자영업 부부가 은퇴 연금을 잘 받으려면? - ASK미국

c**o**** 님 답변 답변일 5/22/2010 6:49:25 AM

세금 신고액이 만불이라면 그냥 그대로 계속 하시고
세금 내신 액수가 만불이라면 그것도 그냥 계속 하세요
관계 없습니다.

y**ngshinja**** 님 답변 답변일 5/22/2010 7:03:07 AM

귀하의 경우에는 현재의 소셜시큐리티 시스템으로는 한쪽으로 몰아서 보고하는 것이 더 유리하도록 되어 있습니다.

예를들어 자영업자가 5만불 + 5만불을 나눠서 보고하는 것과, 10만불 + 0 (dependant)로 보고한다고 가정할 때, 나눠서 보고한 사람은 5만불에 대한 납세금액에 따라 66세에 받게 될 것이고, 혼자소득으로 보고한 사람은 10만불에 납세금액에 따라서 받게 됩니다. 당연히 혼자소득으로 보고한 사람이 많이 받게 될 것입니다.

그 이후에 배우자가 66세가 되면, 전자의 경우는 배우자는 본인의 소득 5만불에 대한 납세금액을 기준으로 받게되고, 후자의 경우는 배우자가 남편 수혜금액의 절반을 받게 됩니다.

t**612**** 님 답변 답변일 5/22/2010 11:39:47 AM

QUOTE,"... 은퇴 후 연금을 최대한으로 받으려면 어떻게 하는 것을 좋은 방법인가요...현재의 방법으로 세금을 내는 것이 좋을지 ..?"-- yo bud, in this particular situation, what u need to consider about first is "the marriage penalty" concept: what i m sayin' b that When it comes to taxing Social Security, the marriage penalty is very much alive and well. For instance, u noe what, older married couples that have modest incomes and receive Social Security benefits must pay tax on their benefits as u noe if their "base amount" is more than $32,000. (The "base amount" is the married couple's combined adjusted gross income, as reported on their tax return, plus interest from tax-exempt investments, plus 50% of their combined Social Security benefits. I guesss, it is also called "provisional income basis") In contrast, if u or ur spouse in an Married filing separate, then couple pays taxes on Social Security benefits only if his or her "base amount" is more than $25,000. That would mean that, as a couple, married filing separately, ur base amount could be as high as $50,000 before u guys had to pay taxes on Social Security benefits.; So to speak, under the married filing separately, by splitting 50% of the social security benefits respectively between u and ur spouse, u guys can save( paying less) taxes on the social security benefit distributions.
" 아니면 저와 아내 이름으로 반반씩 내는 것이 나을까요?"---NO!. To sum it up, MFJ status pays less taxes on ur social security benefit distributions in MARRIED PENALTY concept.. WHAT I MEAN b that MFJ filing status b good ONLY WHEN if ur spouse earned social sec. benefit substantially less than u or vice versa,WHY? Becoz the couple, i mean u guys, could have received a marriage bonus. If not, married filing separately'd be beneficial in terms of paying less taxes on u guys' soc. sec. benefits. REMEMBER! U guys may either get a tax bonus as said above or pay a tax penalty on the same total income, depending on what the income split is between u and ur spouse. So, please contact ur tax preparer to askfor advice.

l**elb**** 님 답변 답변일 5/22/2010 2:14:23 PM

세금 내는 액수가 적은 경우는 어떠한지 궁금하네요.
예를들어 3천불 정도인 경우도 제 이름으로만 세금을 내는것이 좋은지요?

t**612**** 님 답변 답변일 5/22/2010 4:50:07 PM

QUOTE,"... 예를들어 3천불 정도인 경우도 제 이름으로만 세금을 내는것이 좋은지요?"--Yes, Why?? U MAY still enjoy ur marriage BONUS, meaning paying less taxes on ur soc. sec. benefits UNLESS ur future provisional soc. sec. income would b low( i guess less than$ 32,000 per annum)!!!!! I believe that it purely depends on ur expected "PROVISIONAL INCOME" amount in the future when u begin receving ur social sec. benfit distributions; As I said, if u expect ur future PROVISIONAL soc. sec. income is less than $32,000 in 2009 and u file ur tax return as Married filing jointly, then there wouldn't b any taxes on ur soc.sec. income(PROVISIONAL INCOME) but its amount would be betwenn $32,000 and $44,000, then u'd better earn ur soc. sec. income substantially less than ur spouse or vice versa to get marraige bonuses so that u guys could reduce taxes on ur soc.sec. income! C what I mean???

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