Скачать или смотреть 立了遗嘱还不够！这个税务陷阱正等着你的继承人 A Simple Trust Mistake Could Cost Your Heirs Thousands in Taxes

你辛苦积累的退休金，真的能顺利传承给下一代吗？
自《SECURE法案》实施以来，大多数非配偶继承人必须在账户持有人去世后的10年内提取完毕继承的 IRA 账户资金。
这意味着他们可能在自己收入最高的年份被迫提取大量资金，导致税负增加，错失原本可以延长几十年的税收递延福利。更复杂的是，许多人认为立了遗嘱或设立了信托就万无一失了，但如果信托未被视为,"合格继承信托"，可能需要在5年内提取完毕，立马失去了税收递延的优势。
解决方案来了，Kiplinger、Fidelity等专业机构建议通过合理的遗产规划，如设立合格信托、进行Roth转换等，可有效减轻继承人的税务负担，最大化保留资产净值。
真正的传承不仅是财富的延续，更是智慧的传递。
关注我，了解更多前沿的税务与遗产规划策略，确保你的退休金真正惠及到后代，别让辛苦攒下的退休金最后变成税单。赶紧分享给你关心的人吧
Have you ever wondered whether your hard-earned retirement savings can truly be passed on smoothly to the next generation?
Since the implementation of the SECURE Act, most non-spouse beneficiaries are now required to fully withdraw inherited IRA funds within 10 years of the account holder’s death.
This means they may be forced to take large distributions during their highest earning years, resulting in a significant tax burden and losing decades of potential tax-deferred growth. What’s worse, many people assume that having a will or trust guarantees protection — but if the trust is not classified as a “see-through” (qualified) trust, the funds may need to be withdrawn within just 5 years, eliminating the tax advantages even faster.
Here’s the solution:Professional institutions like Kiplinger and Fidelity recommend proactive estate planning strategies — such as establishing a qualified trust, or doing a Roth conversion — to help heirs reduce their tax exposure and maximize net asset retention.
True legacy is not just about passing on wealth — it’s about passing on wisdom.
Follow me to learn more cutting-edge strategies on taxation and estate planning, and ensure your retirement savings actually benefit your loved ones — not end up as a tax bill.👉 Share this with someone you care about.


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