Strategic Income Timing 收入确认时点优化策略

Managing how and when you realize income—especially during transition years like retirement—allows for the optimization of tax brackets. This includes:

• Roth Conversions: Filling lower tax brackets now to avoid higher rates later.

• Tax-Loss Harvesting: Offsetting capital gains with losses to lower the current year's liability.

管理实现收入的时间点——尤其是在退休等人生中的转型年份——有助于优化税率档位。这包括：

• Roth转换 ： 趁现在处于较低税率档位时进行转换，以避免未来面临更高税率。

• 税务亏损收割 ： 利用投资亏损抵销资本利得，从而降低当年的税务负担。