报税气死我了！！求牛人科普！关键字back door IRA, cohn reznick-第2页

yshe

0操作21 ^#

我觉得没错，你ira是tax deferred, 就是没收税，你convert到roth ira, roth ira是税后的，这个5500是应该收税的，所以8606 的15项是5500，只收了你一次税啊。

天子呼来不上床

0操作22 ^#

我的不是deferred!拜托先了解一下什么是nondeductible ira吧！

落地无声

0操作23 ^#

对啊！真是气死了我。这么大个公司天天报税居然连1099r都不熟！！

天子呼来不上床发表于 4/15/2016 1:05:10 PM [url=http://forums.huaren.us/showtopic.aspx?topicid=2000515&postid=71417575#71417575][/url]

我一个朋友前两年也因为这个cpa报错，现在罚款几千。。。。

落地无声

0操作24 ^#

我觉得没错，你ira是tax deferred, 就是没收税，你convert到roth ira, roth ira是税后的，这个5500是应该收税的，所以8606 的15项是5500，只收了你一次税啊。

yshe 发表于 4/15/2016 1:29:56 PM [url=http://forums.huaren.us/showtopic.aspx?topicid=2000515&postid=71417868#71417868][/url]不是的， lz的5500刀是税后的钱放入traditional ira因为她不符合traditional ira税前入和roth ira的条件（收入高）

yshe

0操作25 ^#

Let's suppose that you're 30 years old, you don't have any traditional IRA accounts, you make a maximum contribution of $5,500 to a traditional IRA, you're covered by a retirement plan at work, and your MAGI exceeds the level for receiving a deduction for your contribution. After your nondeductible traditional IRA contribution has been credited to your account, you can immediately do a Roth IRA conversion. Since there are no earnings, 100% of your conversion will be nontaxable. This is referred to as a backdoor Roth IRA conversion. ========== Don't forget about other traditional IRA accounts Let's assume in our previous example that you have another traditional IRA account that was rolled over from a 401(k) plan with a value of $100,000. Would 100% of your backdoor Roth IRA conversion still be nontaxable? The nontaxable amount of your Roth IRA conversion would be equal to your conversion of $5,500 multiplied by a fraction equal to your nondeductible contribution of $5,500 divided by the total value of all of your traditional IRA accounts of $105,500, or 5,500 x $5,500/$105,500, or $287. This results in a taxable amount of $5,213 ($5,500 - $287), or 95% of your conversion amount. Quite a different result compared with the situation where you had no other traditional IRA accounts. The backdoor Roth IRA conversion is a great strategy for transferring a nondeductible tax-deferred IRA contribution into a tax-free situation provided that (a) you have no other traditional IRA funds, or (b) the value of your other IRA's is less than or equal to the basis in your IRA accounts.

天子呼来不上床

0操作26 ^#

你朋友也是Cohn reznick报的吗？这个真的是全国最大的national firm了吧？这么贵的收费！！我以前都是看都不看就签名了。以后得一页页看了。完全被他们专业知识惊呆了！

cdsanya

0操作27 ^#

back door IRA mark for read.

Caprisunny

0操作28 ^#

my financial adviser commented that CPAs usually don't know about back door IRA. But what can LZ do now?

ashrimp

0操作29 ^#

Let's suppose that you're 30 years old, you don't have any traditional IRA accounts, you make a maximum contribution of $5,500 to a traditional IRA, you're covered by a retirement plan at work, and your MAGI exceeds the level for receiving a deduction for your contribution. After your nondeductible traditional IRA contribution has been credited to your account, you can immediately do a Roth IRA conversion. Since there are no earnings, 100% of your conversion will be nontaxable. This is referred to as a backdoor Roth IRA conversion.
==========
Don't forget about other traditional IRA accounts

Let's assume in our previous example that you have another traditional IRA account that was rolled over from a 401(k) plan with a value of $100,000. Would 100% of your backdoor Roth IRA conversion still be nontaxable?

The nontaxable amount of your Roth IRA conversion would be equal to your conversion of $5,500 multiplied by a fraction equal to your nondeductible contribution of $5,500 divided by the total value of all of your traditional IRA accounts of $105,500, or 5,500 x $5,500/$105,500, or $287. This results in a taxable amount of $5,213 ($5,500 - $287), or 95% of your conversion amount. Quite a different result compared with the situation where you had no other traditional IRA accounts.

The backdoor Roth IRA conversion is a great strategy for transferring a nondeductible tax-deferred IRA contribution into a tax-free situation provided that (a) you have no other traditional IRA funds, or (b) the value of your other IRA's is less than or equal to the basis in your IRA accounts.
yshe 发表于 4/15/2016 1:51:20 PM [url=http://forums.huaren.us/showtopic.aspx?topicid=2000515&postid=71418111#71418111][/url]

是的，这也是我想问楼主的问题，楼主有没有其他IRA Account？我自己因为有几万的前公司401K，不愿意按比例交税，若干年来一直没有走BackDoor Roth的路子

fucka

0操作30 ^#

w2 only报税还要这么多钱？我每年义务一步步帮着朋友报税，一年得报六七个家庭的，连个请我吃饭的都没有过啊。。。

sunkiss

0操作31 ^#

这个解释靠谱

fucka

0操作32 ^#

我觉得没错，你ira是tax deferred, 就是没收税，你convert到roth ira, roth ira是税后的，这个5500是应该收税的，所以8606 的15项是5500，只收了你一次税啊。

yshe 发表于 4/15/2016 1:29:56 PM [url=http://forums.huaren.us/showtopic.aspx?topicid=2000515&postid=71417868#71417868][/url]

标题写了backdoor ira啊，lz的5500没拿到tax benefit，没有少交过一分钱的税
楼主说的处理方式是对的，这个会计师所不够专业

nitrogensec

0操作33 ^#

自己用turbo tax 几十块钱就搞定了。back door不需要再交税了。但是软件里也要选对选项才能算对。Google一下就可以了。很多tax firm季度性抱个人稅的都是临时培训上岗的。水平良莠不齐。自己的税还是自己花点时间搞明白。每年都用同一软件，很容易就搞定了。

fucka

0操作34 ^#

是的，turbotax会知道这是non-deductable IRA thus no tax increase 那些Tax firm其实并不靠谱

bjjww

0操作35 ^#

存着，以后慢慢学习最怕tax 头疼

Let's suppose that you're 30 years old, you don't have any traditional IRA accounts, you make a maximum contribution of $5,500 to a traditional IRA, you're covered by a retirement plan at work, and your MAGI exceeds the level for receiving a deduction for your contribution. After your nondeductible traditional IRA contribution has been credited to your account, you can immediately do a Roth IRA conversion. Since there are no earnings, 100% of your conversion will be nontaxable. This is referred to as a backdoor Roth IRA conversion. ========== Don't forget about other traditional IRA accounts Let's assume in our previous example that you have another traditional IRA account that was rolled over from a 401(k) plan with a value of $100,000. Would 100% of your backdoor Roth IRA conversion still be nontaxable? The nontaxable amount of your Roth IRA conversion would be equal to your conversion of $5,500 multiplied by a fraction equal to your nondeductible contribution of $5,500 divided by the total value of all of your traditional IRA accounts of $105,500, or 5,500 x $5,500/$105,500, or $287. This results in a taxable amount of $5,213 ($5,500 - $287), or 95% of your conversion amount. Quite a different result compared with the situation where you had no other traditional IRA accounts. The backdoor Roth IRA conversion is a great strategy for transferring a nondeductible tax-deferred IRA contribution into a tax-free situation provided that (a) you have no other traditional IRA funds, or (b) the value of your other IRA's is less than or equal to the basis in your IRA accounts. yshe 发表于 4/15/2016 1:51:00 下午 [url=http://forums.huaren.us/showtopic.aspx?topicid=71418111&postid=71418111#71418111][/url]

blueclue

0操作36 ^#

回复 [url=http://forums.huaren.us/showtopic.aspx?topicid=2000515&postid=71418964#71418964]30楼fucka的帖子[/url] 义务的？这种事情还是不要做，那么多人的social都给你知道了...

天子呼来不上床

0操作37 ^#

my financial adviser commented that CPAs usually don't know about back door IRA. But what can LZ do now?
Caprisunny 发表于 4/15/2016 2:30:35 PM [url=http://forums.huaren.us/showtopic.aspx?topicid=2000515&postid=71418737#71418737][/url]

我只能等cpa有空了以后再跟他们吵啊。
反正去年前年的肯定要amend,希望他们承认错误，今年开始不要再错了。如果他们死不承认错误，我只好以后不做 conversion了。

fucka

0操作38 ^#

回复 [url=http://forums.huaren.us/showtopic.aspx?topicid=2000515&postid=71418964#71418964]30楼fucka的帖子[/url]

义务的？
这种事情还是不要做，那么多人的social都给你知道了...
blueclue 发表于 4/15/2016 3:01:30 PM [url=http://forums.huaren.us/showtopic.aspx?topicid=2000515&postid=71419239#71419239][/url]

知道好多年了，还有住址，我还知道一个朋友的银行账号密码，又如何呢，我也没打算做坏事

天子呼来不上床

0操作39 ^#

是的，这也是我想问楼主的问题，楼主有没有其他IRA Account？我自己因为有几万的前公司401K，不愿意按比例交税，若干年来一直没有走BackDoor Roth的路子

ashrimp 发表于 4/15/2016 2:31:00 PM [url=http://forums.huaren.us/showtopic.aspx?topicid=2000515&postid=71418741#71418741][/url]

当然就是没有啊，我没有任何deductible contribution,没有任何income in the traditional ira.就是简单的不能再简单的例子了，所以我才觉得他们是猪啊。
我觉得personal tax是非常straight forward的东西，就两个原则，all income should be taxed once at fed level unless specifically exempted；no income other than dividends should be taxed twice at fed level.然后所有的form都是为了track taxable/non taxable basis.只要是个人，读一遍instruction,Google 10分钟，什么不会啊。所以完全不可以理解他们的智商。

天子呼来不上床

0操作40 ^#

是的，turbotax会知道这是non-deductable IRA thus no tax increase

那些Tax firm其实并不靠谱
fucka 发表于 4/15/2016 2:53:49 PM [url=http://forums.huaren.us/showtopic.aspx?topicid=2000515&postid=71419120#71419120][/url]

对啊！我真是气死了。问题是跟我吵架的cohn reznick的partner,要是chinatown/hr block 100块钱的会计我就自认倒霉了。