns), one starting point would be deploying at least part of their sizable cash holdings. They currently have nearly $200,000 in low-returning cash and cashlike vehicles, including the money they hold in their brokerage account, checking and savings, and Jack's stable-value fund. Jack and Marion only need half that much for an emergency fund (two years' worth of living expenses), and that money is best held where they can have ready access to it. (In their taxable account, they can build the two-part emergency fund I've discussed in other makeovers--true cash combined with a high-quality short-term bond.) While Jack's stable-value option provides a slightly higher-yielding alternative to what they can earn via certificates of deposit or money market funds, the money in his 401(k) could be working even harder if it were invested in long-term stocks and bonds. Given that the couple's overall bond exposure is a bit light, Dodge & Cox Income is a worthy receptacle for those additional assets.

Marion and Jack's Portfolio (After)--Market Value ($)

Marion 401(k): Am Fnd Am Bal--51,000
Marion 401(k): Am Fnd Bnd Fnd of Am--25,000
Marion 401(k): Am Fnd EuroPacific Gr--27,000
Marion 401(k): Am Fnd Gr Fnd of Am--24,000
Marion 401(k): Am Fnd SMALLCAP Wld--19,000
Subtotal--146,000

Jack 401(k): Company Stock--40,000
Jack 401(k): Dodge & Cox Income--245,000
Jack 401(k): Fidelity Contrafund--105,000
Jack 401(k): Morgan Stanley Intl (Clctv Trst)--75,000
Subtotal--465,000

Taxable: Vngrd Tot Stock Mkt Idx (NASDAQ:VTSMX - News)--75,000
Taxable: Deere--25,000
Taxable: iPath DJ-UBS Cmd Idx--22,000
Taxable: T. Rowe Price ST Bond (NASDAQ:PRWBX - News)--50,000
Taxable: Rio Tinto--10,000
Taxable: Cash--72,000
Subotal--254,000

Rollover IRA: Vngrd Infla-Prot Secs (NASDAQ:VIPSX - News)--25,000
Rollover IRA: Vngrd Energy--22,000
Rollover IRA: Vngrd Tot Bond Mkt Idx--22,000
Rollover IRA: Vngrd Wellington--25,000
Subtotal--94,000

Total--959,000

In addition, Jack would do well to reduce his company stock holdings, given that his current stake accounts for about 7% of his and Marion's overall assets and that so much of this couple's livelihood already depends on his employer. Given their life stage, a position no higher than 5% is plenty. Even with that change, their portfolio has a very large stake in the industrial sector and relatively little in the industries that Morningstar classifies as "defensive"--consumer defensive, health care, and utilities. Adding a position in a total stock market index fund while also scaling back on economically sensitive winners, such as Deere and Rio Tinto , will help address the imbalance.

In terms of future allocations, Marion would do well to invest only as much in her 401(k) as she needs to in order to earn her employer's matching contributions. Beyond that, she should consider saving inside of an IRA or in tax-efficient mutual funds held in a taxable account, where she will have her choice of more cost-effective options than are available on her 401(k) menu.

Forward-Looking Moves
While those changes help improve the quality and diversification of the portfolio, they don't substantially improve the likelihood that it will be able to sustain itself for another 25 years with $70,000 in annual withdrawals. Given that, Jack and Marion will have to mull other, nonportfolio options, including working longer than they had anticipated, finding a way to save even more before they retire, spending less in retirement, or downsizing from their current home. The latter may be the most logical option, particularly because the couple acknowledges that their current home is too large for their needs. By selling it and purchasing a smaller townhome, they estimate they'd bring another $100,000 into their retirement kitty and lower their property tax bills to boot. In addition, it's not too soon for Jack and Marion to start mulling a Social Security strategy to maximize their payouts during their lifetimes. This article delves into some of the key variables to consider.

Data as of May 19, 2011.

Please note that the information above is not intended to be personalized portfolio advice for the makeover subject or any other investor. It is meant to illustrate a common investor dilemma and offer general portfolio ideas for consideration by investors in similar circumstances. Every investor’s situation is distinctive and may include several important variables not accounted for in this makeover.

Christine Benz will show you how to "Do Your Own Portfolio Makeover" in a live web seminar at 12 p.m. Central Time on Monday, May 23.

http://www.morningstar.com/BenzPortfolioMakeover

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Note: The articles above, including before and after portfolios, are meant for educational purposes only, and to illustrate common investor quandaries and possible solutions. These articles should not be construed as specific investment advice. Please read Morningstar.com's Terms of Use for more information.

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