新婚夫妻也需要遗产规划 Why Newlyweds Need Estate Planning Too
- The Shi Law Group 熙承律师事务所
- 1 day ago
- 4 min read
很多人认为，遗产规划（Estate Planning）或财富传承规划（Wealth Transfer Planning）只有在年纪大、积累了资产、或有了孩子之后才需要考虑。但事实上，刚刚步入婚姻的年轻夫妻，更应该在早期阶段做好规划。
Marriage is a joyful milestone — but it also marks the beginning of new financial and legal responsibilities. Many newlyweds believe estate planning is only for older adults or wealthy families, but in reality, planning early is one of the most loving and responsible steps you can take for your partner and family.
【问题解析 Problem Analysis】
假设你和伴侣刚刚结婚，没有孩子，也没有太多资产。你可能会想：“现在做遗嘱或信托，会不会太早？”但如果你完全没有留下任何文件，出现意外时，法律将自动决定你的财产归属。
在大多数州，如果你没有遗嘱：
你的配偶将成为主要继承人；
如果你希望照顾父母或特定家人，而没有文件说明，他们将无法得到任何分配；
如果双方同时遭遇意外，法院将介入并决定继承人，过程可能漫长而复杂。
Imagine you and your spouse are newly married, with no children or major assets yet. You might think, “Do we really need a will?” But without one, the law decides for you.
In most states:
Your spouse automatically inherits your estate;
Your parents or loved ones receive nothing unless specified;
If both spouses pass away together, the court will step in to determine who inherits — often leading to delays and confusion.
【解决方案 Solution】
无论资产多寡，立下清晰的文件都能让您更安心。对于新婚夫妻来说，以下几项是最基础的财富传承规划：
遗嘱（Will）：说明您的财产应如何分配。若希望部分财产照顾父母、兄弟姐妹或其他亲人，可以在遗嘱中明确指明。
信托（Trust）：即使目前资产不多，信托可以帮助您在未来积累财富时，提前建立好框架，让资产传承更高效、安全。
授权文件（Power of Attorney & Health Care Proxy）：万一出现突发状况（如医疗决定或财务事务），这些文件能确保您信任的人在您无法决策时，代为处理事务。
No matter how much you own, clarity brings peace of mind. For newlyweds, consider the following essentials:
Will – Specify how your assets should be distributed and who should be responsible for managing them.
Trust – Even with modest assets, a trust provides flexibility and long-term protection as your wealth grows.
Power of Attorney & Health Care Proxy – Ensure someone you trust can handle financial or medical matters if you are unable to.
【风险提醒 Risk Reminder】
很多年轻夫妻忽略遗产规划，是因为觉得“现在还早”。但风险往往在于“未准备”：
突发事件可能让家人陷入财务和情感上的困境；
法院程序（Probate）会拖延资产分配；
若双方同时出事，孩子或父母的权益可能无人保护。
Young couples often postpone estate planning, thinking it’s “too early.”But the real risk lies in being unprepared:
Unexpected events can leave your loved ones in financial or emotional hardship;
Probate delays asset distribution;
If both spouses pass away, parents or future children may face uncertainty and legal complications.
【律所小贴士 From The Shi Law Group】
婚姻不仅是感情的结合，也是责任与规划的开始。无论您处在人生的哪个阶段，提前做好财富传承安排，都是对彼此最温柔的守护。就像购买一份人寿保险，做完之后可以安心搁置，却能在关键时刻保护最重要的人。
Marriage marks not just a union of love, but also of responsibility. At The Shi Law Group, we remind couples that early estate planning is a form of care — a promise that your loved ones will always be protected, no matter what happens.
【联系我们 Contact Us】
熙承律师事务所（The Shi Law Group, PLLC）专注于家庭财富传承、遗产规划、信托、遗嘱、婚前协议与跨境资产规划等。我们为纽约州和新泽西州的华人家庭提供专业、细致且富有关怀的法律服务。若您在结婚、离婚或同居安排上有疑问，欢迎随时联系我们进行咨询与规划。
The Shi Law Group, PLLC focuses on family wealth transfer, estate planning, trusts, wills, prenuptial agreements, and cross-border asset planning. We provide professional, attentive, and compassionate legal services to Chinese families in New York and New Jersey. If you have questions about marriage, divorce, or cohabitation planning, please contact us for consultation.
📧 邮箱 Email: info@mshilaw.com
📞 电话 Phone: +1 (917) 720-6943
🏢 地址 Address: 500 Old Country Rd, Suite 302, Garden City, NY 11530
如需预约咨询，请通过电话、电子邮件或在我们网站上提交预约请求。我们将安排有相关经验的律师与您沟通。
To schedule a consultation, contact us by phone, email, or book through our website. We will arrange for an experienced attorney to speak with you.
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