为别人管理财务
Learn how to assume a role as a financial 照顾者 and understand the legal implications involved.
Making financial decisions for someone else can feel like an overwhelming task. If this is a role you've had to assume, you aren't alone. It's not uncommon to help maintain a loved one's financial security by assuming responsibility for their finances. Furthering the need for 信任ed financial support is the high rate of elder scams and 欺诈计划. Here's a look at how to manage someone else's finances and understand the potential implications associated with this role.
早点开始谈话
最好的时间 处理这个话题 is before your loved one gets sick or their mental state begins to deteriorate. Some of the first steps necessary to begin handling someone else's finances can only be done when the account holder is mentally competent. So, talk with your loved one about their financial priorities and make plans together, including creating a joint account or adding yourself to a convenience account. These options enable a 信任ed individual to make transactions on behalf of the primary account holder.
正式一点
趁你爱的人还清醒的时候, they will need to appoint someone to oversee their finances. This individual would assume a legal responsibility to make financial decisions on their behalf, and that responsibility needs to be laid out in a legal framework. A lawyer can help draft the documents necessary to make this an official relationship, 它通常可以扮演以下三种角色之一:
授权书(POA)
Obtaining power of attorney ensures the power to make financial decisions on behalf of another individual. This legal document carries a fiduciary responsibility, which means the 信任ed individual must make all decisions in the best interest of the person signing over the authority.
受托人
这个角色包括监督你所爱的人 信任 对自己的资产负有责任.
法院指定的监护人
在没有POA或指定受托人的情况下, the court can appoint a guardian if it finds that someone can no longer manage their own finances.
记下每件事
作为受托人, you are obligated by law to keep detailed records and make decisions in the best interest of your loved one. 如果你收到付款作为一个 照顾者, it's best to add another 信任ed family member or friend to the account who can pay you. 这样你就不用给自己付钱了.
While assuming responsibility for a loved one's finances, 比如父母财务方面的授权书, 从来不是任何人的第一选择吗, this act can help ensure your loved one's financial stability into old age. And when established early, it can prevent heartache down the road. 无论你和你爱的人决定走哪条路, make sure both of you are in agreement and fully understand all of the implications, 安排的要求和职责.