{"id":15,"date":"2026-09-10T12:00:00","date_gmt":"2026-09-10T12:00:00","guid":{"rendered":"http:\/\/blogs.room-vu.com\/nelson-financialgroup-com\/2026\/09\/10\/us-retirement-accounts-need-smart-tax-planning\/"},"modified":"2026-09-10T12:00:00","modified_gmt":"2026-09-10T12:00:00","slug":"us-retirement-accounts-need-smart-tax-planning","status":"publish","type":"post","link":"https:\/\/www.nelson-financialgroup.com\/blog\/2026\/09\/10\/us-retirement-accounts-need-smart-tax-planning\/","title":{"rendered":"US Retirement Accounts Need Smart Tax Planning"},"content":{"rendered":"<div class=\"video-zmyer\">\n<div class=\"video-frame-zmyer\">\n        <iframe loading=\"lazy\" width=\"640\" height=\"640\" src=\"https:\/\/www.roomvu.com\/agent\/embed\/robert-nelson-4\/tax-deferred-bomb-6509\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><br \/>\n        <\/iframe>\n    <\/div>\n<div class=\"video-description-zmyer\">\n<p>Big pretax 401(k) and IRA balances can create future required withdrawals, potentially raising taxes on Social Security and Medicare premiums if planning waits too long.<br \/>\nOne strategy is tapping tax-deferred accounts gradually while selling appreciated assets within current capital-gains thresholds, helping shrink balances over time and reduce later required withdrawals.<br \/>\nAnother option is converting part of a traditional IRA or 401(k) during lower-income gap years before required withdrawals begin, moving future growth into tax-free accounts.<br \/>\nA federal law also means heirs generally must empty inherited tax-deferred accounts within 10 years, making estate planning important for families with sizable balances.<br \/>\nStarting next year, workers over 50 earning &gt;$150K will have to make catch-up contributions to after-tax accounts, a change aimed at limiting future pretax buildup.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Big pretax 401(k) and IRA balances can create future required withdrawals, potentially raising taxes on Social Security and Medicare premiums if planning waits too long. One strategy is tapping tax-deferred accounts gradually while selling appreciated assets within current capital-gains thresholds, helping shrink balances over time and reduce later required withdrawals. Another option is converting part [&hellip;]<\/p>\n","protected":false},"author":459,"featured_media":16,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-15","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/www.nelson-financialgroup.com\/blog\/wp-json\/wp\/v2\/posts\/15","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.nelson-financialgroup.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.nelson-financialgroup.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.nelson-financialgroup.com\/blog\/wp-json\/wp\/v2\/users\/459"}],"replies":[{"embeddable":true,"href":"https:\/\/www.nelson-financialgroup.com\/blog\/wp-json\/wp\/v2\/comments?post=15"}],"version-history":[{"count":0,"href":"https:\/\/www.nelson-financialgroup.com\/blog\/wp-json\/wp\/v2\/posts\/15\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.nelson-financialgroup.com\/blog\/wp-json\/wp\/v2\/media\/16"}],"wp:attachment":[{"href":"https:\/\/www.nelson-financialgroup.com\/blog\/wp-json\/wp\/v2\/media?parent=15"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.nelson-financialgroup.com\/blog\/wp-json\/wp\/v2\/categories?post=15"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.nelson-financialgroup.com\/blog\/wp-json\/wp\/v2\/tags?post=15"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}