Pamela Monaco sitting with her dog

规划永不停歇

2024 年冬季 "奉献之声":奉献很重要

Jan L. Lane,CAP®,高级慈善顾问

虽然遗产规划对促进财务和代际健康至关重要,但大多数美国成年人都没有遗产规划文件,如遗嘱、信托或医疗保健指令。 我们中的许多人通常会出于各种原因回避这一过程,包括拖延、误认为这一过程只适用于老年人或拥有大量金钱或财产的人,或者仅仅是因为我们不知道从哪里开始。 对于我们这些已经起步的人来说,重要的是要记住,一个好的规划过程永远不会真正停止。

一旦制定了遗产计划,大多数人都会等到人生发生重大转变时–如孩子出生、购房、重病或亲人过世–才会启动审查。 事实上,开始考虑遗产规划永远不会太早,一旦您将自己的愿望写成书面文件,最好至少每三到五年重新审视这些文件。 即使您的生活环境没有发生变化,例行审查也提供了一个机会,让您反思其他可能随时间而变化的因素–从技术因素(税法)到无形因素(您的优先事项)。 当您回顾您的遗产计划时,请考虑您的文件是否与您的慈善意愿相一致,特别是如果您已经通过社区基金会的遗产计划实现了您的意愿。 社区基金会的基金可以通过遗嘱或信托,或通过在合格退休计划或人寿保险单上指定受益人的方式,成为遗产捐赠的理想接受者。 无论您是选择创建自己的遗产基金,还是补充与您的长期影响愿景相一致的现有捐赠基金,所得收益都可用于支持您最关心的事业。

定期审查遗产计划有很多理由,遗产计划也是如此。 这里有几个例子可供参考:

慈善机构可以改变

如果您的计划包括对您最喜爱的非营利组织 的直接支持,那么定期审查 将使您能够 在慈善机构 停止运营的情况纳入备份或 应急措施

你可以改变

定期审查会让你有机会自我检查,反思什么对你最重要。 你现在的答案和五年前一样吗? 十年后还会这样吗?

社区可以改变

我们今天应对的需求和机遇很有可能与明天的需求和机遇不同。 在审查计划时,您不妨考虑如何将支持措施灵活地纳入计划,以应对未来的变化。

无论是遗产规划还是传承规划,我们都可以在一生中不断采取一些措施来保护我们的亲人、支持我们的后代并保护我们的遗产。 社区基金会可以帮助您制定并维护一项慈善遗产计划,该计划可以补充您的遗产计划,并随着您的愿望不断发展。

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