{"id":48802,"date":"2025-10-09T14:46:06","date_gmt":"2025-10-09T18:46:06","guid":{"rendered":"https:\/\/www.presbyterianfoundation.org\/?p=48802"},"modified":"2025-10-02T14:49:44","modified_gmt":"2025-10-02T18:49:44","slug":"%ea%b5%90%ed%9a%8c%ec%97%90-%ec%a0%81%ed%95%a9%ed%95%9c-%ea%b7%9c%eb%aa%a8%ec%9d%98-%ea%b3%84%ed%9a%8d%eb%90%9c-%ea%b8%b0%eb%b6%80-%ed%94%84%eb%a1%9c%ea%b7%b8%eb%9e%a8-%eb%a7%8c%eb%93%a4%ea%b8%b0","status":"publish","type":"post","link":"https:\/\/www.presbyterianfoundation.org\/ko\/resources\/news\/create-a-right-sized-planned-giving-program-for-your-church\/","title":{"rendered":"\uad50\ud68c\uc5d0 \uc801\ud569\ud55c \uaddc\ubaa8\uc758 \uacc4\ud68d\ub41c \uae30\ubd80 \ud504\ub85c\uadf8\ub7a8 \ub9cc\ub4e4\uae30"},"content":{"rendered":"<p>\uad50\uc778\ub4e4\uc5d0\uac8c \uc790\uc2e0\uc774 \uc8fd\uc5c8\uc744 \ub54c \uc5b4\ub5bb\uac8c \uae30\uc5b5\ub418\uace0 \uc2f6\uc740\uc9c0, \uc720\uc0b0 \uacc4\ud68d\uc5d0 \uad50\ud68c\ub97c \ud3ec\ud568\uc2dc\ud0ac \uac83\uc778\uc9c0\uc5d0 \ub300\ud574 \uc774\uc57c\uae30\ud558\ub294 \uac83\uc740 \ubb34\uac70\uc6b4 \uc77c\uc774\uc9c0\ub9cc, \ub9ce\uc740 \uc0ac\ub78c\ub4e4\uc774 \uc790\uc2e0\uc758 \uc784\uc885 \uacc4\ud68d\uc744 \uccb4\uacc4\ud654\ud558\uace0 \uc720\uc0b0\uc744 \ub0a8\uae30\uae30 \uc704\ud574 \ud558\uace0 \uc2f6\uc5b4 \ud558\ub294 \ub300\ud654\uc785\ub2c8\ub2e4.<\/p>\n<p>\uce7c \ub9e4\ud2f0\uc2a8\uc740 <a href=\"https:\/\/www.presbyterianfoundation.org\/ko\/\">\uc7a5\ub85c\uad50 \uc7ac\ub2e8<\/a> \uc758 \ubd80\uc0ac\uc7a5\uc73c\ub85c <a href=\"https:\/\/www.presbyterianfoundation.org\/ko\/%ea%b8%b0%eb%b6%80%ed%95%98%eb%8a%94-%eb%b0%a9%eb%b2%95\/%ec%9c%a0%ec%96%b8%ec%9e%a5-%ec%9c%a0%ec%82%b0-%ea%b8%b0%eb%b6%80\/\">\uacc4\ud68d \uae30\ubd80 \ub9ac\uc18c\uc2a4<\/a> \uadf8\ub9ac\uace0 \uacc4\ud68d \uae30\ubd80 \ub0b4\ube44\uac8c\uc774\ud130 \ud504\ub85c\uadf8\ub7a8\uc5d0 \ub300\ud574 \uc124\uba85\ud588\uc2b5\ub2c8\ub2e4. \uadf8\ub294 \ub274\uc62c\ub9ac\uc5b8\uc2a4\uc5d0\uc11c \uc5f4\ub9b0 \uc2a4\ud29c\uc5b4\ub4dc\uc2ed \ub9cc\ud654\uacbd 2025 \uc6cc\ud06c\uc20d\uc5d0\uc11c \uc740\ud589\uac00\uc774\uc790 \uc7ac\ub2e8 \ub9ac\ub354\ub85c\uc11c \uc790\uc2e0\uc758 \uacbd\ud5d8\uc744 \uacf5\uc720\ud588\uc2b5\ub2c8\ub2e4. \uc5f0\ub840 \ucee8\ud37c\ub7f0\uc2a4\ub294 <a href=\"http:\/\/www.pcusa.org\">\ubbf8\uad6d \uc7a5\ub85c\uad50\ud68c(\ubbf8\uad6d<\/a>) \ubc0f <a href=\"http:\/\/www.elca.org\">\ubbf8\uad6d \ubcf5\uc74c\uc8fc\uc758 \ub8e8\ud130\uad50\ud68c<\/a>.<\/p>\n<p>\ub9e4\ud2f0\uc2a8\uc740 \uac15\ub825\ud55c \uadf8\ub798\ud53d\uacfc \uc5f0\uad6c\ub97c \ud1b5\ud574 \uc138\ub300\uc640 \uae30\ubd80\uc5d0 \ub300\ud55c \uc77c\ubc18\uc801\uc778 \uc778\uc2dd\uc5d0 \ubc18\ubc15\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uacc4\ud68d \uae30\ubd80\ub294 \uc720\uc0b0 \uae30\ubd80\ub77c\uace0\ub3c4 \ud558\ub294 \uacc4\ud68d \uae30\ubd80\ub97c \ud1b5\ud574 \uc9c0\uae08 \uc900\ube44\ud558\uc9c0\ub9cc \ub098\uc911\uc5d0 \ubd84\ubc30\ub418\ub294 \uae30\ubd80\ub97c \ud558\ub294 \ud504\ub85c\uc138\uc2a4\uc785\ub2c8\ub2e4. \uc77c\ubc18\uc801\uc73c\ub85c \uc720\uc5b8\uc7a5\uc774\ub098 \uc2e0\ud0c1\uc744 \ud1b5\ud574 \uae30\ubd80\ud558\ub294 \uacc4\ud68d \uae30\ubd80\ub294 \uae30\ubd80\uc790\uac00 \uc0ac\ub9dd\ud560 \ub54c \uc774\ub8e8\uc5b4\uc9d1\ub2c8\ub2e4.<\/p>\n<p>\"\uc774\uac83\uc740 \uc81c\uac00 \ud3c9\uc0dd \ubc1b\uc744 \uc218 \uc788\ub294 \uac00\uc7a5 \ud070 \uc120\ubb3c\uc785\ub2c8\ub2e4.\"\ub77c\uace0 \uadf8\ub294 \ub9d0\ud588\uc2b5\ub2c8\ub2e4. \"\uc5b8\uc820\uac00\ub294 \uc6b0\ub9ac \ubaa8\ub450 \uc8fd\uac8c \ub420 \uac83\uc785\ub2c8\ub2e4. \uc720\uc0b0 \uacc4\ud68d\uc740 \uc800\uc5d0\uac8c \ud070 \uc758\ubbf8\uac00 \uc788\uace0, \uc81c\uac00 \ub108\ubb34 \uc544\ub07c\uace0, \uc7a0\uc744 \uc790\ub2e4\uac00\ub3c4 \uac71\uc815\ud560 \uc815\ub3c4\ub85c \uc911\uc694\ud55c \uac83\uc744 \ub9d0\ud558\ub294 \uac83\uc774\uba70, \uc800\uc5d0\uac8c \uac00\uc7a5 \ud070 \ubcc0\ud654\ub97c \uc8fc\ub294 \uc120\ubb3c\uc785\ub2c8\ub2e4.\"<\/p>\n<p>\ub300\ubd80\ubd84\uc758 \uac00\uc815\uc5d0\uc11c \ucd1d \uc790\uc0b0\uc758 \uc57d 51%\ub294 \uc77c\uc0c1\uc801\uc778 \uad6c\ub9e4\ub098 \uc790\uc120 \uae30\ubd80\uc5d0 \uc27d\uac8c \uc0ac\uc6a9\ud560 \uc218 \uc788\ub294 \ud615\ud0dc\uc785\ub2c8\ub2e4. \ub098\uba38\uc9c0 95%\uc758 \uc790\uc0b0\uc740 \uc800\ucd95, \ud22c\uc790, \uc8fc\ud0dd \uac00\uce58, \uc790\ub3d9\ucc28, \ud568\uaed8 \uc0ac\ub294 \uac00\uad6c, \ud2b9\uc815 \uc5f0\ub839\uc774 \ub420 \ub54c\uae4c\uc9c0 \ud65c\uc6a9\ud560 \uc218 \uc5c6\ub294 IRA\uc5d0 \ubb36\uc5ec \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\"\uc5b8\uc820\uac00\ub294 \uc6b0\ub9ac \ubaa8\ub450\uac00 \ub098\uba38\uc9c0 95%\ub97c \ubaa8\ub450 \ucc44\uc6b0\uac8c \ub420 \uac83\uc785\ub2c8\ub2e4.\"\ub77c\uace0 \uadf8\ub294 \ub9d0\ud558\uba70, \uadf8\ub54c\uac00 \ubc14\ub85c \uacc4\ud68d \uae30\ubd80\uac00 \ud544\uc694\ud55c \uc2dc\uc810\uc774\ub77c\uace0 \ub9d0\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub9e4\ud2f0\uc2a8\uc740 \ub300\ubd80\ubd84\uc758 \uacc4\ud68d \uae30\ubd80\uc790\uac00 \ucc98\uc74c\uc73c\ub85c \uacc4\ud68d \uae30\ubd80\ub97c \ud558\ub294 \uc2dc\uae30\uc778 45~65\uc138\ub97c \ub300\uc0c1\uc73c\ub85c \uc7a5\ub85c\uad50\ud68c\uc758 \uacc4\ud68d \uae30\ubd80 \ud504\ub85c\uadf8\ub7a8\uc744 \uc6b4\uc601\ud560 \uac83\uc744 \uc81c\uc548\ud588\uc2b5\ub2c8\ub2e4. 80\ub300\uac00 \ub420 \ub54c\uae4c\uc9c0 \uae30\ub2e4\ub9ac\uc9c0 \ub9d0\ub77c\uace0 \uadf8\ub294 \ub9d0\ud558\uba70, \uadf8\ub54c\ub294 \uc774\ubbf8 \uc720\uc5b8\uc7a5\uc744 \uc791\uc131\ud558\uace0 \uc7ac\uc0b0 \ubc30\ubd84 \ubc29\ubc95\uc744 \uacb0\uc815\ud55c \ud6c4\uc774\ubbc0\ub85c \ub108\ubb34 \ub2a6\uc744 \uac00\ub2a5\uc131\uc774 \ub192\ub2e4\uace0 \ub9d0\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc5f0\uad6c\uc5d0 \ub530\ub974\uba74 \uc790\uc120 \ub2e8\uccb4\uc5d0 \uc720\uc0b0\uc744 \ub0a8\uae30\ub294 \uc0ac\ub78c\uc740 \uc57d 5%\uc5d0 \ubd88\uacfc\ud558\uc9c0\ub9cc, 28%\ub294 \uc694\uccad\uc744 \ubc1b\uac70\ub098 \uc54c\ub9bc\uc744 \ubc1b\uc73c\uba74 \uc720\uc0b0\uc744 \ub0a8\uae38 \uc758\ud5a5\uc774 \uc788\ub2e4\uace0 \ud569\ub2c8\ub2e4.<\/p>\n<p>\ub610 \ub2e4\ub978 \uc0ac\uc2e4: \uacc4\ud68d\ub41c \uae30\ubd80\ub294 \ud55c \uc0ac\ub78c\uc774 \ud3c9\uc0dd \ud3c9\uade0 \uc57d 2.74\ud68c \uae30\ubd80\ud569\ub2c8\ub2e4.<\/p>\n<p>\uadf8\ub9ac\uace0 \ud5cc\uae08\uc744 \uacc4\ud68d\ud558\ub294 \ud68c\uc6d0\ub4e4\uc774 \ub9e4\ub144 \ud5cc\uae08 \uc561\uc218\ub97c \uc904\uc77c \uac83\uc774\ub77c\ub294 \uac83\uc740 \uad50\ud68c\uc5d0\uc11c \ud754\ud788 \uc6b0\ub824\ud558\ub294 \ubd80\ubd84\uc785\ub2c8\ub2e4. \ub9e4\ud2f0\uc2a8\uc740 \uadf8\ub807\uc9c0 \uc54a\ub2e4\uace0 \ub9d0\ud569\ub2c8\ub2e4. \uacc4\ud68d \uae30\ubd80\ub294 \uc5f0\uac04 \ud5cc\uae08\uc5d0 \ud574\ub97c \ub07c\uce58\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \uc2e4\uc81c\ub85c \ub204\uad70\uac00\uac00 \uacc4\ud68d \uae30\ubd80\ub97c \ud55c \ud6c4\uc5d0\ub294 \uc5f0\uac04 \ud5cc\uae08\uc774 75% \uc99d\uac00\ud558\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uad50\ud68c\uc5d0 \uc544\uc9c1 \uacc4\ud68d \uae30\ubd80\uc5d0 \ub300\ud574 \uc131\ub3c4\ub4e4\uacfc \uc774\uc57c\uae30\ud560 \uc218 \uc788\ub294 \ud504\ub85c\uadf8\ub7a8\uc774 \ub9c8\ub828\ub418\uc5b4 \uc788\uc9c0 \uc54a\ub2e4\uba74 Mattison\uc740 \ub2e4\uc74c\uacfc \uac19\uc740 \ud575\uc2ec \uc0ac\ud56d\uc744 \uacf5\uc720\ud588\uc2b5\ub2c8\ub2e4:<\/p>\n<ul>\n<li>\uacc4\ud68d\ub41c \uc120\ubb3c\uc740 \ub300\ubd80\ubd84 \uadf8 \uc0ac\ub78c\uc758 \uc778\uc0dd\uc5d0\uc11c \uac00\uc7a5 \ud070 \uc120\ubb3c\uc774 \ub429\ub2c8\ub2e4.<\/li>\n<li>\uae30\ubd80\uc790\ub294 \uc0dd\uac01\ubcf4\ub2e4 \uc80a\ub2e4<\/li>\n<li>\ub354 \ub9ce\uc740 \uad50\ud68c\uac00 \uacc4\ud68d\ub41c \uc120\ubb3c\uc744 \ubc1b\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<li>\uacc4\ud68d \ud5cc\uae08\uc740 \ubbf8\uad6d \uc7a5\ub85c\uad50\ud68c\uc5d0\uc11c \uc720\uc77c\ud558\uac8c \uc99d\uac00\ud558\ub294 \uc218\uc785 \ubc94\uc8fc\uc785\ub2c8\ub2e4.<\/li>\n<li>\uacc4\ud68d \uae30\ubd80\ub97c \ud1b5\ud574 \uc5f0\uac04 \uae30\ubd80\uc561 \uc99d\uac00<\/li>\n<li>\ub300\ubd80\ubd84\uc758 \uad50\ud68c\uc5d0\uc11c \uacc4\ud68d \uae30\ubd80\ub294 \uc0ac\ub78c\ub4e4\uc774 \uad50\ud68c\uc640 \ud604\uc7ac\uc640 \uc601\uc6d0\uc744 \uc5f0\uacb0\ud560 \uc218 \uc788\ub3c4\ub85d \ub3d5\ub294 \ube44\uad50\uc801 \uc798 \uc54c\ub824\uc9c0\uc9c0 \uc54a\uc740 \ubc29\ubc95\uc785\ub2c8\ub2e4.<\/li>\n<\/ul>\n<p>\ud558\uc9c0\ub9cc \uc774\ub7ec\ud55c \uae30\ud68c\uc5d0\ub3c4 \ubd88\uad6c\ud558\uace0 \uad50\ud68c\ub294 \uc790\uc120 \uae30\uae08 \ub9c8\ub828\uc744 \uc704\ud55c \uacbd\uc7c1\uc774 \uce58\uc5f4\ud574\uc9c0\uace0 \uc788\ub2e4\uace0 \uadf8\ub294 \ub9d0\ud588\uc2b5\ub2c8\ub2e4. \ub300\ubd80\ubd84\uc758 \ub300\ud559\uc5d0\ub294 \ub3d9\ubb38\ub4e4\uc5d0\uac8c \uc5f0\ub77d\ud558\uc5ec \ud559\uad50\ub97c \uc720\uc0b0 \uacc4\ud68d\uc5d0 \ud3ec\ud568\uc2dc\ucf1c \ub2ec\ub77c\uace0 \uc694\uccad\ud558\ub294 \uc804\ub2f4 \ubd80\uc11c\uac00 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub300\ubd80\ubd84\uc758 \uad50\ud68c\uc5d0\uc11c \"\uc6b0\ub9ac\uc758 \uc804\ub7b5\uc740 \uacbd\uc7c1\uc774 \uc5c6\uc5c8\uc744 \ub54c\uc640 \uc80a\uace0 \ub2e8\uc21c\ud588\uc744 \ub54c\uc640 \ubcc0\ud558\uc9c0 \uc54a\uc558\uc2b5\ub2c8\ub2e4... \uad50\ud68c\uc758 \uacbd\uc7c1\ub825\uc740 \ub9e4\uc8fc \uccad\uc911\uc774 \uad50\ud68c \uc548\uc5d0\uc11c \ubaa8\uc774\ub294 \uac83\uc785\ub2c8\ub2e4.\"\ub77c\uace0 Mattison\uc740 \ub9d0\ud569\ub2c8\ub2e4.<\/p>\n<p>\uadf8\ub294 \uc2a4\ud29c\uc5b4\ub4dc\uc2ed \ud300\uc774 \uccad\uc911\uc744 \uc555\ub3c4\ud558\uac70\ub098 \uc131\uac00\uc2dc\uac8c \ud558\uc9c0 \uc54a\ub294 \uc77c\uc815\ud55c \uac04\uaca9\uc758 \uba54\uc2dc\uc9c0\ub85c \uc5f0\uac04 \uacc4\ud68d\uc744 \uc138\uc6b8 \uac83\uc744 \uad8c\uc7a5\ud588\uc2b5\ub2c8\ub2e4. \uc5ec\uae30\uc5d0\ub294 \ub2e4\uc74c\uc774 \ud3ec\ud568\ub418\uc5b4\uc57c \ud569\ub2c8\ub2e4:<\/p>\n<ul>\n<li>\ub9e4\uc6d4 \uac8c\uc2dc\ud310, \uc774\uba54\uc77c \ub610\ub294 \uc18c\uc15c \ubbf8\ub514\uc5b4\ub97c \ud1b5\ud574 \uacc4\ud68d\ub41c \uc120\ubb3c\uc758 \ud61c\ud0dd\uacfc \uac04\ud3b8\ud568\uc5d0 \ub300\ud55c 12\uac00\uc9c0 \uc548\ub0b4\ubb38 \uacf5\uc720<\/li>\n<li>\uadf8 \uacfc\uc815\uacfc \uad50\ud68c \ub610\ub294 \uc7a5\ub85c\uad50 \uc7ac\ub2e8\uc774 \uc5b4\ub5bb\uac8c \ub3c4\uc6b8 \uc218 \uc788\ub294\uc9c0\uc5d0 \ub300\ud55c 4\uac00\uc9c0 \uc9e7\uc740 \uae30\uc0ac<\/li>\n<li>2 \ud2b9\ubcc4 \uc774\ubca4\ud2b8 \ub610\ub294 \uc18c\uadf8\ub8f9 \ubaa8\uc784\uc5d0 \ub300\ud55c \uacf5\uc9c0\uc0ac\ud56d\uc73c\ub85c \uc790\uc138\ud55c \uc815\ubcf4 \ud655\uc778<\/li>\n<li>1 \uc720\uc0b0 \uc77c\uc694\uc77c(\uc77c\ubc18\uc801\uc73c\ub85c 5\uc6d4)\uc5d0 \uacc4\ud68d \uae30\ubd80\uc5d0 \ub300\ud55c \uc790\uc138\ud55c \ub0b4\uc6a9\uacfc \uae30\ubd80\uc790\uc758 \uc720\uc0b0\uacfc\uc758 \uad00\uacc4\uc5d0 \ub300\ud574 \uc790\uc138\ud788 \uacf5\uc720\ud569\ub2c8\ub2e4.<\/li>\n<li>\uadf8\ub9ac\uace0 \ud56d\uc0c1 - \ud56d\uc0c1 - \uad50\ud68c \uc6f9\uc0ac\uc774\ud2b8\uc640 \uc778\uc1c4 \ube0c\ub85c\uc154\ub97c \ud1b5\ud574 \uc815\ubcf4\ub97c \uc81c\uacf5\ud560 \uacc4\ud68d\uc744 \uc138\uc6b0\uc138\uc694.<\/li>\n<\/ul>","protected":false},"excerpt":{"rendered":"<p>It\u2019s a heavy task to talk to church members about how they want to be remembered when they die and if they want to include the church in their estate [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":48803,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[117],"tags":[],"class_list":["post-48802","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news"],"acf":[],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 5.0.3 - aioseo.com -->\n\t<meta name=\"description\" content=\"It\u2019s a heavy task to talk to church members about how they want to be remembered when they die and if they 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