Key Points The IRS recently released the inflation-adjusted tax brackets for the 2026 tax year. The updated standard deduction was announced as well. With all other factors being equal, some high earners could see their taxes decline in 2026. The $23,760 Social Security bonus most retirees completely overlook › The IRS has released the 2026 tax brackets, as well as the new standard deductions and several other inflation-related adjustments. Although the marginal tax rates have not changed, the ne ...

罗斯转换策略的核心优势 - 将资金从401(k)或传统IRA转换至罗斯IRA可确保资金继续享受免税增长 [3] - 转换后可以避免在73岁或75岁（取决于出生年份）时被要求提取最低分配额(RMDs) [4] - 由于罗斯IRA不受RMDs规定限制 有助于降低退休后期的应税收入 [4] 分阶段转换的税务优化方法 - 不建议将全部160万美元余额在单一年度一次性转换 因为这几乎必然会将纳税人推至最高税级 [5] - 一次性转换160万美元可能面临高达37%的税率 而分多年转换可能将税率维持在12% 两者差异巨大 [6] - 出于税务优化目的 将计划提取的金额分摊到多个年份进行转换 以避免进入更高的税级 [6] - 随着时间的推移逐步转换较小金额 有助于纳税人维持在较低的税级 从而长期节省资金 [6] 利用税级策略 - 拥有类似储蓄水平的纳税人退休后可能处于比工作期间更低的税级 建议利用这一点来制定策略 [7]