{"id":29194,"date":"2025-05-19T20:56:06","date_gmt":"2025-05-19T20:56:06","guid":{"rendered":"https:\/\/francisway.com\/?post_type=article&#038;p=29194"},"modified":"2025-05-19T20:56:11","modified_gmt":"2025-05-19T20:56:11","slug":"no-haga-que-un-nino-sea-el-intermediario","status":"publish","type":"article","link":"https:\/\/francisway.com\/es\/article\/no-haga-que-un-nino-sea-el-intermediario\/","title":{"rendered":"No Haga que un Ni\u00f1o Sea el Intermediario"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Es sorprendentemente com\u00fan: un padre le deja todo a un hijo y simplemente le dice: \u00abYa sabes qu\u00e9 hacer, div\u00eddelo con tus hermanos\u00bb. Pero el problema es que esto genera presi\u00f3n emocional y riesgo financiero para el hijo. Incluso si cumplen, podr\u00edan generar consecuencias fiscales imprevistas, especialmente si los activos no son f\u00e1ciles de dividir o conllevan obligaciones tributarias (como las cuentas de jubilaci\u00f3n antes de impuestos).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Seg\u00fan la normativa actual, la mayor\u00eda de los beneficiarios de cuentas de jubilaci\u00f3n heredadas que no sean el c\u00f3nyuge deben retirar la totalidad de los fondos en un plazo de 10 a\u00f1os. Esto significa que si deja una gran cuenta IRA antes de impuestos a un hijo con instrucciones verbales de \u00abcompartirla\u00bb, este no solo es responsable de dividir los fondos, sino que tambi\u00e9n asume todos los impuestos, a menudo durante sus a\u00f1os de mayores ingresos. Esto no solo es injusto, sino que puede ser financieramente perjudicial.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">T\u00f3mese su tiempo para revisar su plan patrimonial completo: testamentos, fideicomisos y, especialmente, la designaci\u00f3n de beneficiarios. Aseg\u00farese de que sus cuentas de jubilaci\u00f3n, p\u00f3lizas de seguro de vida y cuentas bancarias reflejen sus verdaderas intenciones. Utilice herramientas como las designaciones de Transferencia por Fallecimiento (TOD) o Pagadero por Fallecimiento (POD) para dividir los bienes de forma autom\u00e1tica y clara. No d\u00e9 por sentado que su familia lo resolver\u00e1. Su legado merece claridad, no conflictos.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si est\u00e1 listo para tomar las riendas de su futuro financiero y desea asesoramiento personalizado, reserve una sesi\u00f3n de planificaci\u00f3n financiera a trav\u00e9s de su portal de participantes o la aplicaci\u00f3n Francis LLC, disponible en la app de Apple y Google Play Store, o ll\u00e1menos al 866-232-6457.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/francisway.com\/knowledge\/category\/uncategorized\/consejosdedinero\/\"><strong><em>Volver a la biblioteca de consejos financieros<\/em><\/strong><\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"featured_media":0,"template":"","meta":{"_acf_changed":false},"tags":[51025],"article-categorie":[51017],"class_list":["post-29194","article","type-article","status-publish","hentry","tag-planificacion-patrimonial","article-categorie-articulo","entry"],"acf":[],"featured_image_urls_v2":{"full":"","thumbnail":"","medium":"","medium_large":"","large":"","1536x1536":"","2048x2048":"","alm-thumbnail":"","post-thumbnail":"","gform-image-choice-sm":"","gform-image-choice-md":"","gform-image-choice-lg":""},"post_excerpt_stackable_v2":"<p>Es sorprendentemente com\u00fan: un padre le deja todo a un hijo y simplemente le dice: \u00abYa sabes qu\u00e9 hacer, div\u00eddelo con tus hermanos\u00bb. Pero el problema es que esto genera presi\u00f3n emocional y riesgo financiero para el hijo. Incluso si cumplen, podr\u00edan generar consecuencias fiscales imprevistas, especialmente si los activos no son f\u00e1ciles de dividir o conllevan obligaciones tributarias (como las cuentas de jubilaci\u00f3n antes de impuestos). Seg\u00fan la normativa actual, la mayor\u00eda de los beneficiarios de cuentas de jubilaci\u00f3n heredadas que no sean el c\u00f3nyuge deben retirar la totalidad de los fondos en un plazo de 10 a\u00f1os. Esto&hellip;<\/p>\n","category_list_v2":"","author_info_v2":{"name":"","url":""},"comments_num_v2":"0 comentarios","yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>No Haga que un Ni\u00f1o Sea el Intermediario | Francis LLC.<\/title>\n<meta name=\"description\" content=\"Los atajos bien intencionados en su plan patrimonial podr\u00edan dejar a su familia con un bagaje emocional y financiero.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/francisway.com\/es\/article\/no-haga-que-un-nino-sea-el-intermediario\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"No Haga que un Ni\u00f1o Sea el Intermediario | Francis LLC.\" \/>\n<meta property=\"og:description\" content=\"Los atajos bien 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