{"id":271237,"date":"2026-11-05T09:06:09","date_gmt":"2026-11-05T09:06:09","guid":{"rendered":"https:\/\/news.vandica.com\/%e7%88%b6%e6%af%8d%e9%8a%80%e8%a1%8c%e5%ad%98%e6%ac%be%e5%b8%b3%e6%88%b6%e5%8a%a0%e9%80%b2%e5%ad%90%e5%a5%b3%e5%90%8d%e5%ad%97-%e8%8b%a5%e5%ad%a9%e5%ad%90%e6%8f%90%e9%8c%a2%e8%8a%b1%e7%94%a8%e6%81%90\/"},"modified":"2026-11-05T09:06:09","modified_gmt":"2026-11-05T09:06:09","slug":"%e7%88%b6%e6%af%8d%e9%8a%80%e8%a1%8c%e5%ad%98%e6%ac%be%e5%b8%b3%e6%88%b6%e5%8a%a0%e9%80%b2%e5%ad%90%e5%a5%b3%e5%90%8d%e5%ad%97-%e8%8b%a5%e5%ad%a9%e5%ad%90%e6%8f%90%e9%8c%a2%e8%8a%b1%e7%94%a8%e6%81%90","status":"publish","type":"post","link":"https:\/\/news.vandica.com\/traditional_chinese\/%e7%88%b6%e6%af%8d%e9%8a%80%e8%a1%8c%e5%ad%98%e6%ac%be%e5%b8%b3%e6%88%b6%e5%8a%a0%e9%80%b2%e5%ad%90%e5%a5%b3%e5%90%8d%e5%ad%97-%e8%8b%a5%e5%ad%a9%e5%ad%90%e6%8f%90%e9%8c%a2%e8%8a%b1%e7%94%a8%e6%81%90\/","title":{"rendered":"\u7236\u6bcd\u9280\u884c\u5b58\u6b3e\u5e33\u6236\u52a0\u9032\u5b50\u5973\u540d\u5b57 \u82e5\u5b69\u5b50\u63d0\u9322\u82b1\u7528\u6050\u8b8a\u8d08\u8207"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<section class=\"article-content__editor\">\n\t\t\t\t\t<!-- \u6587\u7ae0\u5927\u5716 --><\/p>\n<figure class=\"article-content__image\" data-url=\"https:\/\/pgw.worldjournal.com\/gw\/photo.php?u=https:\/\/uc.udn.com.tw\/photo\/t3\/2026\/11\/04\/35484556.jpg&amp;M=1&amp;s=Y&amp;x=0&amp;y=0&amp;sw=1280&amp;sh=960&amp;sl=W&amp;fw=800&amp;exp=3600&amp;q=75\" style=\"--bg-image:url('https:\/\/pgw.worldjournal.com\/gw\/photo.php?u=https:\/\/uc.udn.com.tw\/photo\/t3\/2026\/11\/04\/35484556.jpg&amp;M=1&amp;s=Y&amp;x=0&amp;y=0&amp;sw=1280&amp;sh=960&amp;sl=W&amp;fw=800&amp;exp=3600&amp;q=75')\">\n\t<picture><source data-srcset=\"https:\/\/pgw.worldjournal.com\/gw\/photo.php?u=https:\/\/uc.udn.com.tw\/photo\/t3\/2026\/11\/04\/35484556.jpg&amp;M=1&amp;s=Y&amp;x=0&amp;y=0&amp;sw=1280&amp;sh=960&amp;sl=W&amp;fw=800&amp;exp=3600&amp;q=75&amp;nt=1\" type=\"image\/webp\"><\/source><source data-srcset=\"https:\/\/pgw.worldjournal.com\/gw\/photo.php?u=https:\/\/uc.udn.com.tw\/photo\/t3\/2026\/11\/04\/35484556.jpg&amp;M=1&amp;s=Y&amp;x=0&amp;y=0&amp;sw=1280&amp;sh=960&amp;sl=W&amp;fw=800&amp;exp=3600&amp;q=75\" type=\"image\/jpeg\"><\/source><br \/>\n\t\t<img decoding=\"async\" alt=\"\u7236\u6bcd\u628a\u5b69\u5b50\u540d\u5b57\u52a0\u5165\u806f\u540d\u5e33\u6236\u4e0d\u6703\u7522\u751f\u8d08\u8207\u7a05\uff0c\u4f46\u5b69\u5b50\u5982\u679c\u5f9e\u5e33\u6236\u63d0\u6b3e\u505a\u70ba\u500b\u4eba\u82b1\u7528\uff0c\u570b\u7a05...\" class=\"lazyload\" src=\"https:\/\/pgw.worldjournal.com\/gw\/photo.php?u=https:\/\/uc.udn.com.tw\/photo\/t3\/2026\/11\/04\/35484556.jpg&amp;M=1&amp;s=Y&amp;x=0&amp;y=0&amp;sw=1280&amp;sh=960&amp;sl=W&amp;fw=800&amp;exp=3600&amp;q=75\">\n\t<\/picture><figcaption>\u7236\u6bcd\u628a\u5b69\u5b50\u540d\u5b57\u52a0\u5165\u806f\u540d\u5e33\u6236\u4e0d\u6703\u7522\u751f\u8d08\u8207\u7a05\uff0c\u4f46\u5b69\u5b50\u5982\u679c\u5f9e\u5e33\u6236\u63d0\u6b3e\u505a\u70ba\u500b\u4eba\u82b1\u7528\uff0c\u570b\u7a05\u5c40\u5c31\u6703\u8a8d\u5b9a\u5c6c\u65bc\u8d08\u8207\u884c\u70ba\u3002(\u793a\u610f\u5716\uff0c\u7f8e\u806f\u793e)<\/figcaption><\/figure>\n<p><!-- #Location: \/inc\/content\/story\/article_bigimage --><br \/>\n\t\t\t\t\t<!--0--><\/p>\n<section class=\"ai_content_block\" data-ai=\"highlight\">\n<h3 class=\"ai_content_block-subtitle\">AI\u6458\u8981<\/h3>\n<h2 class=\"ai_content_block-title\">\u6587\u7ae0\u6458\u8981\u6574\u7406\uff1a<\/h2>\n<p class=\"ai_content_block-description\">\u7236\u6bcd\u66ff\u5b69\u5b50\u52a0\u5165\u806f\u540d\u5e33\u6236\u591a\u534a\u4e0d\u6703\u7acb\u523b\u8ab2\u8d08\u8207\u7a05\uff0c\u4f46\u5b69\u5b50\u82e5\u63d0\u9322\u81ea\u7528\u5c31\u53ef\u80fd\u88ab\u8996\u70ba\u8d08\u8207\uff0c\u4e14\u5e33\u6236\u5728\u8eab\u6545\u5f8c\u901a\u5e38\u76f4\u63a5\u7531\u806f\u540d\u8005\u7e7c\u627f\u3002<\/p>\n<\/section>\n<p>\n\u8ca1\u7d93\u7db2\u7ad924\/7 Wall St.\u5831\u5c0e\uff0c\u8a31\u591a\u5bb6\u9577\u4ee5\u70ba\u628a\u5b69\u5b50\u540d\u5b57\u52a0\u5230\u7236\u6bcd\u7684\u9280\u884c\u5b58\u6b3e\u5e33\u6236(savings account)\u5c07\u89f8\u767c<a class=\"trigger_tag\" href=\"https:\/\/www.worldjournal.com\/search\/tagging\/8877\/%E5%9C%8B%E7%A8%85%E5%B1%80\" rel=\"154281\"><strong>\u570b\u7a05\u5c40<\/strong><\/a><!-- #Location: \/inc\/content\/story\/media_tag -->(IRS)\u8ffd\u8a0e\u8d08\u8207\u7a05\uff0c\u5176\u5be6\u6839\u64da\u806f\u90a6\u6cd5\u5f8b\u898f\u5b9a\uff0c\u7236\u6bcd\u628a\u5b69\u5b50\u540d\u5b57\u52a0\u5165\u806f\u540d\u5e33\u6236(joint bank account)\u4e0d\u6703\u7522\u751f\u8d08\u8207\u7a05(gift tax)\uff0c\u4f46\u5b69\u5b50\u5982\u679c\u5f9e\u5e33\u6236\u63d0\u6b3e\u505a\u70ba\u500b\u4eba\u82b1\u7528\uff0c\u570b\u7a05\u5c40\u5c31\u6703\u8a8d\u5b9a\u5c6c\u65bc\u8d08\u8207\u884c\u70ba\u3002<\/p>\n<p><!--1--><\/p>\n<p>\n\u5831\u5c0e\u6307\u51fa\uff0c\u628a\u5df2\u6210\u5e74\u5152\u5973\u52a0\u5230\u5b58\u6b3e\u5e33\u6236\u88e1\uff0c\u662f\u8a31\u591a\u5bb6\u5ead\u5728\u7236\u6bcd\u5e74\u9081\u6642\u7684\u4f5c\u6cd5\u3002\u8209\u4f8b\u4f86\u8aaa\uff0c\u5b58\u6b3e\u5e33\u6236\u670940\u842c\u5143\u7684\u6bcd\u89aa\uff0c\u628a\u5152\u5b50\u540d\u5b57\u52a0\u9032\u5e33\u6236\uff0c\u5152\u5b50\u5c31\u80fd\u5e6b\u5fd9\u6bcd\u89aa\u8655\u7406\u652f\u4ed8\u6c34\u96fb\u8cbb\u3001\u623f\u7522\u7a05\u4ee5\u53ca\u91ab\u7642\u5e33\u55ae\u3002\u6bcd\u89aa\u4e26\u672a\u653e\u68c4\u5e33\u6236\u63a7\u5236\u6b0a\uff0c\u53ef\u4ee5\u5728\u4e0d\u8a62\u554f\u5152\u5b50\u7684\u60c5\u6cc1\u4e0b\u63d0\u9818\u5168\u90e8\u5b58\u6b3e\u3002\u5152\u5b50\u900f\u904e\u5e33\u6236\u5e6b\u5fd9\u8655\u7406\u6bcd\u89aa\u5e33\u55ae\uff0c\u5176\u5be6\u662f\u4ee5\u6bcd\u89aa\u7684\u9322\u652f\u4ed8\u6bcd\u89aa\u7684\u5e33\u55ae\u3002<\/p>\n<p><!-- \/1014072\/article_end_video --><\/p>\n<div class=\"article_content_ads_video\" id=\"div-gpt-ad-1694617103692-0\">\n  <script>\n    googletag.cmd.push(function() { googletag.display('div-gpt-ad-1694617103692-0'); });\n  <\/script>\n<\/div>\n<p><!-- \/1014072\/Mobile_ROS_Box_01 --><br \/>\n<!-- \n\n<div class=\"udn-ads-300x250--border inline-ads\">\n\n<div class=\"udn-ads udn-ads-300x250 mobile-ads\" id='div-gpt-ad-1597625858367-1'> --><\/p>\n<div class=\"udn-ads-300x250--border inline-ads\">\n<div class=\"udn-ads udn-ads-300x250 mobile-ads\" id=\"ads-inline\">\n  <script>\n    googletag.cmd.push(function() { googletag.display('ads-inline'); });\n  <\/script>\n<\/div>\n<div id=\"underlay-checkpoint\"><\/div>\n<\/div>\n<p><!--2--><\/p>\n<p>\n\u6839\u64da\u806f\u90a6\u6cd5\u5f8b\u8d08\u8207\u898f\u5b9a\uff0c\u55ae\u7d14\u628a\u5b69\u5b50\u540d\u5b57\u52a0\u9032\u806f\u540d\u5e33\u6236\u4e26\u4e0d\u6703\u7522\u751f\u8d08\u8207\u7a05\uff0c\u4f46\u5982\u679c\u5b69\u5b50\u5f9e\u5e33\u6236\u63d0\u9322\u505a\u70ba\u500b\u4eba\u82b1\u8cbb\uff0c\u63d0\u9818\u91d1\u984d\u5c31\u5c6c\u65bc\u8d08\u8207(gift)\u3002<\/p>\n<p><!--3--><\/p>\n<p>\n\u7236\u6bcd\u628a\u5b69\u5b50\u52a0\u9032\u806f\u540d\u5e33\u6236\u5fc5\u9808\u6ce8\u610f\u7684\u91cd\u9ede\u5305\u62ec\uff1a<\/p>\n<p><!--4--><\/p>\n<p>\n\uff0a\u4fdd\u7559\u532f\u6b3e\u7d00\u9304\u8b49\u660e\u5e33\u6236\u91d1\u9322\u51fa\u5165\u6d41\u5411<\/p>\n<\/p>\n<p>\n\uff0a\u5e33\u6236\u82b1\u8cbb\u50c5\u9650\u7528\u65bc\u5bb6\u9577\u7684\u652f\u51fa<\/p>\n<\/p>\n<p>\n\uff0a\u5982\u679c\u7236\u6bcd\u8981\u70ba\u5b69\u5b50\u63d0\u4f9b\u8d08\u8207\u5247\u53e6\u5916\u9032\u884c<\/p>\n<\/p>\n<p>\n\uff0a\u5982\u679c\u5e33\u6236\u63d0\u6b3e\u69cb\u6210\u8d08\u8207\uff0c\u8981\u5411\u570b\u7a05\u5c40\u63d0\u4ea4Form 709\u8868\u683c\u3002<\/p>\n<p><!--5--><\/p>\n<p>\n\u5728\u8d08\u8207\u5c1a\u672a\u767c\u751f\u7684\u60c5\u6cc1\u4e0b\uff0c\u5e33\u6236\u9918\u984d\u5728\u6301\u6709\u5e33\u6236\u7684\u5bb6\u9577\u904e\u4e16\u6642\u5c07\u5168\u90e8\u8a08\u5165\u61c9\u7a05\u907a\u7522(taxable estate)\u3002<\/p>\n<p><!--6--><\/p>\n<p>\n\u5831\u5c0e\u6307\u51fa\uff0c\u806f\u540d\u5e33\u6236\u8f03\u68d8\u624b\u7684\u90e8\u5206\u6d89\u53ca\u751f\u5b58\u8005\u8ca1\u7522\u6b0a(survivorship)\u3002<\/p>\n<p><!--7--><\/p>\n<p>\n\u4ee5\u4e0a\u8ff0\u6848\u5b50\u4f86\u8aaa\uff0c\u6bcd\u89aa\u904e\u4e16\u6642\u5e33\u6236\u901a\u5e38\u76f4\u63a5\u6b78\u7d66\u806f\u540d\u6236\u982d\u88e1\u7684\u5152\u5b50\uff0c\u6548\u529b\u51cc\u99d5\u65bc\u907a\u56d1\u3002\u5373\u4f7f\u6bcd\u89aa\u907a\u56d1\u6307\u793a\u6240\u6709\u8ca1\u7522\u7531\u4e09\u500b\u5b69\u5b50\u5747\u5206\uff0c\u806f\u540d\u5e33\u6236\u9084\u662f\u53ea\u7531\u806f\u540d\u6236\u982d\u7684\u5152\u5b50\u7368\u6709\u3002\u5982\u679c\u5152\u5b50\u5f8c\u4f86\u8ddf\u624b\u8db3\u5206\u4eab\u5e33\u6236\u8cc7\u91d1\uff0c\u5247\u5c07\u8996\u540c\u8d08\u8207\uff0c\u89f8\u767c\u5176\u4ed6\u624b\u8db3\u7684\u7533\u5831\u7fa9\u52d9\u3002<\/p>\n<p><!--8--><\/p>\n<p>\n\u8a31\u591a\u9280\u884c\u5247\u5141\u8a31\u5ba2\u6236\u70ba\u5e33\u6236\u8a2d\u7acb\u4ee3\u7406\u4eba\u6216\u4fbf\u5229\u7c3d\u7f72\u4eba(convenience signer)\uff0c\u53ef\u4ee5\u5e6b\u5fd9\u958b\u652f\u7968\u3001\u8f49\u5e33\uff0c\u4f46\u4e0d\u5177\u5099\u4efb\u4f55\u751f\u5b58\u8005\u8ca1\u7522\u6b0a\u3002\u6301\u4e45\u6388\u6b0a\u59d4\u8a17\u66f8(durable power of attorney)\u4e5f\u80fd\u767c\u63ee\u985e\u4f3c\u4f5c\u7528\uff0c\u8b93\u8cc7\u91d1\u4f9d\u7167\u907a\u56d1\u5206\u914d\uff0c\u4f46\u5404\u5dde\u6cd5\u5f8b\u8207\u5404\u5bb6\u9280\u884c\u898f\u5b9a\u4e0d\u540c\u3002<\/p>\n<p><!--9--><\/p>\n<p>\n\u623f\u5c4b\u7684\u72c0\u6cc1\u5247\u8207\u9280\u884c\u5e33\u6236\u4e0d\u540c\u3002\u7236\u6bcd\u628a\u5b69\u5b50\u52a0\u9032\u623f\u5c4b\u5730\u5951(deed)\u6240\u6709\u6b0a\u7684\u7576\u5929\uff0c\u4e00\u7c3d\u5b57\u4fbf\u5c07\u89f8\u767c\u623f\u5c4b\u50f9\u503c\u4e00\u534a\u7684\u8d08\u8207\u3002<\/p>\n<p><!--10--><\/p>\n<p><figure class=\"article-content__image--story article-content__image--middle\" data-url=\"https:\/\/pgw.worldjournal.com\/gw\/photo.php?u=https:\/\/uc.udn.com.tw\/photo\/t3\/2026\/11\/04\/35484555.jpg&amp;M=1&amp;s=Y&amp;x=0&amp;y=0&amp;sw=1280&amp;sh=907&amp;sl=W&amp;fw=800&amp;exp=3600&amp;q=75\">\n\t<picture><source data-srcset=\"https:\/\/pgw.worldjournal.com\/gw\/photo.php?u=https:\/\/uc.udn.com.tw\/photo\/t3\/2026\/11\/04\/35484555.jpg&amp;M=1&amp;s=Y&amp;x=0&amp;y=0&amp;sw=1280&amp;sh=907&amp;sl=W&amp;fw=800&amp;exp=3600&amp;q=75&amp;nt=1\" type=\"image\/webp\"><\/source><source data-srcset=\"https:\/\/pgw.worldjournal.com\/gw\/photo.php?u=https:\/\/uc.udn.com.tw\/photo\/t3\/2026\/11\/04\/35484555.jpg&amp;M=1&amp;s=Y&amp;x=0&amp;y=0&amp;sw=1280&amp;sh=907&amp;sl=W&amp;fw=800&amp;exp=3600&amp;q=75\" type=\"image\/jpeg\"><\/source><br \/>\n\t\t<img decoding=\"async\" alt=\"\u628a\u5df2\u6210\u5e74\u5152\u5973\u52a0\u5230\u7236\u6bcd\u7684\u5b58\u6b3e\u5e33\u6236\u88e1\uff0c\u5152\u5973\u5c31\u80fd\u5e6b\u5fd9\u7236\u6bcd\u652f\u4ed8\u5404\u7a2e\u5e33\u55ae\u3002(\u7f8e\u806f\u793e)\" class=\"lazyload\" src=\"https:\/\/pgw.worldjournal.com\/gw\/photo.php?u=https:\/\/uc.udn.com.tw\/photo\/t3\/2026\/11\/04\/35484555.jpg&amp;M=1&amp;s=Y&amp;x=0&amp;y=0&amp;sw=1280&amp;sh=907&amp;sl=W&amp;fw=800&amp;exp=3600&amp;q=75\">\n\t<\/picture><figcaption>\u628a\u5df2\u6210\u5e74\u5152\u5973\u52a0\u5230\u7236\u6bcd\u7684\u5b58\u6b3e\u5e33\u6236\u88e1\uff0c\u5152\u5973\u5c31\u80fd\u5e6b\u5fd9\u7236\u6bcd\u652f\u4ed8\u5404\u7a2e\u5e33\u55ae\u3002(\u7f8e\u806f\u793e)<\/figcaption><\/figure>\n<p><!-- #Location: \/inc\/content\/story\/media_image -->\n<\/p>\n<\/p>\n<section class=\"ai_content_block\" data-ai=\"faq\">\n<h3 class=\"ai_content_block-subtitle\">\u7cbe\u83ef FAQ<\/h3>\n<ul class=\"ai_content_block_faq\">\n<li class=\"ai_content_block_faq-item\">      <input type=\"checkbox\" name=\"faq\" id=\"faq1\" class=\"ai_content_block-checkbox\"><br \/>\n<h2 class=\"ai_content_block-title\">        <label for=\"faq1\">Q1\uff1a\u628a\u5b69\u5b50\u540d\u5b57\u52a0\u9032\u7236\u6bcd\u9280\u884c\u5b58\u6b3e\u5e33\u6236\uff0c\u6703\u7acb\u523b\u7522\u751f\u8d08\u8207\u7a05\u55ce\uff1f<button class=\"ai_content_block-button\"><\/button><\/label>      <\/h2>\n<div class=\"ai_content_block-answer\">\n<p class=\"ai_content_block-description\">\u901a\u5e38\u4e0d\u6703\u3002\u806f\u90a6\u6cd5\u5f8b\u4e0b\uff0c\u55ae\u7d14\u628a\u5b69\u5b50\u52a0\u9032\u806f\u540d\u5e33\u6236\u672c\u8eab\u4e0d\u69cb\u6210\u8d08\u8207\u7a05\u4e8b\u4ef6\uff1b\u771f\u6b63\u53ef\u80fd\u88ab\u8a8d\u5b9a\u70ba\u8d08\u8207\u7684\u662f\uff0c\u5b69\u5b50\u65e5\u5f8c\u628a\u5e33\u6236\u8cc7\u91d1\u62ff\u53bb\u505a\u81ea\u5df1\u7684\u82b1\u8cbb\u3002<\/p>\n<\/p><\/div>\n<\/li>\n<li class=\"ai_content_block_faq-item\">      <input type=\"checkbox\" name=\"faq\" id=\"faq2\" 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