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\u7b2c\u56db\uff0c\u8a2d\u7acb\u4fe1\u8a17 \u4fe1\u8a17\u6709\u591a\u7a2e\u591a\u6a23\uff0c\u57fa\u672c\u53ef\u5283\u5206\u70ba\u53ef\u64a4\u92b7\u7684\u8207\u4e0d\u53ef\u64a4\u92b7\u7684\u5169\u985e\u3002\u524d\u8005\u5e38\u898b\u7684\u6709\u751f\u524d\u4fe1\u8a17(Living Trust) \u548cpension 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\u5f88\u591a\u4eba\u5c0dtrust\u4e0d\u4e86\u89e3\uff0c\u6216\u662f\u4e00\u77e5\u534a\u89e3\uff0c\u5e38\u5e38\u6709\u5ba2\u4eba\u5c24\u5176\u662f\u9ad8\u6536\u5165\u3001\u9ad8\u98a8\u96aa\u7684\u91ab\u751f\u5ba2\u6236\u8ddf\u6211\u8aaa\u8981\u8a2d\u7acbtrust,\u9632\u6b62\u88ab\u5225\u4eba\u544a\u3002\u4ed6\u5011\u6700\u5927\u7684\u8aa4\u89e3\u662f\u4ee5\u70ba\u4e00\u65e6\u8a2d\u7acb\u4e86\u4fe1\u8a17\u5c31\u842c\u4e8b\u5927\u5409\u4e86\uff0c\u81ea\u5df1\u7684\u8ca1\u7522\u5c31\u56fa\u82e5\u91d1\u6e6f\u4e86\uff0c\u9084\u6709\u4e9b\u4eba\u8a8d\u70ba\u653e\u9032\u4fe1\u8a17\u7684\u9322\u6211\u9084\u53ef\u4ee5\u81ea\u7531\u652f\u914d\uff0c\u60f3\u600e\u9ebc\u82b1\u5c31\u600e\u9ebc\u82b1\u3002 \u95dc\u65bc\u4fe1\u8a17\u6709\u5169\u689d\u5fc5\u9808\u660e\u767d\uff0c\u7b2c\u4e00\uff0c\u53ef\u64a4\u92b7\u7684\u4fe1\u8a17\u65e2\u6c92\u6709\u591a\u5c11\u7701\u7a05\u7684\u529f\u80fd\uff0c\u66f4\u6c92\u6709\u8cc7\u7522\u4fdd\u969c\uff08asset protection\uff09\u7684\u4f5c\u7528\u3002\u9053\u7406\u5176\u5be6\u5f88\u7c21\u55ae\uff0c\u5c31\u56e0\u70ba\u5b83\u53ef\u4ee5\u96a8\u6642\u64a4\u92b7\u3002\u7b2c\u4e8c\uff0c\u771f\u6b63\u5177\u6709\u907a\u7522\u898f\u5283\u4f5c\u7528\u7684\u662f\u4e0d\u53ef\u64a4\u6d88\u4fe1\u8a17\uff0c\u4f46\u653e\u9032\u53bb\u7684\u73fe\u6709\u8ca1\u7522\u6216\u672a\u4f86\u8ca1\u7522\uff08\u5982\u4eba\u58fd\u4fdd\u96aa\uff09\u6cd5\u5f8b\u4e0a\u8b1b\u5df2\u7d93\u4e0d\u5c6c\u65bc\u4f60\uff0c\u4f60\u6c92\u6709\u652f\u914d\u6b0a\uff0c\u66f4\u6c92\u6709\u53d7\u76ca\u6b0a\u3002\u5982\u679c\u4f60\u78ba\u5be6\u64d4\u5fc3\u6210\u70ba\u88ab\u544a\uff0c\u6015\u50b5\u6b0a\u4eba\u65e5\u5f8c\u67d3\u6307\u4f60\u7684\u8ca1\u7522\uff0c\u4f60\u5c31\u8981\u8a2d\u7acb\u4e0d\u53ef\u64a4\u6d88\u7684\u4fe1\u8a17\uff0c\u628a\u81ea\u5df1\u7528\u4e0d\u8457\u7684\u8ca1\u7522\u653e\u9032\u53bb\uff0c\u6307\u660e\u4f60\u7684\u5b50\u5973\u4f5c\u53d7\u76ca\u4eba\u3002 \u9019\u6a23\u505a\u6709\u5169\u5927\u597d\u8655\uff0c\u4e00\u662f\u4ee5\u4eca\u5929\u7684\u50f9\u503c\u628a\u8ca1\u7522\u8f49\u79fb\u9032\u53bb\u4e86\uff0c\u65e5\u5f8c\u8a72\u8ca1\u7522\u5305\u62ec\u5347\u503c\u4e0d\u6703\u7b97\u4f5c\u4f60\u7684\u907a\u7522\uff0c\u56e0\u800c\u6c92\u6709\u907a\u7522\u7a05\u3002\u4e8c\u662f\u56e0\u70ba\u8a72\u8ca1\u7522\u5df2\u7d93\u4e0d\u5c6c\u65bc\u4f60\u4e86\uff0c\u5982\u679c\u88ab\u544a\uff0c\u5225\u4eba\u62ff\u4e0d\u5230\u8a72\u4fe1\u8a17\u4e2d\u7684\u8ca1\u7522\u3002\u66fe\u7d93\u6709\u5ba2\u6236\u82e5\u5e72\u5e74\u524d\u8a2d\u7acb\u4e86\u4e00\u500b\u4e0d\u53ef\u64a4\u6d88\u7684\u4fe1\u8a17\uff0c\u628a\u4ed6\u7684\u90e8\u5206\u8ca1\u7522\u653e\u5230\u4fe1\u8a17\u4e2d\uff0c\u53d7\u76ca\u4eba\u662f\u4ed6\u7684\u5e7e\u500b\u5973\u5152\u3002\u5f8c\u4f86\uff0c\u4ed6\u88ab\u5224\u5211\u5750\u7262\uff0c\u540d\u4e0b\u7684\u516c\u53f8\u3001\u623f\u7522\u3001\u9280\u884c\u8cec\u6236\u88ab\u6c92\u6536\uff0c\u4f46\u5728\u8a72\u4fe1\u8a17\u4e0b\u7684\u8cc7\u7522\u5b89\u7136\u7121\u6059\uff0c\u4fdd\u969c\u4e86\u5176\u5b50\u5973\u65e5\u5f8c\u7684\u751f\u6d3b\u8cbb\u7528\u3002 \u6587\/\u9ec3\u66c9\u6771\" \/>\n\t\t<meta property=\"og:url\" content=\"https:\/\/newsforchinese.com\/v3\/2021\/06\/01\/%e8%b2%a1%e5%af%8c%e5%82%b3%e6%89%bf%e7%9a%84%e6%9c%80%e4%bd%b3%e6%96%b9%e5%bc%8f\/\" \/>\n\t\t<meta property=\"og:image\" content=\"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2021\/06\/money.jpg\" \/>\n\t\t<meta property=\"og:image:secure_url\" content=\"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2021\/06\/money.jpg\" \/>\n\t\t<meta property=\"og:image:width\" content=\"254\" \/>\n\t\t<meta property=\"og:image:height\" content=\"198\" \/>\n\t\t<meta property=\"article:published_time\" content=\"2021-06-02T04:59:07+00:00\" \/>\n\t\t<meta property=\"article:modified_time\" content=\"2021-06-02T04:59:15+00:00\" \/>\n\t\t<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n\t\t<meta name=\"twitter:title\" content=\"\u8ca1\u5bcc\u50b3\u627f\u7684\u6700\u4f73\u65b9\u5f0f - News for Chinese \uff0d \u820a\u91d1\u5c71\u7063\u5340No.1\u514d\u8cbb\u83ef\u4eba\u793e\u5340\u5831\u7d19\" \/>\n\t\t<meta name=\"twitter:description\" content=\"\u8ca1\u7522\u8f49\u79fb\u4e0d\u50c5\u50c5\u662f\u90a3\u4e9b\u5bb6\u7522\u842c\u8cab\u7684\u5343\u842c\u5bcc\u7fc1\u3001\u5104\u842c\u5bcc\u7fc1\u5fc5\u9808\u8981\u505a\u7684\uff0c\u5c31\u662f\u90a3\u4e9b\u6709\u4e00\u3001\u4e8c\u767e\u842c\u8cc7\u7522\u7684\u4e2d\u7522\u968e\u7d1a\u4e5f\u9700\u8981\u4e86\u89e3\u548c\u8003\u616e\u3002\u56e0\u70ba\u8ca1\u7522\u8f49\u79fb\u4e0d\u50c5\u50c5\u610f\u5473\u8457\u5c11\u4ea4\u6216\u4e0d\u4ea4\u907a\u7522\u7a05\uff0c\u9084\u8207\u7a05\u52d9\u898f\u5283\u5bc6\u5207\u76f8\u95dc\uff0c\u505a\u7684\u597d\u9084\u6709\u5b98\u53f8\u4fdd\u969c\u548c\u5b50\u5973\u96e2\u5a5a\u6642\u4e0d\u7834\u8ca1\u7684\u597d\u8655\u3002 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\u53d7\u8a17\u4eba\uff08Trustee\uff09\uff1a\u8ca0\u8cac\u7ba1\u7406\u3001\u6295\u8cc7\u548c\u5206\u914d\u4fe1\u8a17\u8cc7\u7522\u7684\u500b\u4eba\u6216\u5c08\u696d\u6a5f\u69cb\uff08\u5982\u4fe1\u8a17\u516c\u53f8\u3001\u9280\u884c\uff09\u3002\u53d7\u8a17\u4eba\u5fc5\u9808\u56b4\u683c\u4f9d\u64da\u4fe1\u8a17\u5951\u7d04\uff08Trust Deed\uff09\u7684\u898f\u5b9a\uff0c\u4ee5\u53d7\u76ca\u4eba\u7684\u6700\u5927\u5229\u76ca\u884c\u4e8b\u3002 \u53d7\u76ca\u4eba\uff08Beneficiary\uff09\uff1a\u5f9e\u4fe1\u8a17\u8cc7\u7522\u4e2d\u7372\u53d6\u5229\u76ca\u7684\u4eba\u3002\u53d7\u76ca\u4eba\u7684\u7bc4\u570d\u53ef\u4ee5\u5ee3\u6cdb\uff0c\u4f8b\u5982\u5b50\u5973\u3001\u5b6b\u8f29\uff0c\u751a\u81f3\u6148\u5584\u6a5f\u69cb\u3002 \u7576\u59d4\u8a17\u4eba\u5c07\u8cc7\u7522\u8f49\u79fb\u7d66\u53d7\u8a17\u4eba\u5f8c\uff0c\u9019\u4e9b\u8cc7\u7522\u5728\u6cd5\u5f8b\u4e0a\u4fbf\u7368\u7acb\u65bc\u59d4\u8a17\u4eba\u548c\u53d7\u8a17\u4eba\u7684\u500b\u4eba\u8ca1\u7522\u4e4b\u5916\uff0c\u6210\u70ba\u7368\u7acb\u7684\u300c\u4fe1\u8a17\u8ca1\u7522\u300d\uff08Trust Property\uff09\u3002\u9019\u7a2e\u6cd5\u5f8b\u7368\u7acb\u6027\u662f\u4fe1\u8a17\u6240\u6709\u6838\u5fc3\u529f\u80fd\uff08\u5305\u62ec\u8cc7\u7522\u4fdd\u8b77\u8207\u7a05\u52d9\u512a\u5316\uff09\u7684\u57fa\u790e\u3002 \u4e8c\u3001 \u5bb6\u65cf\u4fe1\u8a17\u7684\u6838\u5fc3\u529f\u80fd\uff1a\u4fdd\u8b77\u8cc7\u7522\u8207\u50b3\u627f\u63a7\u5236 \u5bb6\u65cf\u4fe1\u8a17\u4e4b\u6240\u4ee5\u88ab\u8b7d\u70ba\u300c\u8ca1\u5bcc\u4fdd\u96aa\u7bb1\u300d\uff0c\u4e3b\u8981\u6b78\u529f\u65bc\u5176\u5728\u8cc7\u7522\u4fdd\u8b77\u548c\u63a7\u5236\u6b0a\u65b9\u9762\u7684\u7368\u7279\u512a\u52e2\uff1a 1. \u8cc7\u7522\u7684\u9694\u96e2\u8207\u4fdd\u8b77 \u4e00\u65e6\u8cc7\u7522\u5408\u6cd5\u8f49\u5165\u4fe1\u8a17\uff0c\u5373\u5be6\u73fe\u4e86\u8cc7\u7522\u9694\u96e2\u3002\u9019\u610f\u5473\u8457\uff1a \u50b5\u6b0a\u4eba\u4fdd\u8b77\uff1a\u5728\u7d55\u5927\u591a\u6578\u53f8\u6cd5\u7ba1\u8f44\u5340\uff0c\u4fe1\u8a17\u8ca1\u7522\u7121\u6cd5\u88ab\u59d4\u8a17\u4eba\u6216\u53d7\u76ca\u4eba\u7684\u500b\u4eba\u50b5\u6b0a\u4eba\u8ffd\u7d22\uff08\u524d\u63d0\u662f\u4fe1\u8a17\u8a2d\u7acb\u6642\u4e0d\u5b58\u5728\u6b3a\u8a50\u6216\u9003\u907f\u50b5\u52d9\u7684\u610f\u5716\uff09\u3002 \u5a5a\u59fb\u98a8\u96aa\u9694\u96e2\uff1a\u4fe1\u8a17\u8cc7\u7522\u901a\u5e38\u4e0d\u6703\u88ab\u8996\u70ba\u53d7\u76ca\u4eba\u5a5a\u59fb\u8cc7\u7522\u7684\u4e00\u90e8\u5206\uff0c\u80fd\u5920\u6709\u6548\u4fdd\u8b77\u5bb6\u65cf\u8ca1\u5bcc\u5728\u96e2\u5a5a\u6642\u4e0d\u88ab\u5206\u5272\u3002 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\u9996\u5148\u9700\u6c7a\u5b9a\u4fe1\u8a17\u7684\u6027\u8cea\uff1a \u53ef\u64a4\u92b7\u4fe1\u8a17\uff08Revocable Trust\uff09\uff1a\u59d4\u8a17\u4eba\u53ef\u4ee5\u5728\u751f\u524d\u96a8\u6642\u66f4\u6539\u6216\u53d6\u6d88\uff0c\u4f46\u901a\u5e38\u4e0d\u5177\u5099\u7a05\u52d9\u512a\u52e2\u548c\u6700\u9ad8\u7a0b\u5ea6\u7684\u8cc7\u7522\u4fdd\u8b77\u3002 \u4e0d\u53ef\u64a4\u92b7\u4fe1\u8a17\uff08Irrevocable Trust\uff09\uff1a\u4fe1\u8a17\u4e00\u65e6\u8a2d\u7acb\uff0c\u59d4\u8a17\u4eba\u5373\u55aa\u5931\u5c0d\u8cc7\u7522\u7684\u63a7\u5236\u6b0a\uff0c\u4f46\u56e0\u6b64\u7372\u5f97\u66f4\u5f37\u7684\u8cc7\u7522\u4fdd\u8b77\u548c\u6f5b\u5728\u7684\u907a\u7522\u7a05\u7bc0\u7701\u3002 \u9078\u64c7\u4fe1\u8a17\u7684\u7ba1\u8f44\u5730\uff08Jurisdiction\uff09\u81f3\u95dc\u91cd\u8981\uff0c\u5b83\u6c7a\u5b9a\u4e86\u4fe1\u8a17\u7684\u6cd5\u5f8b\u74b0\u5883\u3001\u96b1\u79c1\u4fdd\u8b77\u7a0b\u5ea6\u548c\u7a05\u52d9\u8655\u7406\u65b9\u5f0f\u3002\u5e38\u898b\u7684\u570b\u969b\u4fe1\u8a17\u7ba1\u8f44\u5730\u5305\u62ec\u65b0\u52a0\u5761\u3001\u9999\u6e2f\u3001\u958b\u66fc\u7fa4\u5cf6\u548c\u6fa4\u897f\u7b49\u3002 2. \u64b0\u5beb\u4fe1\u8a17\u5951\u7d04\uff08Trust Deed\uff09 \u9019\u662f\u4fe1\u8a17\u7684\u9748\u9b42\u6587\u4ef6\uff0c\u9700\u7531\u5c08\u696d\u6cd5\u5f8b\u9867\u554f\u8d77\u8349\u3002\u5951\u7d04\u5fc5\u9808\u660e\u78ba\u898f\u5b9a\uff1a \u4fe1\u8a17\u76ee\u6a19\uff1a\u8a2d\u7acb\u4fe1\u8a17\u7684\u660e\u78ba\u76ee\u7684\u3002 \u53d7\u8a17\u4eba\u6b0a\u529b\u8207\u7fa9\u52d9\uff1a\u53d7\u8a17\u4eba\u5728\u7ba1\u7406\u3001\u6295\u8cc7\u548c\u5206\u914d\u8cc7\u7522\u65b9\u9762\u7684\u6b0a\u9650\u908a\u754c\u3002 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