- Iva nemari muzvikwereti zvose zvekurasikirwa kwemitero, zvakadai se 401 (k) hurongwa kana IRA, uye mushure mekuteerera mutero, sekodzero yekuregererwa kana yekwereta.
- Iva nemakore umo mari yaunowana inogona kusiyanisa, yakadai apo kana mumwe mudzimai akasiya makore emakore, vakaroorana vanopedza basa mumakore akasiyana-siyana, kana varoorana vanopinda munguva yekusashaya basa, kana kuti kuchinja kwemari kunokonzerwa nebasa rekutumirwa.
- Iva nemakore ekuderedzwa kwezvakagadzirwa zvingave zvakasiyana, zvakadai sokutora chikwereti chitsva, kubhadhara chikwereti, negore nekuwedzerwa mari yezvemari kana kubviswa kwechipo, kana kutora hutsva huripo.
Kunzwisisa Kuti Kubhadhara Mitero Kunoratidzirwa sei
Kuti ubhadhara mitero miduku mukurasira, iwe unofanirwa kunzwisisa kuti mitsva yako yakasiyana yekusununguka mari yakabhadharwa sei. Chinhu chinonyanya kukanganwa inzira iyo Social Security yako inobhadharwa nayo.
Pane chirevo chinoshandiswa kutsanangura kuti zvakawanda zvehutano hwehupfumi huchakweretwa sei. Vakawanda vanozouya mubhadharo vane mukana wokuderedza kuwanda kwehupfumi hwavo hweHuman Security maererano nemitero kuburikidza nekuchenjerera kuronga mutero.
Mubhuku rake, A Social Security Owner's Manual , Jim Blankenship, CFP ® inoratidza muenzaniso wakanaka wekuti izvi zvinoshanda sei. Mumuenzaniso wake, mumwe munhu anorega kubhadharwa anokwereta anenge madhora 96 000 pasi pamitero kuburikidza nekugadzirisa nguva uye kuti sei vanotora mhando dzavo dzakasiyana dzekusarura mari.
Kuti udzikise mitero yekusunungurwa iwe unofanira kunzwisisa kuti Social Security yako inobhadharwa sei uye inogona kuverenga mienzaniso yezvidzidzo zvemhosva pamusoro pekuti vakaroorana vanobhadhara sei mutero we Social Social benefits kuti vaone kuti unoenzanisa sei.
Kurongwa Kwemitero Kunoponesa Mari
Mhando mbiri dzekukwereta kwemitero, iyo ini ndinoshevedza kubhadhara kwemabhazi emutero, inogona kukubatsira kuti udzikise mitero yekubvisa mari, uye nokudaro uwedzere mari yako inotevera mushure:
- Yenguva yakareba yekuronga mitero-iyi inopa mazano akazara pamusoro pekuti unofanira kutora zvakawanda sei kubva kune dzimwe nhoroondo gore negore, uye kuti ungarongedza sei zvinyorwa zvako zvekuwana nehutano hwehupfumi hwehutano hwekununura humwe hutori huripo.
- Mutambo wegore negore urongwa-gore roga roga mutero wekutengesa uye kuderedzwa kunoshanduka. Mutambo wegore negore wekugadzirisa mutero wakaitwa mukuwa kwegore negore kunogona kuzarura mikana yekugadzirisa mitero isingagoni kuwanikwa nekutarirwa kwemitero yakareba kwenguva refu.
Long Range Tax Bracket Planning
Yenguva refu kutarirwa kwemitero kunotarisa mitero yako inotarirwa uye mitero yemari uye inokuratidza kuti ungagadzirisa sei zvinyorwa zvako zvekuwana kuti upe mamwe akawanda mushure mekutora mari. Urongwa uhwu hwekugadzirira hunoda software kana spreadsheet ine mitsara yakawandisa yematare ekuratidzira iwe muwandu wemutero wemutero unogona kuva nekutora imwe nzira yekuita kune imwe. Kutara kwemazera emitambo yakakura kunobatsira kuti udzikise mitero yekusarura munzira mbiri:
- Ita urongwa huripo pamusoro pekuti unotora mari kubva kune zvipi zvemaakaiti kuti uchengetedze mubhaketi yakaderera yepamusoro inobvira.
- Kuratidzei nzira yekugovera mazvese kudarika mitero yako-yakasvikiswa kana mushure mekutevera mitero kuderedza mutero wako wemutero pamusoro pemakore ako ekurega basa. Pfungwa yekugadzirisazve mari yekuderedza mari inotengesa mari inopa mari yekuchengetedza zvikwereti.
Annual Tax Bracket Planning
Mutambo wegore negore urongwa hunogona kukubatsira kubhura mikana yeku:
- Bvisa mari kubva kuIRA, kana kuti uende IRA mari kuRoth IRA, uye ubhadhara zvishoma pamutero mumakore apo kukodzwa kwako kwakakwirira uye zvimwe zvekuwana mari yako yakaderera.
- Ziva kukanganisa kwemari kuregererwa mari, kana kugadzira kurasikirwa kukuru kwemari .
- Shandisa makore nemabhadharo akakwirira akawedzerwa.
- Chengetedza rudzi rwekambani, Roth kana Regular IRA kana 401 (k), iyo ichapa iyo yakawanda inotora mutero kubhadhara kwauri zvichienderana nemutero wako wegore iroro.
Zvimwe Zvinyorwa
- Nzira 3 dzekuita Mutero Wako Wekupera Kwegore
- Kurapa Kwemitero Nzira dzeKushandurwa Kwekubhadhara Mari kuNyore Mabheji
- 3 Mazano ekuwedzera Maitiro Akemikemu
- Mortgage Interest Deduction Pamberi uye Mushure mekunge Murega
Nokuita zvose zviri zviviri zvakatarisa uye kuronga kwemutero wegore, vazhinji vakasiya mari vachakwanisa kuwedzera yavo mushure mekubhadhara mitero yekuwana mari ne $ 500 - $ 4,000 pagore.
Makore makumi maviri kusvika makumi matatu ekurega basa anowedzera kusvika ku $ 10 000 kusvika ku $ 120 000 yezvekuwedzera mari yekubvisa mari.
Kuwana rubatsiro neRetirement Tax Tax
Izvo zvakaoma kuita sarudzo yekodzero isina rubatsiro. Paunenge uchitsvaka rubatsiro, yeuka vanhu vazhinji vanozviti ivo vadzidzisi vezvemari vanoshandira mahofisi makuru ekutsvaga mabhizinesi kana mabhanhire anovadzivisa kupa kupa mazano emitero.
Iwe unofanirwa kuwana chero CPA kana muteresi wezvemitero ane PFS yekutsanangura uye kushingaira inoita rudzi rwemakore akawanda anoronga mutero anorondedzerwa munyaya ino kana mutambi wekugara muhurumende anoita zvakasununguka, ane ruzivo rwemutero uye chiitiko panzvimbo yekuziva mutero zvirongwa zvokuronga.