Kungani Kusetshenziswa Abaqondisi Be-Isle of Man Professional?
Sibe nenkathi enwetshiwe yokungaqiniseki emhlabeni wonke okuhlanganisa nokugqama okunjengobhadane, ukuphazamiseka komnotho, ukwehla kwamandla emali okukhulu kanye nosongo lwempi entsha yamakhaza. Kulezi zikhathi ezinzima, uzihlelela kanjani izizukulwane ezizayo? Nakuba kuzohlala kunokuphazamiseka kwezimakethe, uma kuziwa ekuhleleni amafa nokulandelana, ungathola induduzo ekuthembekeni okuqinile kwama-Trustees Angochwepheshe abanamalayisense futhi alawulwa ngendlela efanele.
Kulesi sihloko esifushane sizoxoxa ngezinye zezizathu ezibalulekile okufanele ucabangele I-Trustee Ephrofeshinali yesakhiwo sakho se-Trust:
- Yini i-Professional Trustee?
- Kungani i-Lay Trustee ngezinye izikhathi ikhetha okungalungile?
- Yini okufanele ngiyicabangele lapho ngikhetha i-Professional Trustee?
- I-Dixcart ingasiza kanjani ngokuhlela kwami i-Trust?
1. Yini i-Professional Trustee?
Awukwazi ukuba neTrustee ngaphandle kwama-Trustees, kodwa yini i-Trustee futhi yini umehluko phakathi kwe-Lay Trustee kanye ne-Professional Trustee?
I-Trustee iqokwa I-Settlor / Donor of A Trust futhi yinhlangano enetayitela elisemthethweni lesakhiwo nezimpahla ezakha i-Trust Fund. I-Trustee kufanele iphathe Isikhwama Sesikhwama ngokuhambisana ne-Trust Deed, imisebenzi yabo eyahlukene kanye nezintshisakalo Zabahlomulayo. Ungakwazi funda kabanzi mayelana namaqembu ahlukahlukene e-Trust nokuningi, lapha.
Ama-Trustees angabantu abangebona abantu bemvelo abangebona ochwepheshe, ngokuvamile umndeni noma abangani, abaqokwa njengomphatheli weThrasti njengomsunguli weThrasti. Bayosebenza njenge-Truste impilo yonke yeThrasti, noma baze bangakwazi ukusebenza, bashone noma bangene esikhundleni.
I-Trustee Eyingcweti ingaba yi-Body Corporate noma Abantu Bemvelo kodwa ngokuvamile iyinhlangano yebhizinisi njenge-Private Limited Company. Ama-Trustees Angochwepheshe ngokuvamile angochwepheshe abaqeqeshiwe abazokwenza imisebenzi yabo ngenkokhelo. I-Professional Trustee inkontileka ne-Settlor / Donor ukuze ihlinzeke ngezinsizakalo impilo yonke ye-Trust noma ize ishintshwe.
Ama-trust awanabo ubuntu obusemthethweni obuhlukene ngakho-ke KONKE Ama-Trustees anesibopho esinzima ngokuhlanganyela nangezenzo zawo ngaphansi kweThrasti. Ukwengeza, ama-Lay Trustees kanye nama-Trustees Angochwepheshe bakweleta inhlanganisela Yomthetho Ovamile kanye nemisebenzi Yomthetho Kwabahlomulayo. Le misebenzi ihlanganisa izibopho ezifana nokunakekela okunengqondo nekhono, ukuqonda ngokugcwele izibopho zabo ngaphansi kweThrasti, ukugwema ukungqubuzana kwezintshisekelo, ukwenza ngokwamandla abo ngaphansi kwe-Trust Instrument kanye nokwenza ngokungakhethi.
Ngaphezu kwalokho, njengoba i-Trust ingenabo ubuntu obusemthethweni obuhlukene futhi zonke izikweletu ezixhumene ne-Trust Fund ziwela kuma-Trustees, ama-Trustees angakwazi ukungena ezikweletini zentela endaweni yawo, okuhlanganisa ukuhlangabezana nanoma yiziphi izimfuneko zokubika njll.
Okubalulekile ukuthi iqembu eliqokiwe kumele lizimisele ukusebenza njenge-Trustee, kodwa njengoba nibona, ukuqokwa njenge-Trustee kuwumsebenzi onzima ongaba inkimbinkimbi futhi unomthwalo wemfanelo omkhulu.
2. Kungani i-Lay Trustee ngezinye izikhathi ikhetha okungalungile?
'Zonke izilwane ziyalingana, kodwa ezinye ziyalingana kunezinye…'
Ulayini odumile ka-Orwell ovela e-Animal Farm ubonakale uyindlela efanele yokuvula lesi sigaba - kodwa ngiqonde ukuthini ngalokhu?
Nakuba izinkantolo zizobamba ama-Trustees Angagunyaziwe ukuba aziphendulele ngezenzo zawo ngaphansi kwe-Trust Deed futhi ngokuvumelana nemisebenzi ye-Trustee kanye ne-Fiduciary ekweletwayo, ama-Trustees Angochwepheshe azophathwa ngendlela ephakeme.
Isibonelo, ekunqumeni ubudedengu obuchwepheshile, iNkantolo izobheka isimo somqondo/ulwazi lwe-Trustee Yephrofeshinali ngokuhambisana neyomuntu Oqokiwe Ongamele I-Trustee enekhono ngokunengqondo, egcwele lonke ulwazi nobungcweti i-Professional Trustee okungalindeleka ukuba abe nayo - kuhlanganisa nanoma iluphi uhlobo. ulwazi olukhethekile ababezimisele ukuba nalo.
Ngaphezu kwalokho, ngenkathi ama-Trustees Angochwepheshe base-UK ngokuvamile engalawulwa, ama-Isle of Man Professional Trustees kufanele abe Nelayisensi Yekilasi 5 futhi alawulwa yi-Isle of Man Financial Services Authority ngaphansi koMthetho Wezinsizakalo Zezezimali ka-2008.
Umphumela walokhu uphindwe kathathu:
- Umndeni kanye/noma abangani abaqokwe njengoMphathiswa bayoba nesibopho somuntu siqu ngezenzo zabo, okuhlanganisa noma yikuphi ukulahlekelwa okungase kube khona noma izenzo ezinolwazi olungalungile; futhi
- Uma ama-Trustees Angochwepheshe ehilelekile, azogcinwa ezingeni eliphezulu lokunakekelwa mayelana nokufeza imisebenzi yawo ngaphansi kweThrasti; futhi
- Wonke ama-Isle of Man Professional Trustees kumele agcine ilayisense futhi alawulwa. Lokhu kunikeza ukuvikeleka okwengeziwe kanye nesiqiniseko sekhwalithi iklayenti kanye nabahlomuli balo bangathola induduzo kukho.
Lapho i-Lay Trustee iqokwa, i-Settlor / Donor ngeke ngempela izuze kunoma yikuphi ukuvikela okwengeziwe, futhi ngeke igcinwe Kuzinga Lobungcweti. Kunezizathu eziningi ezengeziwe ezingasiza ekunqumeni ukuthi i-Professional Trustee ikulungele yini ngaphansi kwezimo.
Ububi Bokuqoka I-Trustee Eyingcweti
Ukuqoka i-Professional Trustee akukhona ngaphandle kokucabangela kwakho. Umphumela omkhulu wokuqoka I-Trustee Eyingcweti yizimali ezikhokhwayo. Ubukhulu be-Trust Fund buzonquma ukuthi izinsizakalo ze-Professional Trustee ziyasebenza yini noma cha.
Lapho i-Trust Fund ingaphansi kosayizi obuncane, izimali ze-Professional Trustee zinganciphisa ngokulinganayo izimpahla. Isibonelo, i-Settlement ka-£100k efaka izimali ze-Professional Trustee zika-£10k ngonyaka kufanele zikhule ngaphezu kuka-10% ngonyaka ukuze kuhlangatshezwane nezindleko zayo ze-Professional Trustee kuphela - kungase kube nezinkokhelo zezinkampani zangaphandle (isb. Abaphathi Bezakhiwo njll.) - lokhu ngeke kwenzeke. Uma kuqhathaniswa, Ukukhokhwa kuka-£1m ngenani elifanayo lika-£10k Lomphathiswa Wobungcweti kuzodinga kuphela ukuzuza ukukhula okungaphezu kuka-1% ngonyaka, okuyisithiyo esingafezwa kakhudlwana.
Ngakho-ke, ama-Professional Trustees ajwayele ukuzibandakanya lapho i-Trust Fund izoba nenani lezigidi+. Ezimweni ezinjalo, izindleko ze-Professional Trustee nanoma yiziphi izinkampani zangaphandle zingahlangatshezwana nazo ngenkathi zisakhula ngendlela enempilo ngemali engenayo, izinzuzo nenzalo enqwabelene.
Ezimweni ezinjalo, iklayenti liphinde lidlulisele ukulawula kwezimpahla zalo Eziqediwe kubantu okungenzeka lingenabo ubudlelwano obukhona nabo. Nokho, lokhu kukhathazeka kungadanjiswa eminye yemibuzo esiyicabangela esigabeni 3.
Ububi Bokuqoka I-Trustee
Ngokuphambene, izinzuzo eziyinhloko zokuqoka i-Lay Trustee ukuthi i-Settlor / Donor izoba nobudlelwane bangaphambili nabo okungukuthi bazoba umuntu owaziwayo. Enye inzuzo eyinhloko ukuthi ngokuvamile bazosebenza njenge-Trustee mahhala.
Nokho, kunezici eziningi ezibalulekile ezenza i-Lay Trustee isisombululo esingakhangi lapho i-Trust Fund kanye nokuhlela kuvumela ukuthi I-Trustee Eyingcweti ibandakanyeke. Lokhu kuhlanganisa ukucatshangelwa okufana nalokhu:
Ukuqhubeka
Ngeshwa, ngokungafani nama-Professional Trustees asebenza ngebhizinisi, ama-Lay Trustees angafa noma alahlekelwe amandla. Lokhu kungabangela izinkinga zokuphatha kahle nangempumelelo kweTrust futhi kungenise izindleko zokulungisa. Ama-Trustees Alandelayo angaqanjwa kwi-Deed, kodwa izindaba ezifanayo zisekhona, futhi kukhona ukuthembela ekugcinweni kwamarekhodi ngendlela efanele nasekunikezeni kahle - njengoba angeke agcinwe endaweni emaphakathi, ngokungafani namahhovisi Abaphathiswa Abangochwepheshe.
Izimo zama-Trustees nazo zingashintsha. Isibonelo bangase bathuthele ngenxa yomsebenzi njll. Lapho lokhu kunjalo, ngaphandle kwendaba yokuba kude, njengoba kuphawuliwe ngaphambili, kungabangela izikweletu ezingahlosiwe. Umphathiswa angadonsela i-Trust ohlelweni lwentela lwaleyo ndawo entsha, futhi lokhu kungase kube nemiphumela yentela.
I-Trustee Eyingcweti iletha unomphela nesiqiniseko mayelana nokuphathwa ngesikhathi sokuphatha. Ngaphezu kwalokho njengoba inkampani ingaqhubeka unomphela, lesi sici sivumela umhlinzeki wesevisi ukuba abe nokuqonda okujulile kwelungiselelo, i-Settlor / Donor futhi lapho kufaneleka khona Abahlomulayo kuso sonke isikhathi seThrasti, esiza ekuphathweni ngempumelelo kwe-Trust. Themba.
ukungathathi hlangothi
Njengoba ama-Lay Trustees kungabantu abaziwa yi-Settlor / Donor njengomndeni noma abangani, bavame ukuba 'nesikhumba emdlalweni' okusho ukuthi bavame ukuba nentshisekelo - kungaba ngokuqondile noma ngokungaqondile. Njengoba kuphawuliwe ngaphambilini, lena eminye yemisebenzi esemthethweni ekweletwa ama-Trustees.
Lapho kunenkinga yokungakhethi, ukungqubuzana kwezinhloso zenzuzo njll. lokhu kungase kufake engozini ukuhlelwa, kube umsuka wesenzo somthetho futhi kungase kubone nokuphambuka ezinhlosweni ze-Settlor/Donor. Ngaphezu kwalokho, ama-Lay Trustees angavamisile ukungaboni ngaso linye, okwenza ukuphatha i-Trust kube nzima nakakhulu.
I-Trustee Ephrofeshinali izimele ebuhlotsheni bemindeni futhi ihlale iqinisekisa indlela engachemi yokufeza imisebenzi yayo ngaphansi kwe-Trust - ehlala yenza okuthile kwabahlomulayo futhi ngokuhambisana nezifiso ze-Settlor / Donor.
Umthwalo
Ukusebenza njenge-Trustees kungaba umsebenzi odla isikhathi, oyinkimbinkimbi futhi ngezinye izikhathi ongaqondakali. Lokhu kungaholela ekutheni indima ibe nzima futhi icindezele ama-Lay Trustees, ikakhulukazi lapho i-Trust Fund iqukethe izimpahla ezibalulekile.
Kungakhathaliseki ukuthi benza ukuphatha kwansuku zonke, ukugcina ama-akhawunti noma ukusebenzisana nochwepheshe bezinkampani zangaphandle, ama-Trustees akho azobe ethwala umthwalo onzima. Khumbula ukuthi ama-Lay Trustees ngokuvamile azobe enza le ndima eduze nomsebenzi wawo nempilo yasekhaya.
Ukuqoka I-Trustee Eyingcweti, efana no-Dixcart, kunikeza lo mthwalo kubasebenzi abangochwepheshe abazinikezele ekuletheni isevisi esezingeni eliphezulu, okugcina obathandayo bengenazo izinhlungu nezinhlungu zobu-Trusteeship.
Ulwazi Nolwazi
Ngokuqondakalayo, iningi lama-Lay Trustees limane nje lingenalo ulwazi oludingekayo kanye nobuchule bokuphatha iThrasti ngendlela efanele. Emhlabeni wanamuhla, indawo ezungezile ingaphansi kwezibuyekezo ezivamile, ngokwesibonelo ezimfuneko zokubika isb i-FATCA ne-CRS, izimfuneko zokubhalisa isb. Irejista Yamabhizinisi Aphesheya kwezilwandle kanye nezinguquko zentela, ukuphathwa kwezomthetho noma okuqondiswayo njll.
Ngokuvamile ochwepheshe abaqeqeshiwe, abafana no-Dixcart, bayoba nolwazi olujulile lwazo zonke izindawo ezibalulekile futhi bagcine ukuqwashisa ngezinqubo ezingcono kakhulu.
Ngempela, kungase kudingeke ulwazi olukhethekile ngakho-ke kungase kudingeke i-Professional Trustee. Isibonelo, akuvamile ukuthi amabhizinisi noma amaqembu ezinkampani afune ukusebenzisa ama-Trust akhethekile, njengama-Employee Benefit Trust noma ama-Employee Ownership Trust. Ezimweni ezinjalo ukubusa okuhle kubalulekile ngakho-ke ama-Trustees Angochwepheshe angaba yinzuzo enkulu.
Ulwazi nobungcweti be-Professional Trustee yakho kungasiza ngisho ne-Trust Fund ukuthi ihlangabezane nemigomo yayo ngokuhamba kwesikhathi, inikeze inani kanye nokonga kwezindleko ngale kokuphatha okulula.
Sengiphetha, uma kubhekwa izimo ezifanele, ukuqokwa koMphathi Ochwepheshe, njengo-Dixcart, kunganciphisa izikweletu ezingafuneki futhi kunikeze ukuthula kwengqondo kubo bonke abathintekayo.
3. Yini okufanele ngiyicabangele lapho ngikhetha i-Professional Trustee?
Uma wena kanye/noma umeluleki wakho ekholelwa ukuthi I-Trustee Eyingcweti iyisixazululo esifanele, ungase uzibuze ukuthi ungamhlonza kanjani kangcono i-Trustee Ewuchwepheshe. Kunezinto eziningi okufanele zicatshangelwe, kodwa ngezansi kukhona imibuzo embalwa ekhombisa i-Trust enhle kanye Nomhlinzeki Wesevisi Yebhizinisi:
Ingabe I-Trust and Corporate Service Provider Isungulwe Kahle?
Iklayenti lizofuna ukucabangela lezo zinkampani ezinefa embonini futhi ezisebenze ngokuqhubekayo ngaphandle kokukhishwa. Lokhu kubonisa ukuzibophezela komhlinzeki wesevisi ekusebenzeni ngendlela eqhubekayo nangendlela ethobelayo. Umhlinzeki wesevisi onolwazi olunzulu ekuthembekeni nasezinkonzweni zebhizinisi uzoba nokuqonda okujulile kobunzima obuhilelekile ekuphatheni amabhizinisi. Okuhlangenwe nakho kwabo kungakusiza ukuthi uzulazule ezinkingeni nezinselele ezingaba khona, okungase kwengeze inani. Ngakho-ke, igama lokuhweba liyinkomba yokuhlala unomphela nokuthembeka.
I-Dixcart Group manje isineminyaka engaphezu kwengu-50 ihweba futhi isalokhu ingeyangasese yomndeni ofanayo. Ngaphezu kwalokho, i-Dixcart Isle of Man ibilokhu isebenza kusukela ngo-1989, emele ulwazi olujulile nolwehlukene lokuphatha i-Trust and Corporate. Lokhu kusho ukuthi asinazo izingcindezi zezohwebo ezifanayo abahlinzeki besevisi yezokulingana ezizimele abahlangabezana nazo, sike senze ukwakheka okuthobelayo futhi ngenxa yalokho sibe nekhwalithi kunokugxila kwevolumu.
Ingabe I-Trust kanye Nomhlinzeki Wensizakalo Yebhizinisi Banabasebenzi Abaqeqeshiwe Nabanolwazi?
I-Trust and Corporate Service Provider ethembekile kufanele ibe nethimba lochwepheshe abaneziqu nobungcweti obufanele, njengabagcini bama-Accountant, Abameli, ama-Trustees aqeqeshiwe e-STEP, Onobhala Abanamalungelo njll. Ngokuvamile bayoba amalungu ezinhlangano ezihlonishwayo zezimboni nezinhlangano.
Lapho usebenzisana ne-Trust yakho kanye Nomhlinzeki Wensizakalo Yebhizinisi kufanele uzizwe uqiniseka ukuthi abasebenzi oxhumana nabo banolwazi oluningi, bangakunikeza izimpendulo ozidingayo futhi baqeqeshwe ngokufanelekile.
Ngaphezu kwalokho, kubalulekile ukuxhumana ngqo namalungu eqembu aphezulu kanye nabaqondisi. Uma ufuna okuthile kwenziwe - kudinga ukuthathwa njengokubalulekile. Lesi yinkomba enhle yamazinga esevisi.
Kwa-Dixcart izindaba zakho zansuku zonke zizosingathwa izisebenzi eziphezulu eziqeqeshiwe. Ukwengeza, abaqondisi bethu bayayazi yonke imboni esigibele kuyo futhi bazibandakanya ngokugcwele kumasevisi alethwayo.
Ingabe i-Trust and Corporate service provider ine-Transparent Fee Structure?
Ukuphatha okuningi nokuthobela okwenziwa Abahlinzeki Besevisi Ye-Trust kanye Nebhizinisi ngokuvamile kulethwa ngokwesisekelo 'sokuchithwa kwesikhathi', okusho ukuthi isilinganiso sehora esilinganiselwe siyasebenza. Izinga lezimali ezikhokhwayo lizohambisana namazinga omsebenzi adingekayo ukuze kuqhutshwe ibhizinisi. Okunye izinga lehora elisebenza kunoma yimuphi umsebenzi lizoncika ebunzimeni bomsebenzi nobungcweti obudingekayo.
Lapho ucabangela i-Trust yakho kanye Nomhlinzeki Wensizakalo Yebhizinisi, udinga ukuqinisekisa ukuthi izimali ezikhokhwayo zisobala nokuthi awusoze wakhokhiswa ngaphandle kokuqonda ukuthi yini oyikhokhelayo. Kudingeka futhi kube nokuvumelana nezimo okwakhelwe ngaphakathi, ukuze ukubuyekezwa okuvamile kwenziwe, futhi ubudlelwano buhlale bulungile kubo bonke abathintekayo.
Siyohlale sivuleleka futhi sithembekile kumakhasimende nabeluleki uma kuziwa ezinkokhelweni, njalo sinikeza isexwayiso kusengaphambili futhi sithola ukusayinwa kweklayenti ngaphambi kokwenza noma yini. Kwa-Dixcart sikholelwa ukuthi ukwethembana kuyisakhiwo esiyisisekelo ekuthuthukiseni ubudlelwano bethu namakhasimende kanye nabeluleki bawo.
Ingabe Uzoba Nendawo Yokuxhumana Ezinikezele?
I-Trust enhle kanye Nomhlinzeki Wensizakalo Yenkampani iqinisekisa ukuqhubeka kwesevisi, okubuye kunciphise ukuphazamiseka okungaba khona. Ngakho-ke, kubaluleke kakhulu ukuthi ukwazi ukwakha ubudlelwano besikhathi eside bokuthembana nokuqondana namalungu eqembu azinikele. Inzuzo ephansi yabasebenzi kanye nezinguquko ezingavamile kothintana nabo zibonisa uhlobo lokwethembeka nokuzinza ozolufuna kunoma yikuphi ukuhlelwa kwesikhathi eside okufana ne-Trust.
Ihhovisi lika-Dixcart's Isle of Man linenani eliphansi kakhulu lezisebenzi, ngamalungu eqembu lethu amaningi ahlala nathi iminyaka engu-5+ kanye nenombolo esebenza cishe iminyaka engama-20.
4. I-Dixcart Ingasiza Kanjani Ngokuhlela Kwethemba Lami?
Abakwa-Dixcart banolwazi oluningi kuzo zonke izinhlangano zaphesheya kwezilwandle futhi bangasiza ngokusetha nokuphatha okuqhubekayo kokuhlela kweklayenti lakho langasese kanye nesakhiwo sebhizinisi. Lokhu kuhlanganisa zonke izinhlobo zeTrust kanye nanoma yiziphi Izimoto Zenjongo Eyisipesheli noma izinhlangano zebhizinisi.
Kule minyaka engu-50 edlule, sakhe ubudlelwano bokusebenza obuqinile nabanye abeluleki abahamba phambili emhlabeni. Uma ungakaxoxi nomeluleki oqeqeshiwe, singenza isingeniso ngokufanele.
Thola in Touch
Uma ungathanda ukuxoxa ngezinsizakalo ze-Professional Trustee, noma i-Estate and Succession Planning, sicela ukhululeke ukuxhumana no-Paul Harvey e-Dixcart: iseluleko.iom@dixcart.com
IDixcart Management (IOM) Limited Ilayisensiwe yi-Isle of Man Financial Services Authority
