法蘭克時間:
2025 年稅法改變
生前信托免稅額調高至3千萬 房產稅、州稅，抵扣額也提高至 $40,000.
401k $8,000 Catch Up 必須放在Roth
六十五歲以上多了$6,000 tax deduction.
稅法在變，財務規劃也要變
03/07/2026（星期六） 10 AM Fremont
*FREMONT ADDRESS: 2090 Warm Spring Ct, Suite 148, Fremont, CA 94539
03/07/2026（星期六） 2 PM Cupertino
*CUPERTINO ADDRESS: 10054 Pasadena Ave, Cupertino, CA 95014
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灣區退休後，每年要負擔的property tax就要$1萬5，醫療保費也要$1萬2！出去旅行, 夫婦兩個要$2萬塊！還有PG&E又要漲價，就算房屋沒貸款，房屋保險年漲，退休以後，左手拿401K RMD, 右手拿SOCIAL SECURITY；喜歡拿錢，討厭交稅! 交了稅，可以用； 不交稅，不能用。到了60歲，太太都希望先生不要退休繼續工作，每個先生都很累不想再工作了，太太都覺得 我也照顧家裡30年了，該我享受了吧！其實夫婦兩個都沒有安全感，害怕現金流斷掉.當 401K碰到RMD, 還有SOCIAL SECURITY開始拿錢的時候，你的稅率會如何被影響？繳過稅的錢, 變成 「可以花的錢」 ，延稅、不繳稅的錢, 則變成遺産…你喜歡哪一種呢？
教您如何規劃退休以后依然有$18萬的現金流收入
如果您想要我們幫您橫向對比pros and cons，歡迎參加 3月7號“退休有錢用”線下講座！
致富理財 Frank Ho 法蘭克時間: 線下講座 講座
03/07/2026 (Sat.)
10 AM Fremont
2PM Cupertino
Cupertino Office:
10054 Pasadena Ave
Fremont Office::
2090 Warm Spring Ct. Suite 148
Fremont CA 94539
報名請按下面報名按鈕
電話 408-996-1118
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IF Direct LLC is an insurance agency with a network of affiliated, independently-owned offices that consists of carefully selected and experienced financial & insurance professionals.
Our businesses include sales and trading a wide range of insurance products including life, medical, long term care, disability and more. Our clients include domestic and international individuals, small businesses, corporations, financial intermediaries, and institutions.
As an insurance agency for changing times regardless of your investment goals, we have professionals who are eager to help you meet your goals. Our agents make every effort to build long-term relationships with clients, offering personalized attention and financial advice. We stay focused on the present while maintaining a clear vision of the future.
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