#tax-optimization

Tax Optimization

Optimize your tax strategy for maximum savings legally

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30 август 2026 г.13 минути четене

Как собствениците на малък бизнес могат да реализират дългосрочни капиталови печалби при 0% през 2026 г.

През 2026 г. федералната ставка от 0% за дългосрочни капиталови печалби се прилага до 49 450 щ.д. облагаем доход за еднофизически лица и до 98 900 щ.д. за семейни двойки. Това ръководство показва на собствениците на малък бизнес как да прогнозират облагаемия доход, да оразмерят реализирането на печалби в края на годината с правилото за подреждане и да избегнат грешките с основата, периода на държане и авансовите данъци, които превръщат плана за 0% в данъчна сметка.

Mike Thrift

capital-gainstax-planningsmall-business

14 май 2026 г.11 минути четене

Section 1256 Contracts and the 60/40 Tax Rule: A Trader's Guide to Form 6781

Section 1256 splits gains on futures, broad-based index options, and qualifying forex 60% long-term and 40% short-term, capping the top federal rate near 26.8% versus 37% on equity options. A 2026 guide to Form 6781, the mark-to-market rule, and the three-year loss carryback.

Mike Thrift

taxtax-planningcapital-gains

13 май 2026 г.12 минути четене

Qualified Charitable Distributions in 2026: A $111,000 Tax-Free Path From IRA to Charity

A complete 2026 guide to Qualified Charitable Distributions — the IRS-sanctioned strategy that lets retirees age 70½ and older route up to $111,000 from an IRA directly to a qualified charity without recognizing the distribution as taxable income.

Mike Thrift

charitable-givingiratax-planning

7 май 2026 г.11 минути четене

Grantor Retained Annuity Trust (GRAT): The Wealth Transfer Strategy Founders Use to Move Appreciating Stock Tax-Free

How founders use zeroed-out GRATs to transfer pre-IPO stock appreciation to heirs tax-free, leveraging the IRS Section 7520 hurdle rate while preserving the lifetime estate exemption.

Mike Thrift

estate-planningtax-planningwealth-building

7 май 2026 г.11 минути четене

Net Unrealized Appreciation: The 401(k) Tax Strategy That Saves Six Figures

The Net Unrealized Appreciation election lets retirees pay long-term capital gains rates on employer stock distributed from a 401(k) instead of ordinary income, often saving more than $144,000 on a $1 million position. Covers eligibility under IRC 402(e)(4), the lump-sum distribution rule, and the most common mistakes that destroy the strategy.

Mike Thrift

tax-planningretirement-savingscapital-gains

7 май 2026 г.14 минути четене

Roth Conversion Ladder: How FIRE Investors Tap Retirement Accounts Penalty-Free Before Age 59½

A Roth conversion ladder converts traditional IRA dollars to Roth in annual tranches, each unlocking penalty-free five tax years later — the core mechanism FIRE retirees use to tap pre-tax accounts before age 59½ while filling low tax brackets.

Mike Thrift

retirement-savingstax-planningira

7 май 2026 г.11 минути четене

Tax Loss Harvesting: The Year-Round Strategy That Can Save You Thousands in Capital Gains Taxes

Year-round tax loss harvesting can add 0.5%–1.5% in annual after-tax returns to a taxable portfolio. This guide explains the IRS netting order, the wash sale rule across taxable and IRA accounts, and a practical framework for harvesting short-term losses without losing the deduction.

Mike Thrift

tax-loss-harvestingcapital-gainstax-planning

2 май 2026 г.10 минути четене

The Backdoor Roth IRA: A Step-by-Step Guide for High Earners in 2026

The Backdoor Roth IRA lets high earners contribute up to $7,500 a year to tax-free retirement growth by pairing a nondeductible traditional IRA contribution with a Roth conversion. Covers the five-step process, the pro-rata rule that derails most attempts, Form 8606 filing, and the recordkeeping that prevents being taxed twice.

Mike Thrift

iraretirement-savingstax-planning

2 май 2026 г.12 минути четене

Mega Backdoor Roth: How High Earners Stash $47,500+ Per Year in Tax-Free Retirement Accounts

In 2026, the Mega Backdoor Roth can move up to $47,500 of after-tax 401(k) money into Roth above the $24,500 elective deferral limit. This guide covers how the strategy works, the three plan features it requires, how the 401(k) pro-rata rule differs from the IRA version, and the mistakes that quietly erode its value.

Mike Thrift

401kretirement-plansretirement-savings

18 юни 2025 г.9 минути четене

Cryptocurrency Tax Compliance Guide: Mastering IRS Requirements with Beancount.io

Complete guide to cryptocurrency tax compliance using Beancount.io. Master IRS requirements, automate tax reporting, optimize capital gains, and ensure accurate crypto tax filing.

Mike Thrift

cryptocurrency-taxescrypto-tax-complianceirs-reporting

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