세금, 고소, 검인 과정으로 부터 가족을 보호! 마음의 안정과 평화

많은 사람들이 개인 재산, 사업 재산을 채권자, 고소, 장기 간호 비용 (양로원 비용) 으로 부터 보호하고 싶어한다. 변경 불가 신탁 (irrevocable trust) 등의 법률 적 전략을 통해 잠정적인 채권자로 부터 재산을 보호할 수 있다.

concept of money for buying house property with blue sky background

재산 보호는 누구에게 필요한가?

재산 보호는 보통 전문직 종사자들 (의사, 변호사, 회계사, 건축가 등), 부동산 소유주, 부자로 소문난 사람들처럼 채권자나 고소로 부터 목표가 될 수 있는 사람들이게 필요하다. 또한 본인의 이혼 또는 자녀의 이혼의 염려가 있는 경우에도 필요하다.

재산 보호를 통해 얻는 이점은 다음과 같다:

  • 본인의 이익을 위해 재산을 이용할 수 있다.
  • 본인이 원하는 사람에게 재산을 물려줄 수 있다.
  • 본인이 원하는 때에, 원하는 방법으로 재산을 물려줄 수 있다.
  • 세금, 검인과정 비용, 법정 비용, 채권자 합의금에 쓰일 비용을 절감할 수 있다.

생명 보험을 이용한 재산 보호

생명 보험은 비용을 절감하며 세금 혜택을 받을 수 있는 재산 계획의 좋은 방법 중의 하나이다. 또한 부를 축적함에 있어 생명 보험을 이용하면 소득세가 제외되며, Policy Cash 도 세금 없이 인출이 가능하며, 세금 없이 사망 보험금을 받을 수 있다. 중요한 것은 보험 소유를 누구로 하여 계획하느냐 하는 것인데 이것을 통해 필요시 자산을 유동적으로 사용할 수 있게 된다. 생명 보험은 재산 유동성, 사업 계획의 자금으로 사용, 재산 균등 분배, 기부, 또는 가족 유산으로 받는 등 여러가지 재산 계획 방법에 중요한 역할을 한다. ILIT (irrevocable life insurance trust)는 보험 소유주와 수혜자를 지정한다. 보통은 가족이나 수혜자 중에 Trustee, 즉 신탁 관리자를 지정하여 생명 보험을 신탁에 기술된 대로 관리하도록 하기에 본인이 간접적으로 관리할 수 있는 격이 된다.

Protecting your family from Taxes, Lawsuits, and Probate

Debtor/Creditor law provides that whatever you can get, your creditors and predators can get. Many people wish to protect their personal business and/or professional assets from unknown potential creditors, unforeseen lawsuits, and nursing home costs. Asset protection techniques, such as irrevocable trusts, are designed to safeguard your assets from such potential creditors. You will gain safety and security and have peace of mind.

Who should consider asset protection?

Individuals who are in high risk occupation such as but not limited to doctors, lawyers, real estate developers and very wealthy individuals that can be targets of creditors and lawsuits. Also, individuals who have family issue such as divorce or child’s divorce.

Asset protection can give you the power to:

  • Control your property for your benefit
  • Give what you want to who you want
  • Give it how you want, when you want and they way you want
  • Save every possible dollar from taxes, probate, court costs, and creditor claims

The Irrevocable Life Insurance Trust

Life insurance represents a highly cost-effective and tax-efficient method of finding for estate liquidity and other planning. In addition, as a wealth accumulation or a wealth preservation vehicle, life insurance is attractive because it offers income tax deferred accumulation of cash within the policy, income tax favored access to policy cash, and income tax free death proceeds. The question then becomes how to best struture policy ownership so that liquidity is available when needed-undiminished by taxes. With well-structured life insurance policy, it can play a vital role in many aspects of estate planning including: providing for estate liquidity, finding a business succession plan, providing an estate equalization bequest, a chritable bequest, or even a family legacy. The ILIT (irrevocable life insurance trust) is designated the owner and beneficiary of the policy. You appoint a trustee to manage the policy, in trust, on behalf of the trust beneficiaries (typically your family), according to instructions you incoporate into the trust–thereby mainataining some measure of indirect control.

Domestic Asset Protection Trust

Several States have adopted legislation that provide by various degrees of asset protection. If properly set up and maintained, the Domestic Assset Protection Trust will be significant barrier to creditors and will afford significant leverage to the debtor with respect to its negotiations with the creditor.

Offshore Asset Protection Trust

It is a trust that sets up in an offshore jurisdiction which has proactive trust legislation providing for substantial protection against creditors. One of the greatest advantages of the Offshore Asset Protection Trust is the fact that by its very nature any legal attack against its assets are transferred abroad to a different legal system.

Advantages of the Offshore Asset Protection Trust are as follows:

a. Most foreign jurisdictions do not recognize U.S. judgments.

b. Some foreign jurisdiction require a much more difficult burden of proof for a creditor to challenge asset transfers to Offshore Asset Protection Trusts.

c. Some jurisdictions have a statute of limitations for challenging asset transfers to a trust that begins to run on the date of transfer.

d. Fees and expenses in litigation in the foreign jurisdictions are going to be substantial thereby serving as a strong deterrent to foreign litigation.

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