If you predecease your wife or if she predeceases you, you/she will receive a step-up in basis on some/all of your investments, meaning that their appreciation will be calculated on the date of death. If you live in a community-property state (Arizona, California, Idaho, Louisiana, New Mexico, Nevada, Texas, Washington and Wisconsin) you receive a step-up in basis on both of your respective portions.You are, to employ a cliche, a victim of your own retirement success. You have invested so prodigiously that ...

CoinTracker chief operating officer Vera Tzoneva says most U.S. crypto investors don’t realize they must file taxes on digital-asset activity. “Right now in the U.S., and this is an IRS-stated metric, only 25% of crypto investors are tax compliant,” she said in an interview with TheStreet Roundtable. “The vast majority don’t even know that they have to file their crypto taxes. I think there’s a big awareness issue.” She stressed the problem isn’t mainly bad actors. “It’s not because people are not tryin ...

The One Big Beautiful Bill Act has rewritten tax rules for millions of Americans, with many new provisions going into effect in 2026. However, some changes kick in for the 2025 tax year, and financial experts recommend being proactive now to strengthen your financial position. But figuring out which changes actually affect you — and what to do about them before Dec. 31 — isn't always simple. Here's what financial and tax advisors say you should prioritize before the clock runs out. 1. Front-load your ch ...

税务策略分析 - 65岁纳税人处于35%高收入税率区间且不愿增加当前税负 考虑从罗斯IRA提取3万美元家庭项目资金以避免资本利得税 [1][4] - 罗斯IRA提取无即时税务影响（年龄超过59.5岁） 但需综合评估长期税务规划影响 包括未来税率变化风险 [2][4][5] - 应税经纪账户资本利得税率为15%或20% 具体取决于纳税申报状态和实际收入水平 [4] 账户选择评估 - 若未接近35%税率区间顶部且适用15%资本利得税率 使用经纪账户提取可能更合理 因当前收入可支撑税负 [7] - 需审查经纪账户持仓明细 利用2022年市场波动带来的税收损失收割机会 通过出售贬值资产抵消资本利得 [7][8] - 部分持仓价值可能低于原始成本基础 实现亏损可降低整体税单 [8] 继承规划因素 - 子女经济状况良好 无需将罗斯IRA作为未来继承资产考虑 [1]

AI在个人理财中的应用普及度 - 约50%的美国人使用AI工具管理个人财务 [1] 合法降低应税收入策略 - 通过退休账户最高可存入401(k)计划23,500美元和传统IRA账户8,000美元(2025年) [2] - 健康储蓄账户(HSA)享受三重税收优惠：存入抵税、免税增长和合格医疗消费免税提取 [3] 税收抵免政策利用 - 儿童税收抵免、收入所得税抵免(EITC)和美国机会抵免(教育费用)可全额抵消税款 [4] 投资策略减税方案 - 税收损失收割策略允许用投资损失抵消资本收益 最高可抵消3,000美元普通收入 [5]