如果是 traditional 年金在利滚利时,是缓税的。但是开始提领时连本带利要缴税。如果是 Roth,年金在提领时,就没有税的问题。至于是 traditional 还是 Roth 比较好,那要看客人的情况
@邱珊珊-j6z3 ай бұрын
我是七十五歲的新移民如何保險?
@jerryyu643 ай бұрын
您好,謝謝您的留言。請問方便通電話,或做視頻會議溝通嗎?
@walterwong64765 ай бұрын
還是南加州最好。
@tangsfoliver17 ай бұрын
Thank you very much for your information which is very helpful. I am not a US citizen, I am 77 living in Hong Kong , I have a son and a daughter, they are US citizen living in California. My total asset is around 500 USD, half of it is invested in property. Should I transfer part of the cash to them every year or to sell the property to avoid paying tax to the Goverment. I am waiting for your advice.
@jerryyu647 ай бұрын
Hi Oliver, thank you for your message. The easiest way to exhaust your bank account is to utilize annual gift exemption. For 2024, each person can gift $18,000 to any person without trigger gift tax. Which means you can gift $18,000 to your son. Your wife can gift $18,000 to her son. You can gift $18,000 to your daughter in law, you can gift $18,000 to your grandchild, etc. as for property, the non US person only has $60,000 exempt, regardless of gift or estate.
您好,谢谢您的留言。如果您问的是传统的 Long Term Care (简称 LTC) 长期看护险。这在美国以前有流行一段时间。这种保险有几个缺点。1. 因为当初保险公司设计产品的时候有缺失,所以造成已经生效的保单,保费每年增长。2. 如果受保人从来没有用这份保单,过世后,这份保费就没有了。英文是 you use it, or lose it。所以如果受保人是意外或自然往生,传统的 LTC 就生效了。所以很多华人觉得不划算。
living in Vegas for 23 years. I am loving it, best asian restaurants and other restaurant, city is clean and architect of building is leading the world.
@stanleychiu8189 Жыл бұрын
Jerry, I am sure you know that the current $12.9 million per person exemption, $25.8 million per couple will expire on 12/31/2025. What will the exemption level starting 01/01/2026 is TBD.
@90s阿苗投資理財 Жыл бұрын
Likely drop to like 5mil
@stanleychiu8189 Жыл бұрын
@@90s阿苗投資理財 The exact level depends which political party is in power during 2025/26.
@@90s阿苗投資理財 you are confusing inheritance tax with estate tax. Estate tax is levied and paid by the people who have died. While Inheritance tax is paid by the people who have inherited those assets. there is no Inheritance tax at the Federal level, only Estate Tax. But some of the 50 states have both Estate tax and Inheritance tax.
@90s阿苗投資理財 Жыл бұрын
@@stanleychiu8189 so which part of my understanding was confused?