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配偶的財產規劃

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為配偶建立財產規劃是一個並不令人愉悅的話題。但是為了避免配偶不幸意外離世給家人造成的經濟重擔,財產規劃顯得尤為重要。您有必要妥善保管有關配偶的重要文件和信息,才能在配偶不幸離世後合理處理其資產。 

資產分布

夫妻之間的有效溝通是順利進行財產規劃的關鍵。瞭解您配偶的所有銀行帳戶對關於這方面的交流也會有幫助。如果您的配偶有私人帳號,您需要瞭解帳戶的登入相關信息,以備不測。合股,單股,債券,共同基金等也應該分享信息。

瞭解哪些內容在保險範圍之內對您和配偶很重要。您需要確保所有跟保險公司相關的附加信息對您和配偶都開放,這樣能幫助其中一人幫助不幸離世的另一人處理有關事宜。

配偶的401K退休計劃,個人退休帳戶(IRA),或退休養老金,也應當做好信息記錄。還需要記錄的是彼此的社會安全號碼。不同的養老金有不同的獲取方式,比如有些需要配偶的書面許可。充分瞭解一旦配偶離世後您將繼承的財產非常重要。

健康保險

給配偶的健康保險通常涵蓋在生前預囑中。生前預囑,即預先聲明病危時希望採取何種措施的預囑,由律師保管。與配偶之間溝通雙方在出現嚴重疾病時是否採用人工維持生命手段能幫助我們在這樣情況發生時順利做出決定。

遺囑亦能確保您的配偶對其資產如何處理的願望得到實現。這份文件能夠清楚表明您的配偶的意願。作為夫妻,您應當和配偶共同規劃資產。您和配偶也許有共同資產。對於在一方離世後由生者繼承的遺產,比如房地產或銀行帳戶,會直接轉移至繼承人。

已婚夫婦也可以考慮建立聯合持有財產權來避開遺囑認證。遺囑認證是法院裁定遺產將如何分配的程序。一個遺囑從開始進行認證到結束需要耗費很長的時間。聯合持有財產權契約可以讓聯合擁有的財產在一方不幸離世後直接轉移給生者。

財務管理授權書

財務管理授權書是您在自己無法處理財物事宜時委託一位法律代理人代替您處理的授權文件。一般來講,夫妻會授權對方作為自己的法律代理人處理財物事宜,例如儲存支票,繳納稅務,或管理投資。如果沒有財務管理授權書,法院會擁有支配遺產的全部權力。所以,指定財務管理法律代表人非常重要。

您應當瞭解配偶將重要財產文件和個人文件存放在何處,包括遺囑,員工福利記錄,稅務單,財產記錄,房契,存摺,信用卡信息,社會安全號碼,退伍軍人福利和人身保險等。當您的配偶不幸離世時,你需要以上的材料來完成一些必要的文件和聯繫保險公司和退休帳戶管理機構。將必要的準備工作做好可以減少處理愛人離世的壓力和痛苦。

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