EVANSVILLE, Ind., Oct. 29, 2025 (GLOBE NEWSWIRE) -- Do you really need an estate plan if you're under 60 or don’t have substantial wealth? According to Bradley Ford of Vineyard Financial, the answer is a definitive yes. In his recent article featured on HelloNation, Ford emphasizes that estate planning is essential for everyone, regardless of age or the size of their estate. Without an estate plan, the state controls the distribution of your assets, potentially overriding your personal wishes and causing un ...

Many people don’t know much about wills and insurance. For example, we may assume we don’t make enough money to justify having an insurance policy to protect us from identity theft or finalizing a will. You may not have much, but chances are good you have enough to warrant an estate plan, which entails the right life insurance policy and the proper execution of a legally binding will. Be Aware: Key Signs Your Credit Card Is Quietly Wrecking Your Finances Up Next: 10 Used Cars That Will Last Longer Than the ...

文章核心观点 - 配偶一方若无遗嘱或信托等正式遗产规划 在世配偶在资产继承上可能面临复杂法律程序及不确定性 [1][2] - 遗产规划文件能为资产分配提供明确指令 避免遗产进入认证法院由州法律决定分配方案 [3][5] - 资产所有权法律依据因州而异 社区财产法州与普通法州对配偶资产权利的规定存在显著差异 [1][2] 遗产规划要素与作用 - 遗产计划可包含遗嘱 更新受益人指定和设立信托等要素 为处理医疗保健 财务决策和资产分配提供详细指导 [3][4] - 设立正式遗嘱可明确指定继承者 仅依靠手写便条在资产分配过程中可能无法顺利执行 [2] - 无遗嘱情况下遗产将进入认证法院 根据州无遗嘱继承法进行分配 通常优先考虑在世配偶和子女 但复杂家庭关系会使分配复杂化 [5] 资产所有权法律差异 - 美国有九个州遵循社区财产法 婚姻期间获得资产由配偶双方各拥有一半 即使资产仅登记在一方名下亦适用 除非资产由一方继承或赠与获得 [1] - 社区财产法州配偶一方离世 在世配偶至少保留50%资产所有权 涵盖房产 退休及银行账户等 [1] - 普通法州若未列为账户受益人或房产共同合法所有人 需依靠正式遗嘱来确保资产继承权利 [2]

What if a husband and wife own a home together that increases in value by $500,000. When one spouse dies and the other owns the property themselves, do they receive a step-up in basis? Or do they only receive a $250,000 capital gains exemption when they sell the property? – Samuel Your question deals with the rules surrounding both a step-up in basis of an inherited asset and the capital gain exclusion on the sale of a primary residence. These rules are independent of each other, so both are true: the surv ...

行业核心观点 - 遗产规划服务必须从“锦上添花”转变为财富管理机构建立和维持客户关系的重要组成部分[1] 行业现状与机遇 - 尽管遗产规划在业内常被提及为一项服务，但许多顾问仍未与客户实施，这可能导致错失商业机会[2] - 存在一种常见误解，认为遗产规划不那么重要，但实际情况恰恰相反，参与其中能开启机会并了解客户的长期目标[3] - 获得对客户财务状况更广泛的理解能提高客户粘性并创造机会[3] 业务效益 - 进行遗产规划能带来显著更高的客户留存率和显著更高的钱包份额机会[4] - 应将遗产规划视为“关系保险”，既适用于制定计划的家庭成员之间，也适用于顾问与客户之间[4] - 至少60%的家庭最终会上法庭或对遗产分配产生某种争议，为客户制定计划有助于缓解这些麻烦[5] 代际财富转移 - 遗产规划有助于巩固顾问与可能继承资产的下一代家庭成员的关系[5] - 行业正面临数万亿美元规模的巨大财富转移，如果顾问不参与客户关于资产处置的讨论，其管理的资产将成为他人的目标[6] - 注册投资顾问客户流失的最重要原因之一是“与下一代缺乏联系”，而制定遗产计划是与该群体建立联系的一种方式[6]

Generational wealth — the various financial assets that are passed down through families to children, grandchildren and beyond — can come with pretty hefty tax burdens for heirs. Estate planning is key to transferring your generational wealth down to loved ones, as is understanding how to pass it down in a tax-free way — or at least in a manner that reduces the tax onus. Here are nine ways to do just that. Learn More: How To Build Wealth in 2025: 10 Smart Steps That Work Read Next: How Far $750K Plus Socia ...

信托账户管理 - 未成年人继承财产必须通过信托账户进行管理 [1] - 受托人承担受托责任 必须始终以未成年人的最佳利益使用资金 [4] - 信托可能包含特定使用指令 例如仅用于教育或医疗费用 必须遵循这些指令 [5] 信托设立与运营 - 新设立的信托需要向美国国税局申请雇主识别号码以开设银行账户 [4] - 继承资金将存入信托账户 账户可设立在银行、信用合作社或经纪公司 [4][6] - 银行或信用合作社适合简单的储蓄账户或存单 提供安全稳定的增长和便捷的支出渠道 [6] - 经纪公司提供共同基金、交易所交易基金或债券等投资渠道 有助于资金在14年内增长 [6]

Although it’s a difficult topic, it’s important to know what happens to a mortgage loan when someone dies. If you’re the current homeowner, you should understand what to expect and even be proactive to help your loved ones seamlessly receive one of your most valuable assets: your home. If your loved one is passing or has passed away, knowing the next steps is crucial. Dig deeper: What are your financial rights following the death of a loved one? In this article: What happens to a mortgage when you die? ...

SmartAsset and Yahoo Finance LLC may earn commission or revenue through links in the content below. What is the benefit of having a trust versus a will? We own our home, have a rental property and we have no debt.  My husband and I are retired and both have IRAs, over $500,000 in the stock market and approximately $100,000 in CDs. We have three grown children – one is a stepchild. We currently have a will but are wondering if a trust is a better option. – Judith This is a good question that many people d ...

公司合作与产品接入 - Betterment Advisor Solutions与Vanilla建立合作伙伴关系 为独立RIA提供Vanilla遗产规划平台的特别访问权限 [1] - 平台顾问可免费使用Vanilla的Estate Health Check功能 该功能调查客户当前遗产状况包括人寿保险 净资产和已有规划 [2] - 顾问还可获取该公司文件包中的有限数量文档 [2] 平台功能与业务价值 - 该合作使顾问能够与客户就遗产计划开展初步对话 同时可作为潜在客户开发工具 [3] - 遗产规划被视为客户财务生活的核心 财富管理公司需重视该领域服务 [4] - 合作旨在通过遗产规划服务帮助顾问建立更强大 更持久的客户关系 [4] 公司背景与发展历程 - Vanilla于2019年由资深顾问Steve Lockshin创立 旨在简化和自动化遗产规划流程 [4] - 公司初始融资来自Venrock和Insight Partners等投资机构 [4] - 投资者包括Vanguard前首席执行官F William McNabb III NBA传奇兼商人Michael Jordan以及Altruist创始人兼首席执行官Jason Wenk [4]