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☆ Treasury, IRS announce 'major milestone' of $1 billion in past-due taxes collected from millionaires
▼ + stars: | 2024-07-11 | by ( Kate Dore | Cfp | ) www.cnbc.com time to read: +1 min

Internal Revenue Service Commissioner Danny Werfel testifies before the House Appropriations Committee on Capitol Hill in Washington, May 7, 2024. The U.S. Department of the Treasury and the IRS on Thursday announced what they called a "major milestone" of collecting more than $1 billion in tax debt from high-income individuals over the past year. "The IRS has collected $1 billion from millionaires and shown that it can successfully launch strategic new initiatives and achieve the greatest return on investment," Treasury Secretary Janet Yellen told reporters during a press call. The infusion of IRS funding, enacted via the Inflation Reduction Act in 2022, still has its critics, however, particularly among congressional Republicans. "During the past decade, the IRS didn't have the resources or staffing to pursue high-income earners who our compliance team knew owed taxes," IRS Commissioner Danny Werfel said during the press call.

Persons: Danny Werfel, Janet Yellen, Biden Organizations: Revenue, Capitol, U.S . Department of, Treasury, IRS, Finance Locations: Washington

☆ How a Roth conversion ladder can save on future taxes and unlock retirement funds early
▼ + stars: | 2024-07-09 | by ( Kate Dore | Cfp | ) www.cnbc.com time to read: +1 min

Roth individual retirement account conversions are a popular way to reduce future levies on pretax 401(k) or IRA withdrawals — and you can smooth out the upfront tax hit with a "Roth conversion ladder," experts say. Roth conversions transfer pretax or nondeductible IRA money to a Roth IRA, which offers future tax-free growth. The trade-off is regular income taxes incurred that year on the converted balance. By comparison, a Roth conversion ladder is a series of conversions over multiple years, meaning "you're paying taxes in smaller increments," said certified financial planner Preston Cherry, founder and president of Concurrent Financial Planning in Green Bay, Wisconsin. Of course, boosting your adjusted gross income any year can trigger other tax consequences, such as phaseouts for certain tax breaks.

Persons: Roth, Preston Cherry, Ashton Lawrence, pretax, Lawrence Organizations: Roth IRA, Finance, CFP, Mariner Wealth Advisors Locations: Green Bay , Wisconsin, Greenville , South Carolina

☆ The right mix of retirement accounts can lower your future taxes, experts say — here's what to know
▼ + stars: | 2024-07-08 | by ( Kate Dore | Cfp | ) www.cnbc.com time to read: +1 min

Whether you're mid-career or nearing retirement, it's important to know where you're investing — and how those accounts could impact future taxes, experts say. Many workers are heavily concentrated in tax-deferred savings via a pretax 401(k) plan or traditional individual retirement accounts, which incur regular income taxes on future withdrawals, based on federal tax brackets. However, many advisors push for using a mix of pretax, after-tax Roth and taxable brokerage accounts for more flexibility in retirement. The right mix can provide "a lot of different levers to pull to manage your adjusted gross income," explained certified financial planner Judy Brown at SC&H Group in the Washington, D.C., and Baltimore area. Medicare Part B and Part D premiums are based on so-called modified adjusted gross income, which is your adjusted gross income plus tax-exempt interest, from two years prior.

Persons: Roth, Judy Brown, Brown Organizations: SC, H, D.C, Finance, Medicare Locations: Washington, Baltimore

☆ IRS has taken nearly 2 years to help tax identity theft victims get their refunds
▼ + stars: | 2024-07-05 | by ( Kate Dore | Cfp | ) www.cnbc.com time to read: +1 min

Erin Collins, national taxpayer advocate at the Taxpayer Advocate Service, speaks at a Senate Appropriations subcommittee hearing in Washington, D.C., on May 19, 2021. There's a pileup of tax identity theft cases at the IRS — but the agency is working on a "range of improvements" to speed up service. Identity theft victims have waited more than 22 months for resolution, plus several weeks for refunds. Tax identity theft happens when criminals use stolen personal information to file a fraudulent tax return to claim a refund. Collins reported in January that identity theft victims were waiting 19 months for resolution and refunds, which stemmed from Covid-19 shutdowns and pandemic relief.

Persons: Erin Collins, There's, It's, Collins Organizations: Taxpayer Advocate Service, Washington , D.C, IRS, Finance, Security Locations: Washington ,, Covid

☆ This 'bucket strategy' could lower your taxes in retirement — here's how to maximize it
▼ + stars: | 2024-07-03 | by ( Kate Dore | Cfp | ) www.cnbc.com time to read: +1 min

Many retirees don't think about taxes until it's time to withdraw funds from a pretax account, which can be a costly mistake, financial experts say. Only 3 in 10 Americans have a plan to reduce taxes on retirement savings, according to a Northwestern Mutual study from January that polled roughly 4,600 U.S. adults. However, the "bucket strategy" is one way to minimize that burden, according to certified financial planner Sean Lovison, founder of Purpose Built Financial Services in the Philadelphia metro area. More from Personal Finance:Bigger IRA balances can be a 'tax nightmare' in retirement, advisor saysIs holding too much cash a mistake? Roth conversions transfer pretax or nondeductible IRA money to a Roth IRA, which won't incur levies on future withdrawals.

Persons: Sean Lovison, Trump, Lovison, Roth Organizations: Northwestern Mutual, Finance, Roth IRA Locations: Philadelphia

☆ What the new IRS guidance on crypto tax reporting means for investors
▼ + stars: | 2024-07-01 | by ( Kate Dore | Cfp | ) www.cnbc.com time to read: +1 min

The U.S. Department of the Treasury and IRS on Friday released final tax reporting rules for digital asset brokers — and crypto investors have limited time to prepare, experts say. Mandatory yearly reporting will phase in starting in 2026, with digital currency brokers required to cover gross proceeds from sales in 2025 via Form 1099-DA. In 2027, brokers must include cost basis, or purchase price, for certain digital asset sales for 2026. "These regulations are an important part of the larger effort on high-income individual tax compliance," IRS Commissioner Danny Werfel said in a statement. The new IRS regulations come roughly four months after the agency hired two former crypto executives to improve digital currency service, reporting, compliance and enforcement programs.

Persons: Danny Werfel, Everybody's, James Creech, Baker Tilly Organizations: U.S . Department of, Treasury, IRS, Finance, Taxation, CNBC Locations: U.S

☆ Here's what a Supreme Court ruling could mean for Biden's 'billionaire tax'
▼ + stars: | 2024-06-29 | by ( Kate Dore | Cfp | ) www.cnbc.com time to read: +1 min

While lawmakers have a growing interest in taxing the ultra-rich, last week's Supreme Court ruling could threaten future wealth tax proposals, experts say. In Moore v. United States, the Supreme Court blocked a challenge to the "mandatory repatriation tax," a one-time levy on certain foreign investments enacted in 2017. More from Personal Finance:Supreme Court rejects challenge to tax on foreign investments — but avoids wealth tax debate55-year-olds are 'critically underprepared' for retirement, survey findsHere's where U.S. rents are rising — and falling — the fastestMany tax experts watched the Moore case to gauge Congress' authority to tax unrealized earnings, which could have an impact on wealth tax proposals. But the Supreme Court didn't comment directly on the issue. Still, the 83-page ruling scattered some clues about whether certain versions of a wealth tax could pass constitutional muster, experts say.

Persons: Moore, Moores, Brett Kavanaugh Organizations: Finance Locations: United States, U.S

☆ Marketplace health insurance may get more expensive — unless Congress extends this tax break
▼ + stars: | 2024-06-28 | by ( Kate Dore | Cfp | ) www.cnbc.com time to read: +1 min

If you buy health insurance via the federal marketplace, your premiums could increase significantly after 2025 — unless Congress takes action. The premium tax credit makes health insurance purchased via the marketplace more affordable. Participants can use the credit to lower insurance premiums upfront or claim the tax break when filing their return. In his fiscal 2025 budget request, President Joe Biden proposed making the premium tax credit expansion permanent. Former President Donald Trump's campaign did not respond to CNBC's request for comment on the program.

Persons: Gideon Lukens, Joe Biden, Donald Trump's Organizations: American, Center, Budget, Finance, Congressional, Office, Taxation Locations: U.S

☆ Trump and Biden's first presidential debate: Here's what to expect on taxes
▼ + stars: | 2024-06-27 | by ( Kate Dore | Cfp | ) www.cnbc.com time to read: +1 min

President Joe Biden and former President Donald Trump will face off Thursday in the first presidential debate of the 2024 general election — and the presumptive nominees could show voters where they stand on tax policy, experts say. One key issue is the Republicans' expiring tax breaks enacted via the Tax Cuts and Jobs Act of 2017, or TCJA. Without action from Congress, several provisions will sunset after 2025, including lower federal income tax brackets, a boosted child tax credit and higher estate and gift tax exemptions, among others. More than 60% of tax filers could face increased taxes in 2026 if TCJA provisions expire, according to the Tax Foundation. Fully extending TCJA provisions could add an estimated $4.6 trillion to the deficit over the next decade, the Congressional Budget Office reported in May.

Persons: Joe Biden, Donald Trump, —, Andrew Lautz, Trump, expirations Organizations: Tax Foundation, Biden, Finance, IRS, Congressional

☆ IRS watchdog pushes for transparency on pandemic-era small business tax credit backlog
▼ + stars: | 2024-06-26 | by ( Kate Dore | Cfp | ) www.cnbc.com time to read: +2 min

Erin Collins, national taxpayer advocate at the Taxpayer Advocate Service, speaks at a Senate Appropriations subcommittee hearing in Washington, D.C., on May 19, 2021. Many taxpayers are experiencing "long delays and uncertainty" amid a backlog of roughly 1.4 million pandemic-era small business tax credit claims, according to the National Taxpayer Advocate. "It’s time for the IRS to be transparent on how and when it plans to move forward addressing these ERC claims," she wrote. Some 85% of pending ERC claims are more than 120 days old. "The IRS is between the proverbial rock and a hard place when it comes to ERC claims," Collins said in a statement.

Persons: Erin Collins, Collins Organizations: Taxpayer Advocate Service, Washington , D.C, National Taxpayer, ERC, IRS, Finance Locations: Washington ,, U.S

☆ Great savers could face a 'tax time bomb' in retirement, advisor says — here's how to avoid it
▼ + stars: | 2024-06-25 | by ( Kate Dore | Cfp | ) www.cnbc.com time to read: +1 min

If you're nearing retirement with a large pre-tax 401(k) plan or individual retirement account balance, you need a plan for managing future levies, financial experts say. Great savers could face a "tax time bomb" in retirement when required withdrawals kick in, said certified financial planner Scott Bishop, partner and managing director of Presidio Wealth Partners in Houston. RMDs are typically tied to pre-tax retirement accounts, which incur regular income taxes for withdrawals. Those RMDs could push some retirees into a higher tax bracket, according to Bishop, who is also a certified public accountant. Those lower rates are scheduled to sunset after 2025 without an extension from Congress.

Persons: Scott Bishop, Joe Biden Organizations: Presidio Wealth Partners, Finance Locations: Houston

☆ 401(k) plan savings rates are at record-high levels — here's where your target should be
▼ + stars: | 2024-06-24 | by ( Kate Dore | Cfp | ) www.cnbc.com time to read: +1 min

The average 401(k) savings rate — including employee deferrals and company contributions — has maintained historic levels as plan designs make it easier for workers to set money aside. In 2023, the average combined savings rate was an estimated 11.7%, which matched a record high from 2022, according to Vanguard's yearly analysis of more than 1,500 qualified plans and nearly 5 million participants. A separate Fidelity report also found record savings with a combined rate of 14.2% for the first quarter of 2024. And 43% of employees increased their savings rate that year, Vanguard reported. In 2023, an estimated 14% of participants hit the 401(k) deferral limit, which was $22,500 for savers under age 50, Vanguard found.

Persons: deferrals, —, Dave Stinnett Organizations: Vanguard, Finance

☆ Supreme Court rejects challenge to tax on foreign investments — but avoids wealth tax debate
▼ + stars: | 2024-06-21 | by ( Kate Dore | Cfp | ) www.cnbc.com time to read: +1 min

An exterior view of the Supreme Court on June 20, 2024 in Washington, DC. In a closely watched case, the Supreme Court on Thursday denied a challenge to a federal tax on certain foreign investments — but left questions about whether a wealth tax is constitutional. The provision was enacted via the Republicans' 2017 tax overhaul to help pay for the legislation's other tax breaks. While the Supreme Court upheld the tax on the Moores, the justices steered clear of the broader debate on whether a wealth tax is constitutional. He emphasized the limited scope of the opinion and how it only addressed the "precise and narrow question" of the Moore's case.

Persons: Moore, Moores, Xers, haven't, Brett Kavanaugh Organizations: Republicans, Finance, Trump, Moores Locations: Washington , DC, United States, Washington, India

☆ IRS to reject billions of dollars in ‘improper’ pandemic-era small business tax credit claims
▼ + stars: | 2024-06-21 | by ( Kate Dore | Cfp | ) www.cnbc.com time to read: +2 min

Danny Werfel, IRS commissioner, speaks after being ceremonially sworn in at the IRS headquarters in Washington on April 4, 2023. The IRS will deny billions of dollars' worth of claims for a pandemic-era tax break while working to process lower-risk filings, the agency said on Thursday afternoon. Enacted to support small businesses during the Covid-19 pandemic, the employee retention credit, or ERC, is worth thousands of dollars per eligible employee. However, the agency stopped processing new filings in September amid a surge of "questionable claims," the IRS said in a news release. Overall, compliance efforts for erroneous ERC claims have topped more than $2 billion since last fall, the IRS said.

Persons: Danny Werfel, Xers, Werfel Organizations: IRS, ERC, Finance, Social Security Locations: Washington

☆ Trump tax breaks are set to expire after 2025. Here's what advisors are telling their clients
▼ + stars: | 2024-06-18 | by ( Kate Dore | Cfp | ) www.cnbc.com time to read: +1 min

With trillions of dollars in tax breaks scheduled to expire after 2025, financial advisors are working with clients to prepare for the looming tax cliff. Enacted by former President Donald Trump, the Tax Cuts and Jobs Act of 2017, or TCJA, included lower federal income tax brackets, bigger standard deductions and higher gift and estate tax exemptions, among other provisions. If Congress doesn't take action, those tax breaks will sunset after 2025. And if the TCJA provisions expire, more than 60% of tax filers could face increased taxes, according to the Tax Foundation. Here are some tax strategies advisors are discussing with their clients.

Persons: Donald Trump, Jim Guarino, Baker Newman Noyes, Mary, Guarino Organizations: Tax, Finance Locations: Woburn , Massachusetts

☆ Treasury, IRS unveil plan to close ‘major tax loophole’ used by large partnerships
▼ + stars: | 2024-06-17 | by ( Kate Dore | Cfp | ) www.cnbc.com time to read: +1 min

IRS Commissioner Danny Werfel testifies before the House Appropriations Committee in Washington, D.C., on May 7, 2024. The U.S. Department of the Treasury and the IRS on Monday unveiled a plan to "close a major tax loophole" used by large, complex partnerships, which could raise more than an estimated $50 billion in tax revenue over the next 10 years. "These tax shelters allow wealthy taxpayers to avoid paying what they owe," IRS Commissioner Danny Werfel told reporters on a press call Friday. They also released a revenue ruling on related-party partnership transactions involving basis shifting without "economic substance" for the parties or "substantial business purpose." The plan builds on ongoing IRS efforts to increase audits on the wealthiest taxpayers, large corporations and complex partnerships.

Persons: Danny Werfel, Biden, Janet Yellen Organizations: Washington , D.C, U.S . Department of, Treasury, Finance, Taxpayers, Democrats, Wall, IRS Locations: Washington ,

☆ IRS: Taxpayers may avoid a penalty by making a second-quarter estimated payment by June 17
▼ + stars: | 2024-06-14 | by ( Kate Dore | Cfp | ) www.cnbc.com time to read: +1 min

The second-quarter estimated tax deadline for 2024 is June 17, and you could owe a penalty if you don't send a payment, according to the IRS. You typically owe estimated tax payments for income without withholdings, such as from contract jobs, freelancing or gig economy work, or if you run a small business. But quarterly estimated tax payments are not just for the self-employed or small business owners, experts say. You must make quarterly estimated tax payments if you expect to have at least $1,000 in tax liability or more on your 2024 return. For the 2024 tax year, the estimated tax deadlines are April 15, June 17, Sept. 16 and Jan. 15, 2025.

Persons: Kelly Renner Organizations: Finance, Biden, Partners Locations: Augusta , Georgia

☆ Biden economic advisor unveils 'key principles' for tax policy plan ahead of expiring Trump tax cuts
▼ + stars: | 2024-06-13 | by ( Kate Dore | Cfp | ) www.cnbc.com time to read: +1 min

Director of the National Economic Council Lael Brainard speaks at the White House in Washington, D.C., on Jan. 11, 2024. President Joe Biden's top economic advisor on Thursday unveiled plans to address trillions of dollars in expiring tax breaks enacted by former President Donald Trump. Some expiring individual provisions include lower federal income tax brackets, a higher standard deduction, a more generous child tax credit and doubled estate and gift tax exemption, among others. Expiring TCJA provisions could affect all Americans, but Brainard reaffirmed Biden's pledge to extend tax breaks only for those making less than $400,000. By comparison, former President Donald Trump has said he plans to extend all expiring TCJA provisions.

Persons: Lael Brainard, Joe Biden's, Donald Trump, Biden, Brainard, Biden's Organizations: National Economic, White, Washington , D.C, Tax, Finance, Fed Locations: Washington ,

☆ Senate Democrats call for higher taxes on Wall Street profits to address federal budget deficit
▼ + stars: | 2024-06-13 | by ( Kate Dore | Cfp | ) www.cnbc.com time to read: +1 min

Senator Chuck Grassley, a Republican from Iowa and ranking member of the Senate Budget Committee, during a hearing in Washington, DC, on Tuesday, March 12, 2024. As Congress wrestles with a looming decision over trillions in expiring tax breaks, lawmakers and experts in a Senate Budget Committee hearing debated several Democratic proposals for higher taxes on corporations and wealthy Americans. Proponents said the plans aim to address income inequality and the federal budget deficit. However, many of these proposals, such as reforms to carried interest, have failed to gain broad support even among Democrats, said Sen. Chuck Grassley, R-Iowa. While carried interest reform was originally included in the Inflation Reduction Act, those changes were removed before the bill passed in the Senate.

Persons: Chuck Grassley, Joseph Stiglitz, Sen, Mitt Romney Organizations: Republican, Finance, Biden, Trump, Columbia University, Senate Locations: Iowa, Washington ,, R, Utah

☆ Biden and Trump both want to extend tax cuts for most Americans — but paying for it could be tricky
▼ + stars: | 2024-06-11 | by ( Kate Dore | Cfp | ) www.cnbc.com time to read: +1 min

Presumptive nominees President Joe Biden and former President Donald Trump have both pledged to extend expiring tax breaks for most Americans — but questions remain on how to pay for it. Trillions in tax breaks enacted by Trump via the Tax Cuts and Jobs Act of 2017, or TCJA, will expire after 2025 without action from Congress. Expiring individual provisions include lower federal income brackets, higher standard deductions, a more generous child tax credit and more. But the federal budget deficit will be a "huge sticking point" as the 2025 tax cliff approaches, said Erica York, senior economist and research manager with the Tax Foundation's Center for Federal Tax Policy. The cost of extending major parts of the TCJA has grown about 50% since initial estimates in 2018, according to the Committee for a Responsible Federal Budget.

Persons: Joe Biden, Donald Trump, Erica York Organizations: Trump, Tax, Center, Federal Tax, Finance, Congressional, Budget

☆ Strasbourg for Book Lovers
▼ + stars: | 2024-06-10 | by ( Seth Sherwood | ) www.nytimes.com time to read: +1 min

Attention, bibliophiles: Put Strasbourg, the largest city in eastern France, on your radar. Once home to the godfather of publishing — the 15th-century printing-press pioneer Johannes Gutenberg — the city is the UNESCO World Book Capital for 2024. The annual Fête des Imprimeurs on June 29 and 30 in Place Gutenberg will showcase all of the trades involved in bookmaking, including through interactive workshops. But the UNESCO events aren’t the only reasons to visit. Strasbourg has many spots for the literary-minded that are permanent fixtures, from comic shops and indie book emporiums to historical libraries and antiquarian specialists.

Persons: Johannes Gutenberg, Gustave Doré —, Julie Doucet, Gutenberg Organizations: UNESCO, Capital, Imprimeurs Locations: Strasbourg, France, Quebec, Gutenberg, Mainz, Germany

☆ The tax deadline for American expats is June 17 — here are some key things to know
▼ + stars: | 2024-06-10 | by ( Kate Dore | Cfp | ) www.cnbc.com time to read: +1 min

If you're living and working abroad and still need to file 2023 taxes, the deadline is only one week away. While the regular tax deadline was April 15 for most taxpayers, there's an automatic two-month extension to June 17 for those U.S. citizens and resident aliens, including dual citizens, who live outside the country. There are two ways to qualify for the June 17 deadline, according to the IRS. You must live outside of the U.S. and Puerto Rico or serve in the military outside the country during the regular tax deadline. The "fastest and easiest" ways to make payments are via an IRS Online Account, Direct Pay and the Electronic Federal Tax Payment System, according to the IRS.

Persons: John Lennon, Mike Wallace Organizations: Finance, Biden, Trump, IRS, Tax Services, Electronic Locations: Puerto Rico

☆ Biden vs. Trump: Here's what the next president means for your taxes
▼ + stars: | 2024-06-08 | by ( Kate Dore | Cfp | ) www.cnbc.com time to read: +3 min

Howard Gleckman Senior fellow at the Urban-Brookings Tax Policy CenterOf course, future legislative updates, if any, will depend on which party controls Congress. More generous child tax creditAnother expiring TCJA provision is the bigger child tax credit, which some lawmakers have fought to expand in 2024. The TCJA doubled the maximum child tax credit to $2,000, boosted the refundable portion to $1,400 and expanded eligibility. Biden has called for an expansion, but there have been debates in Congress over the child tax credit design, including the amount, eligibility and refundability, said Gleckman. Fully extending the TCJA tax breaks could add an estimated $4.6 trillion to the deficit over the next decade, according to the Congressional Budget Office.

Persons: Joe Biden, Donald Trump, Chip Somodevilla, Alex Wong, Howard Gleckman, Garrett Watson, Biden, Trump, Gleckman, Watson, Lael Brainard Organizations: Urban, Brookings Tax, Tax, Center, Congressional Locations: Lower, China

☆ These tax strategies can be a 'silver lining' after a prolonged job layoff, advisor says
▼ + stars: | 2024-06-07 | by ( Kate Dore | Cfp | ) www.cnbc.com time to read: +1 min

"It's not a free lunch" because you'll still owe regular income taxes on the converted balance, she said. Converting funds to a Roth IRA "can be a great opportunity for tax-free growth and future tax-free distributions," Franco‑Cicero said. Leverage the 0% capital gains bracketIf your income is low enough, you could leverage the 0% long-term capital gains tax bracket to rebalance a taxable portfolio or save on future taxes, experts say. For 2024, you may qualify for the 0% long-term capital gains rate with taxable income of $47,025 or less for single filers and $94,050 or less for married couples filing jointly. That's because the bracket is based on taxable income, which is calculated by subtracting the greater of the standard or itemized deductions from your adjusted gross income.

Persons: Alvaro Gonzalez, Roth, CFP Catalina Franco ‑ Cicero, Tobias, you'll, Franco ‑ Cicero, Quinones Organizations: CFP Catalina Locations: Plantation , Florida

☆ Mega backdoor Roth conversions can boost tax-free growth — if you avoid these mistakes
▼ + stars: | 2024-06-06 | by ( Kate Dore | Cfp | ) www.cnbc.com time to read: +1 min

Mega backdoor Roth conversions can significantly boost tax-free retirement savings — but this maneuver is not available for all investors and mistakes are common, experts say. A mega backdoor Roth conversion involves after-tax 401(k) contributions, which are shifted to Roth accounts. The full 401(k) limit is $69,000 for 2024, including employee deferrals, employer matches, profit sharing and other deposits. Mega backdoor Roth conversions are "a great tool when used appropriately," but you need to know your goals first, said certified financial planner Jamie Clark, founder of Ruby Pebble Financial Planning in Seattle. More from Personal Finance:Mega backdoor Roth conversions can be a 'no brainer' for higher earners, expert saysWhy a five-day return to office is unlikely, Stanford economist saysHere's how 'spaving' could hurt your financesHere are some common mega backdoor Roth conversion mistakes and how to avoid them, according to experts.

Persons: Roth, deferrals, Jamie Clark, Stanford, Here's Organizations: Ruby, Financial, Finance, Mega Locations: Seattle

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