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Finance/Tax/Banking

[Tax] ¹ð°¡µå IRA Recharacterization½Ã earning °ú ÀÌÀ¯
12.--.167.226 4/10/2024 (15:24:14)
¾îÁ¦ ¿©±â¼­ Cilantro ´Ô µµ¿òÀ» ¹Þ¾Æ¼­ ¹ð°¡µå¿¡¼­ 2023³â¿¡ ³³ÀÔÇÑ Roth IRA ÀϺθ¦ Traditional IRA·Î ¿Å°å¾î¿ä(Recharacterization Request). ÀÌ°ÍÀÌ Ã³¸®°¡ µÇ°í ³ª¸é ¼¼±Ý º¸°í¸¦ ÇÏ·Á°í ±â´Ù¸®°í Àִµ¥, ¾ÆÁ÷ ¹ð°¡µå À¥»çÀÌÆ®¿¡¼­´Â ¿äû¸¸ ¹Þ¾Ò´Ù¶ó°í Status°¡ ¶°¼­ 4/15ÀϱîÁö ÄÁÆ߸ÞÀÏ ¸ø¹ÞÀ»±îºÁ ¸¶À½ÀÌ Á¶±ÞÇϳ׿ä. º¸Åë Turbo tax·Î º¸°í¸¦ Çϴµ¥ ¿©±â¼­ Recharacterization¿¡¼­ »ý±ä earningÀ̳ª loss ¸¦ ³Ö´Â ¶õÀÌ Àִµ¥ Ȥ½Ã ÀÌ °è»ê¹ýÀ» ¾Æ½Ã³ª¿ä? À۳⿡ µÎ¹ø¿¡ °ÉÃÄ(3¿ù¿¡ $2000, 4¿ù¿¡ $4500) ³Ö¾ú°í ¿ÃÇØ 2¿ù¿¡ 2024³â°Í $7000À» ³ÖÀº »óÅÂÀÌ°í Áö±Ý ¸ðµÎ ¸Ó´Ï¸¶ÄÏ¿¡ ÀÖ¾î¿ä. º¸Åë ÀÌ ±Ý¾×(¾î´×) ¿ª½Ã ¹ð°¡µå¿¡¼­ Recharacterization¸¦ ó¸®Çϸ頹ٷΠ¾Ë·ÁÁÖ³ª¿ä?  irs À¥»çÀÌÆ®¿¡µµ °è»ê¹ýÀÌ Àִµ¥ Á» Çò°¥·Á¼­¿ä.
±×¸®°í turbo tax¿¡¼­ Recharacterization reasonÀ» ¾²¶ó°í Çϴµ¥ to reduce taxable incomeÀ̶ó°í Çصµ µÉ±î¿ä?

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