Yog tias koj tab tom yuav rov sib yuav, ntawm no yog cov teeb meem nyiaj txiag tseem ceeb los xav txog

Tej zaum koj yuav xav xav txog qee qhov teeb meem nyiaj txiag ua ntej taug kev ntawm txoj kab rov tav dua.

Thaum nws los txog los daws cov teeb meem nyiaj txiag ntawm kev sib yuav, cov kws pab tswv yim nyiaj txiag pom zoo cov khub niam txiv saib yav dhau los - piv txwv li, txhua tus neeg tswj hwm nyiaj txiag li cas, thiab lawv cov nuj nqis ua ntej kev sib yuav thiab cov khoom muaj nqis - tam sim no (xws li, kev xaiv txiaj ntsig tshiab) thiab yav tom ntej. - Piv txwv li, lawv yuav tswj nyiaj txiag li cas los yog tiv thaiv lawv tus kheej thiab cov neeg hlub thaum tuag los yog sib nrauj.

Nws yog ib qho tseem ceeb kom "tshem tawm tag nrho cov pob txha nyiaj txiag hauv lub txee dai khaub ncaws," said Rick Kahler, tus tsim ntawm Kahler Financial Group hauv Rapid City, South Dakota.

Ua haujlwm nrog tus kws kho mob nyiaj txiag tuaj yeem pab cov txij nkawm yav tom ntej nthuav tawm tag nrho cov nuj nqis thiab cov nyiaj tau los, tiv thaiv kev tsis ncaj ncees nyiaj txiag hauv txoj kev. Nws tseem yuav muab sijhawm rau lawv los tham txog txhua tus cwj pwm nyiaj txiag uas cuam tshuam rau lawv tus kheej tus cwj pwm nyiaj txiag thiab tus cwj pwm, Kahler tau hais.

Nws yog ib qho tseem ceeb uas cov tsev neeg sib xyaw muaj kev sib tham zoo sib xws nrog lawv cov menyuam, raws li Stacy Francis, CFP, tus thawj tswj hwm thiab CEO ntawm Francis Nyiaj Txiag hauv New York.

Nws tau hais tias "Cov menyuam yaus tau loj hlob hauv cov xwm txheej nyiaj txiag sib txawv, yog li nws tseem ceeb heev uas yuav tsum tau tham nrog tsev neeg txog kev cia siab nyiaj txiag tshiab," nws hais.

Thaum cov txij nkawm yav tom ntej txheeb xyuas lawv qhov xwm txheej nyiaj txiag, muaj ob peb lub ntsiab lus los xav txog, raws li Douglas Kobak, CFP thiab tus thawj coj ntawm Main Line Group Wealth Management hauv Conshohocken, Pennsylvania.

Piv txwv li, yog tias koj tau ua txij ua nkawm rau ntau tshaj 10 xyoo thiab sau cov txiaj ntsig Social Security ntawm koj tus qub txij nkawm tus account, koj yuav poob cov nyiaj them yog tias koj rov yuav dua. Tsis tas li, koj cov nyiaj tau los ua ke tshiab tuaj yeem ua rau cov nqi se ntau dua, feem ntau hu ua "kev nplua rau kev sib yuav."

Tom qab koj rov sib yuav, xyuam xim rau qhov cuam tshuam rau cov txiaj ntsig, Kobak tau hais. Nws tau sau tseg tias, vim tias kev sib yuav yog qhov kev tshwm sim hauv lub neej, koj tuaj yeem raug tso cai hloov koj cov kev pov hwm kev pov hwm sab nraum lub caij nplooj zeeg lub sijhawm.

"Nco ntsoov tias yog tias koj tau sib nrauj yav dhau los thiab tau txais kev tuav pov hwm luv nqi los ntawm [Healthcare.gov] pauv, thaum koj rov sib yuav, koj cov nqi pov hwm yuav nce yog tias koj cov nyiaj tau los sib koom ua ke nce," nws hais.  

Nws yog ib qho tsim nyog los xav txog kev tiv thaiv cov cuab tam ua ntej kev sib yuav uas nyob hauv koj lub npe nkaus xwb, Kobak tau hais.

"Koj yuav tsum sab laj nrog tus kws lij choj vaj tse hauv koj lub xeev ua ntej kev sib yuav," nws hais. "Lawv tuaj yeem tawm tswv yim tawm tsam kev nyiag qee lossis tag nrho cov khoom muaj nqis, thiab qhia kev ntseeg siab, cais cov khoom muaj nqis ua ntej sib yuav los ntawm kev txij nkawm, los tiv thaiv koj thaum muaj kev sib nrauj."

Francis ntawm Francis Financial hais tias kev npaj vaj tsev yog "qhov tseem ceeb" yog tias koj muaj tsev neeg tshiab nrog menyuam yaus. "Nws yog tsab ntawv hlub rau koj cov menyuam, yav dhau los lossis tshiab," nws hais. "Lawv yog cov ntaub ntawv los saib xyuas txhua tus neeg koj hlub.

"Nws yog ib qho tseem ceeb uas yuav tau hloov kho tag nrho koj cov neeg tau txais txiaj ntsig," Francis ntxiv.

Tsis tas li ntawd, nco ntsoov xyuas Transfer on Death designations on checking accounts, brokerage accounts and real estate deeds, as these override designations in a will, Kahler said.

Tom qab ntawd muaj qhov feem ntau dreaded pre-nup.

Francis tau hais tias "Kev cog lus ua ntej tshoob yog ib kauj ruam ntau ntawm cov tsev neeg sib xyaw ua ke, tab sis nws tsis tas yuav tsis muaj kev sib hlub," Francis tau hais. “Lub sijhawm twg zoo dua los tham txog nws dua li thaum koj npau taws hauv kev hlub?

"Yog tias muaj kev sib nrauj, nws tiv thaiv txhua tus los ntawm cov nqi raug cai siab tshaj plaws, thaum cov nyiaj ntawd tuaj yeem mus rau koj cov nyiaj txiag yav tom ntej," nws hais ntxiv.

Rob Wermuth, CFP thiab koom tes nrog Legacy Planning, nyob hauv West Chester, Pennsylvania hais tias "Kev sib txuas lus nyiaj txiag yog qhov tseem ceeb tshaj plaws kev coj ua kom ua tiav nyiaj txiag hauv kev sib raug zoo."

Nws xav kom cov khub niam txiv muaj lub rooj sib tham txhua hli los tham txog lawv cov nyiaj txiag hauv txoj hauv kev. Cov rooj sib tham yuav tsum yog los ntawm 60 mus rau 90 feeb ntev, nyob deb ntawm tsev thiab nws cuam tshuam.

Cov txheej txheem yuav tsum tau ua raws, nws hais tias, suav nrog cov hom phiaj nyiaj txiag, kev siv nyiaj (pob nyiaj piv rau qhov tseeb), cov phiaj xwm nyiaj ntsuab uas xav tau los them cov nqi, thiab muab cov haujlwm rau lub rooj sib tham tom ntej (xws li hu rau tus neeg saib xyuas kev pov hwm, tshuaj xyuas kev nqis peev, thiab lwm yam).

Cov neeg siv khoom tau zoo siab, Wermuth tau hais. Nws tau hais tias "Lawv teb nrog lub zog ntau dua, ua raws li ntau dua, thiab muaj kev lav phib xaub rau lawv pab pawg kws pab tswv yim," nws hais ntxiv, cov neeg siv khoom rov qab xav "xav kom muaj zog los txhawb lawv txoj kev sib raug zoo vim tias, hauv lawv txoj kev sib yuav yav dhau los, nyiaj txiag yog ib qho ntawm cov laj thawj. ua kom lawv sib nrug. "