{"id":130540,"date":"2016-12-20T14:28:17","date_gmt":"2016-12-20T22:28:17","guid":{"rendered":"http:\/\/old.newsforchinese.com\/v3\/?p=130540"},"modified":"2016-12-20T14:28:17","modified_gmt":"2016-12-20T22:28:17","slug":"%e5%b9%b4%e5%ba%95%e7%a8%85%e5%8b%99%e5%80%92%e8%a8%88%e6%99%82%ef%bc%9f","status":"publish","type":"post","link":"https:\/\/newsforchinese.com\/v3\/2016\/12\/20\/%e5%b9%b4%e5%ba%95%e7%a8%85%e5%8b%99%e5%80%92%e8%a8%88%e6%99%82%ef%bc%9f\/","title":{"rendered":"\u5e74\u5e95\u7a05\u52d9\u5012\u8a08\u6642\uff1f"},"content":{"rendered":"<p>\u8056\u8a95\u9032\u5165\u5012\u8a08\u6642\uff0c\u60f3\u5fc5\u5927\u5bb6\u90fd\u8208\u596e\u65bc\u8cb7\u79ae\u7269\u9001\u79ae\u7269\u62c6\u79ae\u7269? \u6216\u9676\u9189\u65bc\u70f9\u98ea\u8056\u8a95\u5927\u9910\u800c\u5fd9\u788c\uff1f<!--more-->\u53c8\u6709\u5e7e\u500b\u4eba\u6703\u63d0\u524d\u8003\u616e\u660e\u5e74\u3010\u5831\u7a05\u3011\u9019\u4ef6\u5e74\u5e74\u90fd\u8981\u7533\u5831\u7684\u7169\u5fc3\u4e8b\uff1f<br 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gain.\u8a18\u5f97\u8981\u4fdd\u5b58\u6350\u6b3e\u7684\u6536\u64da\u3002<\/p>\n<p>\u5982\u679c\u4f60\u505a\u5fd7\u9858\u8005\uff0c\u96d6\u7136\u4f60\u6c92\u8fa6\u6cd5\u6e1b\u514d\u4f60\u7684\u6642\u9593\uff0c\u4f46\u662f\u4f60\u53ef\u4ee5\u6e1b\u514d\u4f60\u958b\u8eca\u91cc\u7a0b\u7b49\u81ea\u638f\u8170\u5305\u7684\u958b\u652f\u3002\u56e0\u6b64\uff0c\u518d\u4e09\u63d0\u9192\u4fdd\u5b58\u597d\u6240\u6709\u7684\u6536\u64da\u3002<\/p>\n<p><strong>3. \u76e1\u91cf\u5b58\u6eff\u9000\u4f11\u8cec\u6236<\/strong><\/p>\n<p>\u4e00\u5b9a\u8a18\u5f97\u628a\u516c\u53f8\u7684401k\u653e\u6eff\uff01\u7279\u5225\u662f\u5982\u679c\u516c\u53f8\u6709match contribution\u7684\u60c5\u6cc1\u3002 2016\u5e74\u7a05\u524d\u7684contribution\u53ef\u4ee5\u653e18,000. \u5982\u679c\u8d85\u904e50\u6b72\uff0c\u53ef\u4ee5\u653e24,000\u3002<\/p>\n<p><strong>4\uff0c\u6ce8\u610fAMT<\/strong><\/p>\n<p>\u5982\u679c\u4f60\u5df2\u7d93\u8981\u4ed8 AMT\uff0c\u52a0\u901fdeduction\u53ef\u80fd\u53cd\u800c\u6703\u8b93\u4f60\u640d\u5931\u9322\u3002\u6839\u64daAMT\uff0c\u5dde\u7a05\uff0c\u5730\u65b9\u7a05\uff0c\u623f\u5730\u7522\u7a05\u5728AMT\u90fd\u4e0d\u53ef\u4ee5\u62b5\u6263\u3002<\/p>\n<p><strong>5. \u8ce3\u6389\u8667\u640d\u80a1\u7968<\/strong><\/p>\n<p>\u628a\u8667\u9322\u7684\u80a1\u7968\u6216\u8005\u5171\u540c\u57fa\u91d1\u8ce3\u6389\uff0c\u4f86\u6e1b\u5c11\u4f60\u7684taxable gains. \u5982\u679c\u4f60\u7684loss\u6bd4gain\u591a\u5462\uff0c\u4f60\u53ef\u4ee5\u6709\u6700\u591a3000\u584a\u4f86\u62b5\u6263\u5176\u4ed6\u7684\u6536\u5165\u3002<br \/>\n<strong>6\uff0c\u5f8c\u9580Roth IRA<\/strong><\/p>\n<p>\u5118\u7ba1backdoor Roth IRA\u907f\u958b\u4e86\u9ad8\u6536\u5165\u7684\u9650\u5236\uff0c \u4f46IRS\u6709pro-rata \u898f\u5247\uff0c\u5c31\u662f\u8aaa\u4f60\u4e0d\u53ef\u4ee5\u53eaconvert non-deductible IRA, \u800c\u662f\u8981\u628a\u6240\u6709\u5176\u5b83IRA\u8cec\u6236\u5408\u5728\u4e00\u8d77\u4f86\u8a08\u7b97\u6709\u591a\u5c11conversion\u8981\u4ea4\u7a05\uff0c\u800c\u5176\u5b83IRA\u4e0d\u50c5\u5305\u62ec\u62b5\u7a05\u7684\u50b3\u7d71IRA\uff0c \u4e5f\u5305\u62ecSEP IRA\u548cSimple IRA, \u4f46\u4e0d\u5305\u62ec401K\u3001403B\u6216\u662f\u5176\u5b83pension plan.<\/p>\n<p>\u5e74\u5e95\u5c31\u5728\u773c\u524d\uff0c\u5408\u6cd5\u7a05\u52d9\u8feb\u5728\u7709\u776b\uff01\u5982\u679c\u60a8\u6709\u4efb\u4f55\u95dc\u65bc\u5e74\u5e95\u8ca1\u7a05\u554f\u984c\uff0c\u8acb\u8207\u5353\u8d8a\u8ca1\u5bcc\u96c6\u5718\u5728\u5e74\u5e95\u524d\u9810\u7d04\u4e00\u500b\u5c0f\u6642\u514d\u8cbb\u8aee\u8a62\u3002\u96fb\u8a71\uff1a877-253-8288, Jenny@EliteWealths.com.<\/p>\n<p>\u795d\u798f\u5404\u4f4d<\/p>\n<p>\u200b\u8056\u8a95\u5feb\u6a02\u200b\u8ca1\u5bcc\u6eff\u6ea2!<br \/>\nJenny Chang, MBA<\/p>\n<p>\u5353\u8d8a\u8ca1\u5bcc\u96c6\u5718\u526f\u7e3d\u88c1<\/p>\n<p>\u69ae\u7372NLG2014,\u200b2015,\u200b2016\u5168\u7f8e\u7b2c\u4e00[\u4e09\u9023\u51a0\u3011<br \/>\n\u200b\u200b\u200b\u200b\u200b\u200b\u200b\u87ec\u806f\u767e\u842c\u5713\u684cMDRT-Top of the Table\u9802\u5c16\u9867\u554f<br \/>\n\u5168\u7403\u767e\u842c\u5713\u684c\u52a0\u62ff\u5927\u591a\u502b\u591a\u5e74\u6703\u552f\u4e00\u83ef\u4eba\u8b1b\u5e2b<\/p>\n<p>KTSF26[\u5353\u8d8a\u4eba\u751f\u8ca1\u5bcc\u89e3\u78bc\u3011\u8ca1\u7d93\u96fb\u8996\u4e3b\u8b1b\u4eba<\/p>\n<p>\u9810\u7d04\u96fb\u8a71\uff1a \u200b1-877-253-8288<\/p>\n<p>\u96fb\u90f5\uff1aJenny@EliteWealths.com\u200b\u200b<\/p>\n<div class=\"gsp_post_data\" \r\n\t            data-post_type=\"post\" \r\n\t            data-cat=\"money\" \r\n\t            data-modified=\"120\"\r\n\t            data-created=\"1482244097\"\r\n\t            data-title=\"\u5e74\u5e95\u7a05\u52d9\u5012\u8a08\u6642\uff1f\" \r\n\t            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