{"id":698,"date":"2019-03-31T05:19:28","date_gmt":"2019-03-31T05:19:28","guid":{"rendered":"https:\/\/www.protectyourlegalrights.com\/?p=698"},"modified":"2019-03-31T05:19:28","modified_gmt":"2019-03-31T05:19:28","slug":"gestionar-un-401k-durante-un-divorcio","status":"publish","type":"post","link":"https:\/\/www.protectyourlegalrights.com\/es\/blog\/dealing-with-a-401k-during-a-divorce\/","title":{"rendered":"Gestionar un 401k durante un divorcio"},"content":{"rendered":"

El proceso de divisi\u00f3n de bienes puede convertirse f\u00e1cilmente en contencioso. A menudo, las partes en un divorcio en Wilmington pueden no comprender completamente por qu\u00e9 ciertos activos se consideran bienes conyugales, y esto puede conducir a la discordia. Uno de estos activos es un 401k. Los que contribuyen a un 401k puede preguntarse por qu\u00e9 tal beneficio (que se debe a sus propios esfuerzos individuales), ser\u00eda un activo compartido. Adem\u00e1s, les puede preocupar que, si retiran una parte de su 401k para d\u00e1rsela a su ex c\u00f3nyuge (antes de que ninguno de los dos alcance la edad de jubilaci\u00f3n), se vean obligados a pagar una multa fiscal.<\/p>\n

Para responder a la primera pregunta, hay que tener en cuenta de d\u00f3nde proceden las aportaciones al plan 401k. Una parte se deduce del salario y el resto suele proceder de las aportaciones de contrapartida de la empresa. El dinero obtenido del salario durante el matrimonio se considera propiedad conyugal. Por tanto, no es de extra\u00f1ar que, dado que las aportaciones al plan 401k proceden de ese dinero, se consideren bienes gananciales.\u00a0bienes conyugales<\/a>.<\/p>\n

Normalmente, los retiros anticipados de un 401k conllevan una penalizaci\u00f3n fiscal (que a menudo puede llegar al 10%). Sin embargo, el divorcio presenta un caso especial. Seg\u00fan\u00a0informaci\u00f3n compartida por CNBC<\/a>Cuando un tribunal dicta una Orden Judicial de Relaciones Dom\u00e9sticas en un caso de divorcio, el beneficiario alternativo de una cuenta de jubilaci\u00f3n (en este caso, el c\u00f3nyuge no contribuyente) puede retirar sus fondos sin ser penalizado.<\/p>\n

Para quienes deseen conservar el valor total de sus 401k,\u00a0el Centro de Ayuda 401k<\/a>\u00a0sugiere una posible soluci\u00f3n: renunciar a sus derechos en un bien conyugal de igual valor a condici\u00f3n de que su ex c\u00f3nyuge renuncie a su parte en el 401k.<\/p>","protected":false},"excerpt":{"rendered":"

The property division process can easily become contentious. Oftentimes, parties to a divorce in Wilmington may not completely comprehend why certain assets would be considered marital property, and this can lead to discord. One such asset is a 401k. Those who contribute to a 401k may wonder why such a benefit (which is due to … <\/p>\n

Seguir leyendo “Dealing with a 401k during a divorce”<\/span><\/a><\/p>","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[16],"tags":[],"class_list":["post-698","post","type-post","status-publish","format-standard","hentry","category-family-law","entry"],"acf":[],"yoast_head":"\nDealing with a 401k during a divorce | Christina Rivenbark & Associates<\/title>\n<meta name=\"description\" content=\"The property division process can easily become contentious. 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