美國自雇者和小企業主的省稅秘訣:Solo 401K和DB Plan!

by | Dec 29, 2023 | Retirement Annuity

美國自雇者和小企業主的省稅秘訣:Solo 401K和DB Plan!




【美國省稅】省稅神招! 美國退休計劃 Solo 401K, DB Plan 是最佳省稅利器!自雇主小企業主必學省稅法: 不僅稅率降低,錢放進去免繳稅,分紅薪水皆可抵稅|稅收抵免|台灣美國通EP106

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#美國省稅 #省稅規劃 #退休規劃
《重點章節》
0:00-1:30 為何省稅計劃都從最高稅率開始省?
1:31-1:52 自雇主/小企業主,善用退休計劃省稅
1:53-2:27 省稅利器1: Solo 401(k)
2:28-2:45 省稅利器2: 401(k)
2:46-3:48 省稅利器3: Defined Benefit + Combo Plan

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🌎台灣美國通・理財向錢衝
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#美國泛宇集團 #台灣美國通 #transglobal​ #泛宇
#美國稅務 #美國省稅 #美國報稅 #公司省稅 #企業省稅
#省稅 #抵稅 #稅務規劃 #所得稅 #退休計劃 #退休規劃 #美國退休計劃
#tax #taxsavings #taxsavingtips #retirement #retirementplanning #401k #solo401k

美國泛宇集團旗下業務包括、人壽保險、年金、個人及商用保險、健康保險、住宅貸款、房屋地產、資產管理、信託規劃、稅務教練、稅務規劃、投資理財、家族辦公室、企業一站式、升學教育等部門。整合旗下服務內容,並招募業界專業人才,打造一個全方位的財務規劃平臺,用最專業與最完整的一站式財富管理服務,讓客戶享有最專業與全面的財務規劃。

美國泛宇集團TransGlobal Holding Company有超過30年的財務規劃與管理經驗,專門為美國亞裔社區服務。由創始人兼總裁胡正國先生 Philip Hu的遠見,於2008-2009年全球金融風暴時期逆勢而為,相較於其他金融公司都在收緊業務之際,總裁胡正國先生反而開始積極地擴展事業版圖,於全美各州招募人才,廣設分公司,於短短的數年間,服務範圍由加州擴展至全美主要城市,包括加州、紐約州、喬志亞州、麻州、德州、華盛頓州、夏威夷州、賓州以及關島,於上述商業發展蓬勃的13大州設立28+間分公司; 橫跨美國東西岸, 都有美國泛宇集團的專業理財規劃團隊為您服務。

美國泛宇集團,於2015年在胡總裁前瞻性策略帶領之下,整合旗下公司產品線,壽險、年金與投資理財等部門,增加資產管理、稅務服務、住宅貸款、房屋地產、健康保險、商用保險等,打造全方位財務規劃平台。提供最即時、最完整專業的一站式財富管理服務

美國泛宇集團旗下關係企業目前在美超過5000位合作獨立經紀人,分佈於全美各州與亞洲主要城市,期許給客戶最好的服務品質並幫助客戶完成最適合的財富規劃。

TransGlobal Holding Company has over 30 years of experience in financial planning and management, aiming to serve the Asian communities in the U.S. With the vision of president and owner Philip Hu, the company excelled against the trend during the financial crisis from 2008 to 2009. While other financial companies tightened their businesses, President Philip Hu actively enlarged his business by recruiting nationwide talent and launching new branches. In just a few years, TransGlobal expanded beyond California to the East Coast, establishing branches in 25 major cities with vigorous growth that span 9 states, including California, New York, New Jersey, Massachusetts, Texas, Washington, and Hawaii. From the West Coast to the East Coast, TransGlobal’s financial planning professionals are now better able to serve their clients.

Since 2015, President Philip Hu has implemented his innovative, progressive strategy, leading TransGlobal to integrate new product lines under the company, enlarging the group’s scope of service from life insurance, annuity, and financial management, to now encompassing mortgage financing, real estate, tax services, asset management, and health insurance. Recruiting the most talented industry professionals to create a well-rounded financial planning platform provides clients with the prompt, professional, and complete all-in-one wealth management service clients seek….(read more)

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Tax Saving Tips! Solo 401K and DB Plan Are the Ultimate Tax-Saving Tools for American Retirement Plans. A Must-Know Tax-Saving Strategy for Self-Employed Small Business Owners: Not only can your tax rate be reduced, but the money you put into these plans is also tax-free, and bonuses and salaries can also be deducted.

For self-employed individuals and small business owners in the United States, finding ways to save on taxes is always a top priority. While the tax system can be complex and overwhelming, there are some key strategies that can help individuals save on taxes and increase their retirement savings. Two powerful tools that self-employed individuals and small business owners should consider are Solo 401K and DB Plan.

The Solo 401K, also known as an individual 401K, is a retirement savings plan designed for self-employed individuals and small business owners without employees, or those who only have a spouse as an employee. This plan allows contributions both as an employer and an employee, which means you can contribute more as compared to a traditional IRA. The contributions are tax deductible, and the earnings in the plan grow tax-deferred until withdrawal during retirement.

On the other hand, a Defined Benefit (DB) Plan is a retirement plan that allows high, tax-deductible contributions. This plan is best suited for self-employed individuals or small business owners who are closer to retirement and want to make larger tax-deductible contributions. With a DB Plan, the contributions are based on the amount of retirement benefits you want to receive in the future, rather than the amount you can contribute annually.

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The advantage of utilizing these retirement plans for tax-saving purposes is clear. Not only do they offer tax-deductible contributions, but they also provide a way for individuals to build up their retirement savings and grow their wealth tax-free. Additionally, both the bonuses and salaries from these plans can be tax-deductible, providing even more opportunities for tax savings.

It’s also worth noting that these tax-saving strategies are not limited to American citizens or residents. Non-residents with income generated in the U.S. can also take advantage of these plans to reduce their tax liabilities.

For Taiwanese individuals interested in these tax-saving strategies, it’s important to consult with a tax professional who understands both the U.S. and Taiwanese tax systems. As with any tax-related matters, the specific rules and regulations can be complex and vary based on individual circumstances.

In conclusion, Solo 401K and DB Plan are powerful tools that self-employed individuals and small business owners can use to save on taxes and increase their retirement savings. By taking advantage of these retirement plans, individuals can reduce their tax liabilities, grow their wealth tax-free, and build a solid foundation for their future retirement. It’s a tax-saving strategy that’s definitely worth considering for those looking to optimize their financial planning.

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