What does it feel like to be a millionaire?
Remember the show “Who Wants to Be a Millionaire”?忘了这个节目有多精彩吧，这个节目的名字叫天才! That’s because seemingly everybody wants to be a millionaire. 你现在可能会告诉自己，“哇，我想成为百万富翁. It’d make most of my problems go away.”
How many millionaires are in America right now? Specifically, as it relates to retirement funds, statistics tell us there are around 700,000 people in America with $1,000,000 in their IRA. 你可能认为这是很多百万富翁，但这种构想有一个问题.
Many retirees or pre-retirees are walking around thinking, “I’ve got a million dollars and I’m ready for retirement!” But what about taxes? If you’ve got $1,000,000 in a deferred, qualified account, then you don’t really have $1,000,000, do you? 因为当你取钱的时候，你还得付一部分钱给政府.
We had a recent client looking to roll out their 401(k). 有了401(k)，你有60天的时间把钱转到个人退休账户. 我们的客户和他们的经纪人谈过就在他们把钱投出去之前, and the broker told them, “By the way, you’ve got to pay 99% of this in tax.”
That was a massive mistake. Can you imagine having $1,000,000 dollars in your account, 然后突然发现每一分钱都要交税? That’s a big accounting error.
对于那些认为我们是“个人退休金百万富翁”的人来说，这是一个巨大的错觉.“你需要好好看看环亚ag88登录账户，了解我们退休后的实际现值. 你必须开始与环亚ag88登录经纪人和财务顾问进行真正的对话，讨论哪些账户持有环亚ag88登录资金. 只有这样你才能知道你应该付多少税.
Because if you’ve got $1,000,000 but you’ve got to pay taxes on it, then you don’t really have $1,000,000. 如果你有401(k)计划，有人告诉你所有的钱都要交税，那你就有麻烦了.
You need to be able to sit down, figure out what type of accounts you have, and diagnose your long-term tax ramifications. 只有这样你才能确切地知道环亚ag88登录退休金到底有多少.
Luckily, 我们环亚ag88登录的团队可以在亚特兰大和其他地方提供最高质量的退休和税务规划. 如果你想评估环亚ag88登录401(k)或个人退休账户，现在是时候了. Contact us at (888) 239-5880 or info@www.caymancondosonline.com right now for top-notch financial services in Atlanta.