大家都做了estate planning么？

[mmking]

rt

[牛河梁]

牛爸做了分完了。

老牛还没全分完。

[Cellcycle2]

这是啥东西？

[longtian]

简单说就是你死了之后你的财产怎么处理

如果你死了没有遗嘱，你的所有财产就要走probate process，就是政府接受你的所有财产然后确定继承人最后分配，时间漫长，而且所有花费需要从你财产扣除，所有东西会给你变现，比如房产政府拍卖。所以如果你不搞living trust之类的，至少先留个遗嘱

这是啥东西？

[BCQ1]

搞个TRUST吧

[Cellcycle2]

简单说就是你死了之后你的财产怎么处理

如果你死了没有遗嘱，你的所有财产就要走probate process，就是政府接受你的所有财产然后确定继承人最后分配，时间漫长，而且所有花费需要从你财产扣除，所有东西会给你变现，比如房产政府拍卖。所以如果你不搞living trust之类的，至少先留个遗嘱

哦，我们搞了一个什么，回家问问廉颇

[Narcotics07]

最简单的是在账户上设定beneficiaries, 你挂了这钱直接给受益人，不用probate

当然娃要是小，拿这么多钱不是好事，就设一个revocable trust, 受益人是这个trust, 在trust 设好怎么分猪肉，啥时候分，你挂了钱直接进trust

[Narcotics07]

简单说就是你死了之后你的财产怎么处理

如果你死了没有遗嘱，你的所有财产就要走probate process，就是政府接受你的所有财产然后确定继承人最后分配，时间漫长，而且所有花费需要从你财产扣除，所有东西会给你变现，比如房产政府拍卖。所以如果你不搞living trust之类的，至少先留个遗嘱

遗嘱也要走probate 呀

[longtian]

是的，但是程序完全不一样。有遗嘱，由自己指定的executor来执行遗嘱，而不是政府指定的administrator来处理你的财产。

遗嘱也要走probate 呀

[Narcotics07]

是的，但是程序完全不一样。有遗嘱，由自己指定的executor来执行遗嘱，而不是政府指定的administrator来处理你的财产。

扯,没有遗嘱是next of kin 做administrator,你挂了你老婆处理，然后你的成年子女啥的

[longtian]

google一下很麻烦吗？问问chatgpt也可以

扯,没有遗嘱是next of kin 做administrator,你挂了你老婆处理，然后你的成年子女啥的

[longtian]

If you die without a will (intestate), a court must appoint an administrator to handle your estate, and your assets will be distributed according to your state's intestate succession laws, prioritizing close family members like your spouse, children, parents, and siblings, rather than your specific wishes. The court-appointed administrator will manage the estate through a probate process, which can be a lengthy and complex court procedure.
Who handles your assets?
A Court-Appointed Administrator: Since there's no will naming an executor, the court must appoint an administrator to manage your estate.
Order of Priority: California law (and most other states) provides a statutory priority list for who can be appointed administrator. This typically follows this order:
Surviving spouse or domestic partner
Adult children
Parents
Siblings
Court Decision: A judge will decide who among eligible individuals will be appointed. Conflicts can arise, and the court may hold hearings to determine the most suitable candidate.
What happens to your assets?
Intestate Succession Laws: Your assets are distributed according to state law, not your personal preferences.
Family-First Approach: The state's laws prioritize close family members. In California, this generally means your surviving spouse inherits a portion, and the rest is divided among your children. If there's no spouse, assets go to children, then parents, then siblings, and so on.
Court-Supervised Probate: A probate process is required to administer and distribute the estate.
Frozen Assets: Until the court issues formal letters of administration, no one has legal authority to access the deceased's accounts or assets, which can lead to immediate financial hardship for the family.
Delays and Costs: The probate process can be lengthy, taking months or even over a year, especially if there are disputes. It can also reduce the size of the estate due to associated costs.
How to avoid this:
Estate Planning: To ensure your assets go to your chosen beneficiaries and to simplify the process, it is best to create a will and other estate planning documents.
Beneficiary Designations: Assets like those in retirement or bank accounts can avoid probate by having named beneficiaries.
Joint Ownership: Consider joint ownership of assets with a spouse or other individuals to facilitate a smooth transfer of property.

扯,没有遗嘱是next of kin 做administrator,你挂了你老婆处理，然后你的成年子女啥的

[Narcotics07]

If you die without a will (intestate), a court must appoint an administrator to handle your estate, and your assets will be distributed according to your state's intestate succession laws, prioritizing close family members like your spouse, children, parents, and siblings, rather than your specific wishes. The court-appointed administrator will manage the estate through a probate process, which can be a lengthy and complex court procedure.
Who handles your assets?
A Court-Appointed Administrator: Since there's no will naming an executor, the court must appoint an administrator to manage your estate.
Order of Priority: California law (and most other states) provides a statutory priority list for who can be appointed administrator. This typically follows this order:
Surviving spouse or domestic partner
Adult children
Parents
Siblings
Court Decision: A judge will decide who among eligible individuals will be appointed. Conflicts can arise, and the court may hold hearings to determine the most suitable candidate.
What happens to your assets?
Intestate Succession Laws: Your assets are distributed according to state law, not your personal preferences.
Family-First Approach: The state's laws prioritize close family members. In California, this generally means your surviving spouse inherits a portion, and the rest is divided among your children. If there's no spouse, assets go to children, then parents, then siblings, and so on.
Court-Supervised Probate: A probate process is required to administer and distribute the estate.
Frozen Assets: Until the court issues formal letters of administration, no one has legal authority to access the deceased's accounts or assets, which can lead to immediate financial hardship for the family.
Delays and Costs: The probate process can be lengthy, taking months or even over a year, especially if there are disputes. It can also reduce the size of the estate due to associated costs.
How to avoid this:
Estate Planning: To ensure your assets go to your chosen beneficiaries and to simplify the process, it is best to create a will and other estate planning documents.
Beneficiary Designations: Assets like those in retirement or bank accounts can avoid probate by having named beneficiaries.
Joint Ownership: Consider joint ownership of assets with a spouse or other individuals to facilitate a smooth transfer of property.

你copy 了这么多，就没读一下么？

prioritizing close family members like your spouse, children, parents, and siblings, rather than your specific wishes

court appointment 就是过一个程序，一般就是按顺序走next of the kin.

对于家庭关系简单的华人家庭，基本就是走配偶-成年子女-父母（绿卡美籍）这个track. 所以对孩子还成年的，设立trust及其重要

[Hilfiger]

这个是夫妻两人每人做一个么还是两个人可以一起做一个？

[mmking]

可以自己做也可以一起做

自己做只能处置自己的财产部分

这个是夫妻两人每人做一个么还是两个人可以一起做一个？

[longtian]

sigh, 政府指定一个人来处理，想想会出多少幺蛾子吧

你copy 了这么多，就没读一下么？

prioritizing close family members like your spouse, children, parents, and siblings, rather than your specific wishes

court appointment 就是过一个程序，一般就是按顺序走next of the kin.

对于家庭关系简单的华人家庭，基本就是走配偶-成年子女-父母（绿卡美籍）这个track. 所以对孩子还成年的，设立trust及其重要

[Yesterday]

夫妻关系好，joint account，没有任何问题。
关系不好，留给孩子，早一年晚一年的也无所谓，早晚是他们的。
没有孩子的，捐给教会，做有利于人民的人。
钱真多的就建一个医院一个医学院这样的慈善机构，像Vanderbilt兄弟，一个搞了一个医学院千古留名，一个造了一个带空调的大房子好像意义一般。

[longtian]

捐给谁都可以，人家还搞个你的名字的奖学金，建筑物啥的，捐给教会就是丢水里连个响都没有

夫妻关系好，joint account，没有任何问题。
关系不好，留给孩子，早一年晚一年的也无所谓，早晚是他们的。
没有孩子的，捐给教会，做有利于人民的人

[Yesterday]

捐给谁都可以，人家还搞个你的名字的奖学金，建筑物啥的，捐给教会就是丢水里连个响都没有

钱真多的就建一个医院一个医学院这样的慈善机构，像Vanderbilt兄弟，一个搞了一个医学院千古留名，一个造了一个带空调的大房子好像意义一般。