Effective Estate Planning

The thought of estate planning often brings to mind your will and your legacy. As you have spent your entire life on the acquisition, management and preservation of your wealth of assets for the benefit of your loved ones you leave behind, shouldn’t you pay as much attention to the prudent distribution of your assets upon your demise to ensure that your wishes are effective in bringing about the desired result and minimize the burden on your loved ones who inherit your assets? Of particular concern here is the legacy involving real estate property and joint bank accounts. The key to effective estate planning is knowing how the manner of holding such assets in the first place affects the right to transfer them upon death.

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有效的遗产规划

提到遗产规划,相信你会联想到遗嘱和遗产。在你用了一生的时间为了至亲至爱所积累,管理和保护你的财富的时候, 更应该确保过世后财产会被谨慎合理的分配,在达到所期望的分配结果的同时,减轻继承财产的负担。其中特别需要注意的是房地产和联名银行账户。有效遗产规划的关键是了解持有这些资产的方式将会如何影响过世后的转让权。

动产: 联权共有和生存者拥有原则

通常是你拥有的最大资产是不动产,许多已婚夫妇作为共同家庭购买的房屋,都是以夫妻共同持有的名义持有的。对于联权共有人,法律规定,当一位业主死亡时,财产自动归在世的联权共有人所有(生存者原则),并且不会根据死者的遗嘱作为遗产的一部分进行分配。即使你已经在遗嘱中将房产分配给指定继承人,在死者死亡的那一刻,这部分房屋所有权已经划归其他共同所有人,而非死者本人。如果你想在过世后把房产转移给指定受益人,你必须首先终止联权共有,使其脱离“生存者原则”的规则,一旦生效,联权共有将变为分权共有。并在死者死亡的那一刻,房产将按照死者遗嘱进行分配。

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