00:00
in today's video I'm going to give you five of my favorite tax planning strategies for you to utilize and make
在今天的影片中，我將分享五個我最喜歡的節稅規劃策略，讓您善加利用，確保在省稅的同時也能存下最多的錢。
00:06
sure that you can save as much money and taxes as possible as you know I'm the author of the book called I hate taxes
大家都知道，我是暢銷書《我恨稅收》的作者，所以如果您也討厭稅收，就必須想辦法省稅，這也是我們今天要探討的內容。
00:12
and so obviously if you hate taxes you have to find ways to save money on your taxes and that's what we're going to
這是「Joe 懂退休」系列節目，Joe 懂退休、
00:17
talk about on today's episode of Joe Knows retirement Joe Knows
Joe 懂稅務、Joe 懂市場、Joe 懂社會保障、Joe 懂收入規劃，Joe 懂匹克球？不，這是「Joe 懂退休」。
00:24
taxes Joe Knows the market Joe Knows social security Joe Knows income
現在，讓我先解釋一下我所謂的「我恨稅收」是什麼意思。其實我並不是恨所有的稅，我很喜歡我納稅所支持的圖書館和道路。
00:33
planning Joe Knows pickle ball no this is Joe no's
但我不同意的是，我的稅款被用在某些我不認同的地方，有些東西我就是不買單。
00:41
retirement now let me start by prefacing what I mean by I hate taxes now I don't hate all taxes I I enjoy the libraries I
正因如此，我想守住我辛苦工作換來的成果，確保自己不會多繳稅。
00:48
go to the roads I drive on what I don't agree with though is everything that my tax paying dollars is used for there's
我們有許多觀眾和客戶在看了這些 YouTube 影片後，都表達了相同的心聲。
00:54
some things I just don't enjoy and so because of that I want to preserve what I work so hard for to ensure that I'm
他們希望確保自己採取了正確的策略，以便將辛苦賺來的錢留在自己身邊。
01:00
not overpaying and we get a lot of people watching these YouTube videos and clients of ours that say the same thing
畢竟，我們常說「你不知道你不知道的事」，這也是這支 YouTube 影片的目的。
01:06
they want to make sure they are implementing the right strategies so they can keep their hard-earned dollars
如果您喜歡這些影片，歡迎訂閱我們。我們的目標是解開稅法的奧秘，挖掘其中的機會。
01:12
to themselves and as we always know you don't know what you don't know and so that's the goal of this YouTube video if
讓我們能享受更愉快的退休生活，節省更多稅款，最終能花更多錢或做更多慈善，這是我們的初衷。
01:18
you like these videos go ahead and subscribe but our goal is to to open the tax code to open up the book what
我們今天要討論的第一個策略，叫做「健康儲蓄帳戶」，簡稱 HSA。
01:23
opportunities are out there so that we can have a more enjoyable retirement filled with more tax savings so that we
這是我最喜歡的帳戶之一，因為它享有「三重免稅」的優惠。
01:29
can ultimately spend more or give more is our goal so the first strategy we're going to talk about today is what's
首先是前端的免稅扣除，其次是延稅增長，最後在未來提取用於醫療支出時，也是免稅的。
01:34
called a health savings account or known as an HSA now this is one of my favorite accounts is because it's triple taxfree
因此，您能利用這個工具，讓投入的資金完全不用繳稅。
01:42
there's tax deduction up front there's tax deferred growth and then it's taxfree when you take it out for health
不過，這個投資是有額度限制的，您不能每年存入十萬美元，只能存入特定的金額。
01:48
care expenses in the future and so because of that you can have this ability to really never pay taxes on the
所以，我們總是鼓勵符合資格的客戶善加利用。
01:54
money you put into this vehicle now there are limits on this investment so you can't put in you know $100,000 a
這筆您投入此工具的資金，目前在投資上設有上限，因此您無法存入，比方說，十萬美元那麼多
02:00
year there's only a certain amount you can put in each year and so we always encourage our clients that have the
年；每年僅能存入特定金額。因此，我們總是鼓勵那些有
02:04
opportunity for an HSA to maximize that contribution it's one of the First Investments I personally do every year
HSA 的機會來最大化那筆繳納額，這是我個人每年首批投資之一
02:11
but also understand that you can't be you have to be on a high deductible health insurance plan that offers the
但也請理解，你必須要加入一份提供 HSA 的高自付額醫療保險計畫
02:16
ability to have an HSA to be able to do that and then you can invest it however you wish so if you invested in the
才能進行這項操作，接著你就可以依自己的意願投資，所以如果你投資在
02:22
market if you'd invested in cash or money market or whatever you wish you can certainly do so what we typically
市場、現金、貨幣市場或任何你想要的工具，你當然可以這麼做。我們通常
02:28
recommend for the clients we work with is if they're thinking a long-term perspective with the HSA which we
對合作客戶的建議是，如果他們以長期角度看待 HSA，這是我們
02:33
typically try to recommend then you probably want to invest it more aggressively and so with that HSA the
通常會試著建議的做法，那麼你可能希望更積極地投資它，因此對於 HSA，
02:39
idea that we also recommend is hey keep that as long as possible so that not only is all that growth taxfree like we
我們也建議的理念是，儘可能長時間持有它，這樣不僅像我們
02:45
talked about but also you're going to need Healthcare expenses at some point in the future and so you want to be
之前談到的所有成長都能免稅，而且你在未來某個時間點也會有醫療開銷，
02:50
ready to access that at that time so many people just go ahead and access it right now and they miss the opportunity
所以你希望在那時能準備好動用這筆錢。因此許多人直接現在就動用它，結果錯過了
02:57
for that taxfree growth moving forward and if you're worried you may not have health expenses in the future I'm
未來免稅成長的機會。如果你擔心未來可能沒有醫療開銷，我
03:02
telling you you may be a little bit lost there but something you can do is save your receipts and then you can reimburse
告訴你，你可能想得太簡單了，但你可以做的是保留收據，然後在未來
03:08
in the future based on that and so there can be some strategy about when you reimburse it based on what the Market's
根據這些收據來申請報銷，因此這裡可以有一些策略，決定何時報銷，取決於市場
03:13
doing based on what tax rates are uh so you just want to make sure you're working with someone or you're doing it
的狀況、稅率如何，所以你要確保有和別人合作，或是自己
03:17
yourself understanding how to strategize there with these hsas so I was a three-point uh shooter and when I played
動手做時，要了解如何在這些 HSA 上制定策略。我高中和大學時是
03:24
basketball in high school and college and so I always like the trifecta if you call it that and so that's what we think
籃球隊的三分球射手，所以我一直很喜歡所謂的「三元組」，而這就是我們對
03:29
of with the HSA that Triple Tax um benefit there that tax deduction tax deferred growth tax free when you take
HSA 的看法，也就是那「三重稅務」優惠：稅務扣除、遞延稅務成長，以及取出時
03:35
it out so when used appropriately can be a great strategy to use for your retirement the second tax saving
免稅。所以若使用得當，它可以是退休規劃的絕佳策略。我們要討論的第二個節稅
03:41
strategy that we'll talk about is a backdoor Roth IRA now this is only for those who are continually working right
策略是後門 Roth IRA。這只適用於那些目前
03:46
now who are making too much money where they can't contribute to a Roth IRA now this isn't a strategy that everyone can
持續工作、收入過高而無法直接向 Roth IRA 繳納的人。這不是每個人都能
03:53
do and nor do maybe anyone need to do it maybe they can just go ahead and contribute to a Roth IRA because you can
執行的策略，也許也沒人需要執行，因為他們或許可以直接向 Roth IRA 繳納，因為你可以
03:59
contribute up to $8,000 into a Roth IRA if you're over AG 50 and so if you do that well you just if as long as you're
如果你年滿50歲，可以向Roth IRA存入最高8,000美元，只要你符合收入限制就沒問題。
04:06
under the income limits then you're good but you have to have earned income so if you have earned income and you're over
但你必須有賺取收入，如果你有賺取收入但超過了那些限制，無法使用我剛才提到的方法。
04:12
those limits so you can't do what I just talked about then you can do a backdoor Roth IRA there's still some other things
那麼你可以進行後門Roth IRA（Backdoor Roth IRA），雖然還有其他事項需要考量。
04:18
to be considered but what is a backdoor Roth IRA is simply you fund a traditional IRA and it would be called
但後門Roth IRA是什麼呢？簡單來說，就是你向傳統IRA注資。
04:23
non-deductible so you don't get to write off that savings like you typically do when you fund a traditional IRA and then
這會被稱為「不可抵扣」（Non-deductible），所以你不能像通常向傳統IRA注資時那樣扣減這筆儲蓄。
04:29
what you would want to do as soon as you do that is convert it over to a Roth IRA and then since a Roth conversion has no
接著，你一注資後想做的事，就是將其轉換（Convert）到Roth IRA。
04:35
limits you know there there's a limits on contribution but not on conversion and so you're technically doing a
因為Roth轉換沒有金額限制，雖然注資有限制，但轉換沒有，所以技術上你是在進行轉換。
04:40
conversion here so you've already paid your taxes with it being a non-deductible contribution so when you
既然這筆注資是不可抵扣的，代表你已經繳過稅了。
04:45
do that conversion there's actually no taxes paid you just didn't get any tax benefit UPF front and then when you do
所以當你進行轉換時，實際上不需要再繳稅，你只是當初沒有獲得前端的稅務優惠。
04:50
this now you can grow this thing taxfree moving forward so it's a little bit of a loophole within our tax code where you
當你完成這步驟後，這筆資金未來就能免稅增長。這是稅法中的一個小漏洞。
04:56
can still contribute to a Roth even if you make too much money and so this is something I personally do every single
讓你即使收入過高，仍能向Roth IRA注資。這是我個人每年都會做的事。
05:01
year now the key though is that if you have any traditional IRA money then you're going to want to be very careful
不過關鍵在於，如果你名下有任何傳統IRA的資金，你必須非常小心。
05:06
with this we call it cream in the coffee and so you're just going to want to be very aware of how those rules work to
我們稱之為「咖啡中的奶油」（Cream in the coffee）原則，你必須非常清楚這些規則的運作方式。
05:11
see if you're doing this the right way and if it makes sense for you to do it at those times and if you've already
以確認你是否以正確的方式操作，以及在當下對你而言是否合理。
05:16
contributed to a non-deductible IRA in the past I tell you to make sure you're paying attention to that as well maybe
如果你過去曾向不可抵扣的IRA注資，我告訴你要特別留意。
05:22
you did make too much money and you didn't do this back to a Roth conversion at that time and you just contribute to
也許你當年收入過高，沒有進行Roth轉換，只是單純注資到IRA。
05:27
the IRA because you're still allowed to you just can't the contribution well you may want to look in filing something
因為你仍然被允許注資，只是不能抵扣稅款。那麼你可能需要考慮申報一份8606表格。
05:32
called an 8606 or maybe your CPA has already done that you know with our clients here we have the CPA in house so
或許你的會計師（CPA）已經幫你處理了。在我們公司，我們有內部會計師。
05:38
that's something that we always evaluate with our clients and we can communicate to make sure everything's on the light
這是我們一定會與客戶評估的事項，我們會溝通以確保一切合規。
05:43
right line and if you have that 8606 on file if you ever do any Roth conversions now or in the future then you'll be able
如果你檔案中有8606表格，無論現在或未來進行任何Roth轉換，你都能夠...
05:49
to have a portion of that Roth conversion be you know already taxed so you don't have to pay taxes when you
讓一部分的Roth轉換已經被課稅，這樣在轉換時就不必再繳稅，這就是後門Roth IRA的概念
05:53
convert it so that's the idea of a backdoor Roth IRA and pay attention to strategy number five that we're going to
並注意我們接下來要談的第五個策略，因為我們將討論這個Roth轉換概念，以及它如何在退休規劃中發揮作用
05:58
talk about cuz we're we're going to talk about that Roth conversion idea and how that can play a part into a retirement
除了後門Roth IRA之外，接下來的兩個策略將更具慈善性質
06:04
plan in addition to something like the backdoor Roth IRA the next two strategies are going to be more
我非常支持慈善捐贈，我們總是鼓勵客戶，如果這對他們很重要
06:08
charitable so I'm I'm a big fan of charitable giving we we always encourage our clients that if that's important to
那麼讓我們找出在做慈善的同時也能節稅的方法，這樣我們可以捐更多，或是讓自己口袋裡留更多
06:14
them then let's find ways to save money on taxes while we do it so we can either give more or have more in our pockets
這取決於您的偏好，對吧？其中一個策略叫做捐贈者建議基金
06:18
it's whatever you prefer right so one of those strategy is called a donor advice fund and with a donor advise fund this
使用捐贈者建議基金，您只需將錢放入一個慈善基金中
06:25
is where you simply put money into a charitable fund that you uh technically the you know owner of but once you put
技術上您是擁有者，但一旦把錢放進去，它就是不可撤銷的
06:33
your money there it's irrevocable you can't ever get it back it has to go to a charity and so because of that this
您永遠無法拿回來，必須捐給慈善機構
06:39
gives you some opportunities this gives you some opportunities to get some big writeoffs in one year so you put all
因此，這給了您一些機會，讓您可以在某一年獲得大額的扣除額
06:44
your money into the donor advice fund and then let's say you have 10 Charities that you want to give to no problem you
您將所有錢投入捐贈者建議基金，假設您想捐給10個慈善機構，完全沒問題
06:49
put it all in there and then you give to all 10 well the benefit comes though is you can put it all in in one year let
您把錢全部放進去，然後分給這10個機構
06:54
say you have 100,000 you put it all in the donor advice fund for one year and then let's you want to give from there
好處在於，您可以將所有款項在一年內投入，假設您有10萬元，全部投入捐贈者建議基金
07:00
for the next 10 years you want to give $10,000 a year each year for the next 10 years so if that's your goal then simply
然後假設您希望在接下來10年每年捐出1萬元
07:07
doing it that way now you can give from here over the next 10 years and you get the write off this year so why is that
如果這是您的目標，那麼只需這樣操作，您就可以在未來10年從這裡捐款，並在今年獲得扣除額
07:12
important it's important because now you can itemize your deductions on your taxes versus standard deduction so as we
為什麼這很重要？因為現在您可以在報稅時選擇逐項扣除，而不是使用標準扣除額
07:19
know right now the standard deduction is higher so this could be an opportunity to take advantage of the itemized and
如我們所知，目前的標準扣除額較高，這可能是利用逐項扣除的機會
07:25
then ongoing you know you're still giving your $10,000 a year but you're not going to get any benefit cuz you got
接著在往後年度，您仍然每年捐贈1萬元，但不會再獲得任何稅務效益
07:29
it up front which is a good thing so Ono you just take the standard reduction because you have less itemized
因為您已經提前獲得了，這是好事，所以您只需採用標準扣除
07:34
deductions and so you get to maximize that standard reduction while still getting all of your benefit up front
因為您的逐項扣除額較少，這樣就能最大化標準扣除額的效益，同時又提前獲得了所有好處
07:39
because if you just give $10,000 a year for the next 10 years you'll never be able to itemize so you'll go 0 for 10
因為如果你在未來10年每年只捐1萬美元，你永遠無法逐項列舉扣除，所以這10年你都無法扣除
07:45
whereas here you can go one for 10 but you can get a huge year and you can use some of the other Tax py Strategies to
但在這裡你可以10年中有1年可以扣除，但你可能在某一年獲得巨大的扣除額，並且你可以結合其他節稅策略
07:52
offset and to play along with that strategy so a donor advis fund is something that we do for anyone who is
來相互配合，所以捐贈者建議基金是我們為任何年齡在
07:57
70 and a half or younger and I'll share with you why that's the case in the next strategy um but it's
70歲半或以下的人所做的，我會在下一個策略中告訴你為什麼，但如果你打算
08:03
also important to do if you're going to be able to Bunch your charitable deduction so maybe you have some money
集中你的慈善扣除額，這也很重要，所以也許你有一些錢
08:09
you know that you have to put towards here to to satisfy your giving over the next couple years few years or even
你知道必須放在這裡，以滿足你在未來幾年甚至
08:14
longer depending on your situation if you have the funds available but where we really see a lot of value in this is
更長時間的捐贈需求，取決於你的情況，如果你有足夠的資金，但我們真正看到其價值的地方是
08:20
if you have a highly appreciated asset so let's just use a simple one let's say you have an Apple stock that you've
如果你有一項大幅增值的資產，讓我們用一個簡單的例子，假設你有一張蘋果股票，你持有
08:26
owned forever and it's worth $100,000 and you bought it for for 10,000 well what happens when you sell off stock at
很久了，現在價值10萬美元，而你當初是以1萬美元買的，當你在那個時候賣掉股票時
08:32
that point is you have to pay taxes on all that gain at capital gains rates which for most people is about 15% and
你必須為所有獲利繳稅，按資本利得稅率計算，對大多數人來說約為15%，
08:39
so if that's the case you know you're going to have to pay close to $115,000 in taxes well if you were to just take
所以如果是這樣，你知道你將必須支付近11,500美元的稅，但如果你只是把
08:45
Apple stock and if you move that over to the donor advise fund then you don't have to pay any of that capital gains
蘋果股票轉移到捐贈者建議基金，那麼你就不必支付任何資本利得稅
08:51
tax because you're giving it to technically a charity and then so not only do you get the benefit of no
因為從技術上講，你是將它捐贈給慈善機構，因此你不僅獲得了沒有
08:56
capital gains but you get the benefit of what I've talked about earlier which is to itemize $100,000 that year
資本利得稅的好處，還獲得了我之前談到的好處，也就是在那一年可以逐項列舉扣除10萬美元，
09:03
and maybe we can do a Roth conversion or we can offset some other losses that we have our non-qualified investments and
也許我們可以做羅斯轉換（Roth conversion），或者我們可以抵銷我們在非合格投資中的一些損失，
09:09
so you get the best of both worlds so for a lot of our clients they've owned stocks over a long period of time and
所以你兩邊都得到了好處，所以對我們的許多客戶來說，他們持有股票很長一段時間了，
09:14
this is something that we can look at for them to get those both of those benefits there so just something to
這是我們可以為他們研究的方案，讓他們同時獲得這兩種好處，所以這只是
09:19
consider with this donor advise fund and you can open this donor advise Fund in many different places and then when you
使用這個捐贈者建議基金時可以考慮的事情，你可以在許多不同的地方開設這個捐贈者建議基金，然後當你
09:24
when you all you have to do is basically just tell them exactly where you want to donate the money so I personally have a
你只需要告訴他們你希望把錢捐給哪裡，所以我個人有一個
09:29
fun I really enjoy the fun it makes it really easy to give and I'll tell you what it holds you accountable as well
基金，我真的很喜歡它，它讓捐贈變得非常容易，而且我告訴你，它也能讓你更有責任感
09:35
because you've already given the money so you know you're sitting there with a lot more money so you're not you're no
因為你已經把錢捐出去了，所以你知道你手頭上剩下更多錢，因此你不會再看到這筆錢從你的支票帳戶支出，而是從捐贈者建議基金支出。
09:39
longer seeing you know it come out of your checking account it's just coming out of donor advice fund so if I want to
所以如果我想捐贈1000美元給慈善機構，對我來說會容易得多，因為我不會覺得我正在花那筆錢。
09:44
give a $1,000 to a charity it's a lot easier for me to do because I don't feel like I'm I'm spending that money right
人性有時會阻礙我們，所以這是一個讓自己對捐贈保持負責的好方法。
09:49
human nature gets in the way of us sometimes and so this is a great way to hold yourself accountable to your giving
並確保你在未來能持續慷慨解囊，同時也能獲得節稅的好處。我們絕不希望只因為節稅理由而捐贈。
09:54
and ensure that you can be generous as you go but also you know get the tax savings right we never want to give only
捐贈必須發自內心，必須是我們想做的事，但能同時享有稅務優惠總是件好事。
10:00
because of the tax reasons right it's got to come from our heart and it's got to be something we want to do but it's
所以第四個策略是所謂的「合格慈善分配」（Qualified Charitable Distribution）。
10:04
always great to get those tax benefits as well and so fourth strategy here is what's called a qualified charitable
這是我針對70歲半或以上的人提到的，我之前提到捐贈者建議基金是做到70歲半為止。
10:11
distribution now this is something I mentioned for 70 and a half or more so the reason why I said donor advise fund
假設某人現在60歲，距離70歲半還有10年半的時間。
10:16
we do that until 70 and A2 so let's say someone's 60 and they've got 11 and a half or 10 and a half years before 70
我們可能會利用捐贈者建議基金來幫他們撐到那個年齡，這樣他們就能在某一年進行逐項扣除，針對那11年或10年半的捐贈。
10:22
and A2 we'll probably do a donor advise fund to get them up to that point so we can itemize in one year for those 11 or
如果他們有能力這樣做的話。我們這樣做的原因是，之後我們就可以進行QCD，也就是合格慈善分配。
10:28
10 and a half years if they have the capability to do so and then the reason why we do that is because then we can do
這可以直接從你的IRA（個人退休帳戶）捐贈給慈善機構。我們看到的大多數人，他們在IRA中有大量的延稅資金。
10:32
a qcd qualified charitable distribution and that can give directly from your IRA to a charity so most people we see they
所以如果他們從中提領現金，就必須繳稅。而這是一種我們可以避開那筆稅款並進行慈善捐贈的方法。
10:40
have large amounts and their tax defer dollars in their IRAs and so if they take out money from those they have to
我們曾有一位客戶，他每年捐贈10,000美元給他的教會。我們直接告訴他，如果你直接從你的IRA捐贈，而不是從你的銀行帳戶。
10:46
pay taxes and so this is a way that we can avoid that tax and do our charitable gifting so we had a client one time he
你可以省下2,200美元的聯邦稅。當時他是處在22%的稅級。
10:52
gave $10,000 a year to his church and we simply said hey if you just give that from your IRA instead of from your bank
所以他實際上可以多捐2,200美元，或者他可以把這筆錢放進自己的口袋，現在他不用做任何事。
10:58
account you you'll save $2,200 in federal tax he was in the 22% tax bracket and so he was
只要改變捐贈的資金來源，就能擁有更多錢。這是一個很棒的策略。
11:05
able to give actually $2,200 more or he could simply put that in his pocket and now he's got more money without doing
即使你還不到70歲半，這也是值得了解的。觀看這個影片的大多數人可能都不到70歲半。
11:12
Without You Know doing anything differently other than where he gave the money from so a great strategy and it's
我們看到從YouTube頻道預約與我們會面的人，年齡大概都在55到65歲之間。
11:18
something even though if you're not 70 and a half so most people watching this video or maybe not 70 and a half uh you
這件事，即使您未滿70歲半，所以觀看此影片的大多數人可能都未滿70歲半，呃，您
11:23
know most people we see that schedule times with us from the YouTube channel are probably anywhere between 55 and 65
知道，我們看到透過YouTube頻道預約與我們會面的人，年齡大概都在55到65歲之間
11:28
typically and so you know if that's you then you want to make sure you're preparing for
通常，如果您屬於這種情況，您需要確保為我稍早提到的合格股息分配做好準備
11:34
this qualified share distribution like I talked about earlier planning to give the donor advice fund and then the qcd
計劃捐贈給捐贈者建議基金，然後是合格慈善分配（QCD）
11:41
or maybe you just simply Bunch your charitable deductions you give it to a charity every two years or or however
或者您可能只是簡單地將您的慈善扣除額集中在一年捐贈，例如每兩年捐贈一次
11:46
you may want to do that but just understand how all these strategies work but also as you're doing for example
或者您想怎麼做都可以，但要了解所有這些策略的運作方式，同時當您進行例如
11:51
you're tax planning for you know maybe 10 more years in the future factor in whatever your required minimum
為未來 10 年進行稅務規劃時，請將您在 73 歲或 75 歲時的最低 Required Minimum Distribution (RMD) 納入考量
11:57
distribution is at R&D when you turn 7 3 or 75 that's the amount you're forced to take out of your IRA well that's if you
這是您被迫從 IRA 中提取的金額，如果您打算做 QCD，假設您的 RMD 預計為 50,000 美元
12:04
earn to do a qcd and let's say your R&D is expect to be 50,000 but you plan to give 10,000 well now you only have to
但您計劃捐贈 10,000 美元，那麼您現在只需為 40,000 美元的 RMD 做規劃
12:10
plan for a $40,000 rmd so something we do for all of our clients we work with is we project out a tax plan for them
這是我們為所有客戶所做的工作，我們與客戶合作，為他們制定前瞻性的稅務規劃
12:16
moving forward and and and be aware of where their income is going to put them at all their different stages of
並了解他們的收入在退休各個不同階段將會處於什麼位置
12:21
retirement and so because of that we have to be aware of that because our rmd could force us to pay more in Social
因此，我們必須意識到這一點，因為 RMD 可能會迫使我們支付更多的社會安全稅
12:26
Security tax could force us to pay more in Medicare premiums could force us into higher tax brackets and so be able to
可能會迫使我們支付更高的醫療保險保費，可能會迫使我們進入更高的稅級，因此能夠
12:32
strategically think about this and know that we're going to be planning to give charitably from our Ira reduces our
從策略角度思考這一點，並知道我們計劃從 IRA 中進行慈善捐贈，這會降低我們目前的收入
12:38
income now we can make better decisions now to decide how much do we want in Roth how much do we want in traditional
我們現在可以做出更好的決定，決定我們想要多少 Roth（羅斯帳戶），多少傳統（退休帳戶）
12:44
so we know when we pull out that money in retirement we know where it's going to put us on a from a tax standpoint and
這樣我們就知道在退休時提取那筆錢時，從稅務角度來看會將我們置於何種境地
12:49
by the way for the qcd you can only do $100,000 a year which most people aren't going to have to worry about that U but
順便一提，QCD 每年最多只能做 100,000 美元，大多數人不必擔心這一點
12:55
just be aware of that and it's a very simple way to do it if you're working with your advisor doing on your own you
但請注意這一點，如果您與顧問合作或自己操作，這是一個非常簡單的方法
12:59
just have to work with that custodian where your money is held to do that qualified charitable distribution the
您只需與保管您資金的託管機構合作，以完成合格的慈善分配
13:04
key though is just make sure you gets filed on your taxes the right way again another reason why we love having a CPA
關鍵在於確保以正確的方式申報稅務，再次強調，這是為什麼我們喜歡在內部擁有 CPA（註冊會計師）
13:09
in house here um for our clients is so that we don't have to worry about that miscommunication uh you just want to
為客戶服務的另一個原因，這樣我們就不必擔心溝通不良的問題，您只需確保
13:15
make sure your CPA knows that you did that and so the fifth strategy here is what's called a Roth conversion so I've
您的 CPA 知道您做了這件事，所以這裡的第五個策略是所謂的 Roth 轉換（Roth conversion），那麼我...
13:20
made mention of this throughout the video this is one of the most popular Tax py Strategies we're seeing right now
在影片中已經多次提到，這是目前最熱門的節稅策略之一
13:25
for those who are in or near retirement one of those reasons is because tax rates are just so low right now and the
對於那些已退休或接近退休的人來說，原因之一是目前的稅率非常低
13:31
other reason is is hey if you do this now you don't have to pay any taxes moving forward so it's kind of pay me
另一個原因是，如果你現在就做，未來就不必支付任何稅款，所以這有點像是
13:37
now or pay me later is the idea with a Roth conversion so simply moving money from your traditional IRA over to your
現在付還是以後付的概念，這就是羅斯轉換（Roth conversion）的思路，簡單來說就是把錢從傳統 IRA 轉到
13:44
Roth IRA and again a lot of these strategies we talked about today can layer into a Roth conversion to help you
羅斯 IRA，同樣地，今天我們討論的很多策略都可以搭配羅斯轉換，幫助你
13:50
decide what to do there and with Roth conversions we would never recommend you to make a um guess or just you know I'm
決定在那邊該怎麼做，對於羅斯轉換，我們絕不建議你憑感覺或只是「嗯，我
13:58
going to convert 100,000 cuz it sounds good we' recommend you really takeing analytical approach here to make sure
要轉十萬美元，因為聽起來不錯」，我們建議你採取真正分析性的方法，以確保
14:05
you're not missing anything so I would say that's one of the biggest mistakes we see that people come that they tell
你沒有遺漏任何東西，所以我想說這是我們看到最大的錯誤之一，當人們來找我們時
14:10
us when they come and see us uh we get a lot of people that see us because of our tax Focus because we really find Optimal
他們告訴我們的，很多人來找我們是因為我們專注於稅務規劃，因為我們真的會找出最佳
14:15
times to do tax planning and especially things like Roth conversions and they tell us hey we don't have the software
時機來做稅務規劃，特別是像羅斯轉換這樣的東西，他們告訴我們說，嘿，我們沒有軟體
14:21
to figure out how much to convert I just went ahead and converted 100,000 but oh wait it just forced me into higher
可以計算要轉多少，我就直接轉了十萬美元，但哦，等等，這讓我必須付更高的
14:26
medicare premiums oh wait it just forced my Social Security to to be more taxable oh I just bumped up to tax brackets
聯邦醫療保險保費，哦，等等，這讓我的社會保障金變得更需要繳稅，哦，我剛好跳到了更高的稅級
14:32
right so you really want to make sure you're not guessing and the way we do this is we project out not only this
對吧，所以你真的要確保自己不是在猜，而我們的做法是，我們不僅預測今年
14:37
year but every single year moving forward so we can make an educated and informed decision about what we're doing
的情況，還預測未來每一年，這樣我們才能就我們所做的
14:43
from a Roth conversion standpoint and looking all those things that I said earlier so Security tax medicare
從羅斯轉換的角度做出有根據且明智的決定，並綜觀我前面提到的所有因素，像是社會保障金稅務、聯邦醫療保險
14:48
premiums you know credits deductions nit and AMT and all these things of how they play together so that's the key there is
保費、你知道的抵免、扣除額、淨投資所得稅（NIT）和替代最低稅（AMT），以及所有這些因素如何相互影響，所以關鍵在於
14:55
just making sure you're aware and understand too Roth conversions May make more sense for those who have been
確保你意識到並理解，羅斯轉換對於那些一直
15:00
diligent Savers so we always call them the midwestern millionaire um I'm actually writing a book about this that
勤奮儲蓄的人來說可能更有意義，我們總是稱他們為中西部百萬富翁，嗯，我其實正在寫一本關於這個的書
15:05
will be out soon and it's all about those who have have a million dollars or more they've been hardworking Midwestern
即將出版，內容全是關於那些擁有百萬美元或以上資產的人，他們一生勤奮工作，秉持中西部
15:11
values family oriented have done the right thing all their years and we also joke that they're better Savers than
價值觀，以家庭為重，一輩子都做對的事，我們也開玩笑說他們比
15:17
Spenders right and because of that that's why they're doing so well um but for them Roth conversions can typically
消費者右邊，正因如此，他們表現得如此出色，但對他們來說，Roth 轉換通常
15:22
make a lot of sense because their required minimum distribution that we've talked about is going to be much higher
非常有意義，因為我們談過的所需最低分配額將會高得多
15:27
and so this is a way they can start to use that by doing things like a Roth conversion so if that's you make sure
因此，這是一種他們可以開始利用這點的方法，透過進行 Roth 轉換等操作，所以如果你是這樣，請確保
15:33
you're looking at this very in depth understand that this is not something that everyone should do I would tell you
你非常深入地審視這點，了解這不是每個人都應該做的事，我會告訴你
15:38
that the majority of our clients are doing this right now but again I don't know your specific situation everyone's
我們大多數客戶目前都在這麼做，但再次強調，我不清楚你的具體情況，每個人都
15:43
different um but just take a hard look at this if if this seems like it' be something that would be of value to you
不同，但如果你覺得這對你有價值，請仔細評估一下
15:49
so but that's all I've got on today's episode of Joe Knows retirement if you are looking for help with these types of
以上就是本期「Joe 懂退休」的所有內容，如果你正在尋求這類
15:54
strategies you are welcome to schedule a call with us down in this description below be a 15-minute call to see if we
策略的協助，歡迎你在下方描述中預約與我們通話，這將是一通 15 分鐘的電話，看看我們是否
16:01
can help you further um you know we can't take on everyone that we work with but this gives us an opportunity to see
能為你提供更多幫助，我們無法與所有人合作，但這讓我們有機會了解
16:06
if you are a good fit for what we do and you'll just be asked to fill out a questionnaire there and based on the
你是否適合我們的服務，你只需要填寫一份問卷，根據問卷內容
16:11
questionnaire is you know to see if we could potentially be a good fit and then we'll have a call to confirm or if not
來判斷我們是否可能合適，然後我們會再通話確認，如果不適合
16:16
and see where it goes and then we'll schedule another session to explore further if we do feel like it can uh you
並看看後續發展，如果我們覺得可以，我們會安排另一次會議進一步探討
16:21
know take it another step to explore even further so that's our process there and if you'd like some further help you
以便更深入地探索，這就是我們的流程，如果你需要更多幫助
16:27
know reach out to us with that being said we'll we'll see you on the next one [Music]
請與我們聯繫，那麼我們下集見 [音樂]
