{"id":142,"date":"2011-06-10T23:01:00","date_gmt":"2011-06-10T23:01:00","guid":{"rendered":"https:\/\/retirebooja.com\/blog\/?p=142"},"modified":"2024-03-01T23:09:11","modified_gmt":"2024-03-01T23:09:11","slug":"%ec%97%ac%ec%84%b1%eb%93%a4%ec%9d%b4-%ec%95%8c%ec%95%84%ec%95%bc-%ed%95%a0-%ec%86%8c%ec%85%9c-%ec%8b%9c%ed%81%90%eb%a6%ac%ed%8b%b02","status":"publish","type":"post","link":"https:\/\/retirebooja.com\/blog\/%ec%97%ac%ec%84%b1%eb%93%a4%ec%9d%b4-%ec%95%8c%ec%95%84%ec%95%bc-%ed%95%a0-%ec%86%8c%ec%85%9c-%ec%8b%9c%ed%81%90%eb%a6%ac%ed%8b%b02\/","title":{"rendered":"\uc5ec\uc131\ub4e4\uc774 \uc54c\uc544\uc57c \ud560 \uc18c\uc15c \uc2dc\ud050\ub9ac\ud2f0(2)"},"content":{"rendered":"\n

\uc804\uc5c5 \uc8fc\ubd80\uc758 \uc5f0\ubd09\uac00\uce58\uac00 \ud3c9\uade0 10\ub9cc \ub2ec\ub7ec \uc774\uc0c1\uc5d0 \uc774\ub978\ub2e4\ub294 \uc870\uc0ac \uacb0\uacfc\uac00 \uc788\uc5c8\ub2e4. \uc774\ub97c \ud604\uc2e4\uc801\uc73c\ub85c \uc18c\uc15c\uc2dc\ud050\ub9ac\ud2f0 \ud0dd\uc2a4\ub85c \uacc4\uc0b0\ud55c\ub2e4\uba74 \uc57d 1\ub9cc 5\ucc9c 3\ubc31\ub2ec\ub7ec\uac00 \ub41c\ub2e4. \uc9c1\uc7a5\uc744 \ub2e4\ub2c8\uba74 \uace0\uc6a9\uc8fc\uac00 \uc808\ubc18\uc744 \ub2f4\ub2f9\ud558\uc9c0\ub9cc \uc5ec\uc131 \uc790\uc601\uc5c5\uc790\ub77c\uba74 \uace0\uc2a4\ub780\ud788 \uc778\ucef4\ud0dd\uc2a4\uc640 \ud568\uaed8 \ub0b4\uc5b4\uc57c \ud55c\ub2e4.  \uc801\uc740 \ub3c8\uc774 \uc544\ub2c8\ub2e4. <\/p>\n\n\n\n

\uadf8\ub7ec\ub098 \uc774 \uc0ac\ud68c\ubcf4\uc7a5\uc138\ub294 \u201c\uc138\uae08\u201d\uc774\ub77c\uae30 \ubcf4\ub2e4 \u201c\ubcf4\ud5d8\u201d\uc5d0 \uac00\uae5d\ub2e4. \uc6b0\ub9ac\uac00 \uc77c\ud558\ub294 \ub3d9\uc548 \uc0ac\ud68c\ubcf4\uc7a5\uc138\ub97c \ub0b4\uba74 \uadf8\ub798\ub527\uc774 \ucd95\uc801\ub418\uace0 \uc774 \ud06c\ub798\ub527\uc740 \ubbf8\ub798\uc5d0 \uc740\ud1f4\uc5f0\uae08\uc73c\ub85c \uc9c0\ubd88\ub418\uba70 \uc0ac\ub9dd \ub4f1 \uc720\uc0ac\uc2dc\uc5d0 \uc5b4\ub9b0 \uc790\ub140\ub4e4\uae4c\uc9c0 \ud61c\ud0dd\uc744 \uc8fc\ub294 \u201c\ubcf4\ud5d8\u201d\uc758 \uc5ed\ud560\uc744 \ud558\uae30 \ub54c\ubb38\uc774\ub2e4. \ub610\ud55c 65\uc138\ubd80\ud130\ub294 \uba54\ub514\ucf00\uc5b4\uae4c\uc9c0 \ucee4\ubc84\ub418\uc5b4 \uc815\ubd80\uac00 \uc81c\uacf5\ud558\ub294 \uc800\ub834\ud55c \uc758\ub8cc\ud61c\ud0dd\ub3c4 \ubc1b\uc744 \uc218 \uc788\ub294 \uac83\uc774\ub2e4.<\/p>\n\n\n\n

\uc5ec\uc131\uc778 \uacbd\uc6b0 \uc18c\uc15c\uc2dc\ud050\ub9ac\ud2f0\uc5d0\uc11c \ubc1b\uc744 \uc218 \uc788\ub294 \ud61c\ud0dd\uc740 \ub2e4\uc74c\uacfc \uac19\ub2e4.<\/p>\n\n\n\n

    \n
  1. \uc740\ud1f4 \ud61c\ud0dd(Retirement Benefits) \u2013 \ub0a8\ud3b8\uc774 \uc218\ud61c\uc790\uaca9\uc774 \ub41c\ub2e4\uba74 \uc740\ud1f4\uc2dc\uc5d0 \uc544\ub0b4\uc5d0\uac8c\ub3c4 \uadf8 \ud61c\ud0dd\uc774 \uc8fc\uc5b4\uc9c4\ub2e4.  \uc77c\ud558\uc9c0 \uc54a\uc558\uc5b4\ub3c4 \ube60\ub974\uba74 62\uc138\ubd80\ud130 \uc18c\uc15c\uc5f0\uae08\uc744 \uc218\ub839\ud560 \uc218 \uc788\ub2e4.<\/li>\n<\/ol>\n\n\n\n
      \n
    1. \uc7a5\uc560 \ud61c\ud0dd (Disability Benefits) \u2013 \uc77c\uc744\ud558\ub2e4\uac00 \uc7a5\uc560\uc790\uac00 \ub418\uba74 (disabled) \uc5f0\ub839\uc5d0 \uad00\uacc4\uc5c6\uc774 \ud61c\ud0dd\uc744 \ubc1b\uc744 \uc218 \uc788\ub2e4.<\/li>\n<\/ol>\n\n\n\n
        \n
      1. \uac00\uc871 \ud61c\ud0dd (Family Benefits) \u2013 \uc77c\uc744\ud558\uc9c0 \uc54a\uc740 \ubc30\uc6b0\uc790\uc640 \uc5b4\ub9b0\uc790\ub140\ub4e4\uae4c\uc9c0 \ud61c\ud0dd\uc774 \ub3cc\uc544\uc624\uba70 16\uc138\uc774\ud558\uc758 \uc790\ub140\ub4e4\uc744 \ub3cc\ubcf4\uace0 \uc788\uc73c\uba74 \uc5f0\ub839\uc5d0 \uad00\uacc4\uc5c6\uc774 \ud61c\ud0dd\uc744 \ubc1b\uc744 \uc218 \uc788\ub2e4.<\/li>\n<\/ol>\n\n\n\n
          \n
        1. \uc0dd\uc874\uc790 \ud61c\ud0dd (Survivors Benefits) \u2013 \ub0a8\ud3b8\uc774 \uc0ac\ub9dd\ud558\uba74 \ub0a8\uc740 \uc0dd\uc874\ubc30\uc6b0\uc790\uc640 \uc5b4\ub9b0\uc790\ub140\ub4e4\uae4c\uc9c0 \ud61c\ud0dd\uc744 \ubc1b\uc744 \uc218 \uc788\ub2e4.<\/li>\n<\/ol>\n\n\n\n
            \n
          1. \uc758\ub8cc \ud61c\ud0dd (Medicare) \u2013 \uc18c\uc15c\ud61c\ud0dd \uc911 \uac00\uc7a5 \uc911\uc694\ud55c \ubd80\ubd84\uc73c\ub85c \ubcd1\uc6d0, \uc758\uc0ac, \uc81c\ud55c\ub41c \ubc94\uc704 \ub0b4\uc5d0\uc11c \uc694\uc591\uc2dc\uc124 \uc774\uc6a9 \ubc0f \ucc98\ubc29\uc57d\uae4c\uc9c0 \ud61c\ud0dd\uc744 \ubc1b\uc744 \uc218 \uc788\ub2e4.<\/li>\n<\/ol>\n\n\n\n

            \uc774\uc640 \uac19\uc740 \ud61c\ud0dd\uc744 \ubc1b\uae30 \uc704\ud558\uc5ec\uc11c\ub294 \uc790\uaca9\uc744 \uac16\ucd94\uc5b4\uc57c \ud558\ub294\ub370 \uc5ec\uc131\ub4e4\ub3c4 \uc77c\uc744 \ud558\uba74\uc11c \uc790\uae30 \uc790\uc2e0\uc758 \ud06c\ub798\ub527\uc744 \ucd95\uc801\ud560 \uc218 \uc788\uc73c\ub098 \ub9ce\uc740 \uacbd\uc6b0, \uac00\uc0ac \ub3cc\ubcf4\uae30 \ub4f1 \uc77c\ub85c \ucda9\ubd84\ud55c \ud06c\ub798\ub527 (40 credits) \uc744 \uc313\uc9c0 \ubabb\ud560 \uc218\ub3c4 \uc788\ub2e4.  \uc77c\uc744 \uc804\ud600\ud558\uc9c0 \uc54a\uc558\uac70\ub098  \ubd80\uc871\ud558\ub354\ub77c\ub3c4 \ud604\uc7ac \uacb0\ud63c\ud55c \uc0c1\ud0dc\ub77c\uba74 \ub610\ub294 \uc774\ud63c\uc744 \ud588\ub354\ub77c\ub3c4 \uacfc\uac70 \ub0a8\ud3b8\uacfc 10\ub144 \uc774\uc0c1 \uc0b4\uc558\uc73c\uba74 \ub0a8\ud3b8\uc758 \ud06c\ub798\ub527\uc73c\ub85c \ubcf4\ud638\ub97c \ubc1b\uc744 \uc218 \uc788\ub2e4.<\/p>\n\n\n\n

            \ub0a8\ud3b8\uc774 \uc740\ud1f4\ub97c\ud558\uc5ec \uc18c\uc15c\uc5f0\uae08\uc744 \ubc1b\uace0 \uc788\ub2e4\uba74 \ubc30\uc6b0\uc790\ub85c\uc11c \uc77c\ucc0d\uc774\ub294 62\uc138\ubd80\ud130 \ub0a8\ud3b8\uc774 \ubc1b\ub294 \uae08\uc561\uc758 \uc808\ubc18\uc744 \ubc1b\uc744 \uc218 \uc788\ub2e4.  \uadf8\ub7ec\ub098 \uc774\ub807\uac8c \ud558\uc5ec \ud55c\ubc88 \uacb0\uc815\ub41c \uae08\uc561\uc740 \ub0a8\uc740 \uc5ec\uc0dd\ub3d9\uc548 \ubc1b\uac8c\ub418\ub294 \uae08\uc561\uc784\uc73c\ub85c \uc798 \uacc4\ud68d\ud558\uc5ec \uacb0\uc815\ud574\uc57c \ud55c\ub2e4.  \uc740\ud1f4\ub97c \uc55e\ub450\uace0 \uc5ec\ub7ec\uac00\uc9c0 \uc0c1\ud669\uc744 \uace0\ub824\ud558\uc5ec \uc120\ud0dd\uc5d0 \uc2e0\uc911\ud574\uc57c \ud55c\ub2e4.  \ucd5c\uace0\uc561\uc218\ub97c \ubc1b\uc744 \uc218 \uc788\ub294 70\uc138\uae4c\uc9c0 \ubbf8\ub8e8\uc5c8\ub2e4 \ubc1b\uc73c\uba74 \ub300\uac1c 30%\uc774\uc0c1 \ub354 \uac00\uc0b0\ud558\uc5ec \ubc1b\uac8c \ub418\uace0 \ubc30\uc6b0\uc790\ub3c4 \uc801\ub839<\/p>\n\n\n\n

            \uc740\ud1f4 \uc2dc\uc5d0 \uadf8 \uc808\ubc18\uc744 \ubc1b\uac8c \ub418\uba70 \uc138\uae08\ub3c4 \uc801\uac8c \ub0b4\uac8c \ub418\uc5b4 \uc720\ub9ac\ud560 \uc218 \uc788\ub2e4.<\/p>\n\n\n\n

            100\uc138\uae4c\uc9c0 \uc0b4 \uc218 \uc788\ub294 \uc7a5\uc218\uc758 \uc2dc\ub300\uac00 \uc654\ub2e4.  \ud2b9\ud788 \uc5ec\uc131\ub4e4\uc740 \ub0a8\uc131\ub4e4\ubcf4\ub2e4 \ud3c9\uade0 7\uc138 \uc774\uc0c1 \ub354 \uc624\ub798 \uc0b0\ub2e4\uace0\ud55c\ub2e4.  \ub9ce\uc740 \uc0ac\ub78c\ub4e4\uc5d0\uac8c \uc18c\uc15c \uc2dc\ud050\ub9ac\ud2f0 \ud61c\ud0dd\uc740 \ub178\ud6c4\uc790\uae08\uc774 \ub41c\ub2e4. \ub0a8\uc774 \ud0c4\ub2e4\uace0 \uadf8\ub0e5 \ub530\ub77c \uac08 \uac83\uc774 \uc544\ub2c8\ub77c \uc790\uae30 \uc790\uc2e0\uc5d0 \uc720\ub9ac\ud55c \ud61c\ud0dd\uc744 \uc120\ud0dd\ud558\ub294\ub370, \uacc4\ud68d\ud558\uace0 \uc900\ube44\ud574\uc57c \ud560 \uac83\uc774\ub2e4.<\/p>\n\n\n\n

            \n
            \n

            \uae40\uc7a5\uc2dd, CPA<\/p>\n\n\n\n

            (858) 922-1015<\/p>\n\n\n\n

            jay@cpakim.org<\/p>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

            \uc804\uc5c5 \uc8fc\ubd80\uc758 \uc5f0\ubd09\uac00\uce58\uac00 \ud3c9\uade0 10\ub9cc \ub2ec\ub7ec \uc774\uc0c1\uc5d0 \uc774\ub978\ub2e4\ub294 \uc870\uc0ac \uacb0\uacfc\uac00 \uc788\uc5c8\ub2e4. \uc774\ub97c \ud604\uc2e4\uc801\uc73c\ub85c \uc18c\uc15c\uc2dc\ud050\ub9ac\ud2f0 \ud0dd\uc2a4\ub85c \uacc4\uc0b0\ud55c\ub2e4\uba74 \uc57d 1\ub9cc 5\ucc9c 3\ubc31\ub2ec\ub7ec\uac00 \ub41c\ub2e4. \uc9c1\uc7a5\uc744 \ub2e4\ub2c8\uba74 \uace0\uc6a9\uc8fc\uac00 \uc808\ubc18\uc744 \ub2f4\ub2f9\ud558\uc9c0\ub9cc \uc5ec\uc131 \uc790\uc601\uc5c5\uc790\ub77c\uba74 \uace0\uc2a4\ub780\ud788 \uc778\ucef4\ud0dd\uc2a4\uc640 \ud568\uaed8 \ub0b4\uc5b4\uc57c \ud55c\ub2e4.  \uc801\uc740 \ub3c8\uc774 \uc544\ub2c8\ub2e4.  \uadf8\ub7ec\ub098 \uc774 \uc0ac\ud68c\ubcf4\uc7a5\uc138\ub294 \u201c\uc138\uae08\u201d\uc774\ub77c\uae30 \ubcf4\ub2e4 \u201c\ubcf4\ud5d8\u201d\uc5d0 \uac00\uae5d\ub2e4. \uc6b0\ub9ac\uac00 \uc77c\ud558\ub294 \ub3d9\uc548 \uc0ac\ud68c\ubcf4\uc7a5\uc138\ub97c \ub0b4\uba74 \uadf8\ub798\ub527\uc774 \ucd95\uc801\ub418\uace0 \uc774 \ud06c\ub798\ub527\uc740 \ubbf8\ub798\uc5d0 \uc740\ud1f4\uc5f0\uae08\uc73c\ub85c \uc9c0\ubd88\ub418\uba70 \uc0ac\ub9dd \ub4f1 \uc720\uc0ac\uc2dc\uc5d0 \uc5b4\ub9b0 \uc790\ub140\ub4e4\uae4c\uc9c0 \ud61c\ud0dd\uc744 \uc8fc\ub294 \u201c\ubcf4\ud5d8\u201d\uc758 \uc5ed\ud560\uc744 \ud558\uae30 \ub54c\ubb38\uc774\ub2e4. \ub610\ud55c 65\uc138\ubd80\ud130\ub294 \uba54\ub514\ucf00\uc5b4\uae4c\uc9c0 \ucee4\ubc84\ub418\uc5b4 \uc815\ubd80\uac00 \uc81c\uacf5\ud558\ub294 \uc800\ub834\ud55c \uc758\ub8cc\ud61c\ud0dd\ub3c4 \ubc1b\uc744 \uc218 \uc788\ub294 \uac83\uc774\ub2e4. \uc5ec\uc131\uc778 \uacbd\uc6b0 \uc18c\uc15c\uc2dc\ud050\ub9ac\ud2f0\uc5d0\uc11c \ubc1b\uc744 \uc218 \uc788\ub294 \ud61c\ud0dd\uc740 \ub2e4\uc74c\uacfc \uac19\ub2e4. \uc774\uc640 \uac19\uc740 \ud61c\ud0dd\uc744 \ubc1b\uae30 \uc704\ud558\uc5ec\uc11c\ub294 \uc790\uaca9\uc744 \uac16\ucd94\uc5b4\uc57c \ud558\ub294\ub370 \uc5ec\uc131\ub4e4\ub3c4 \uc77c\uc744 \ud558\uba74\uc11c \uc790\uae30 \uc790\uc2e0\uc758 \ud06c\ub798\ub527\uc744 \ucd95\uc801\ud560 \uc218 \uc788\uc73c\ub098 \ub9ce\uc740 \uacbd\uc6b0, \uac00\uc0ac \ub3cc\ubcf4\uae30 \ub4f1 \uc77c\ub85c \ucda9\ubd84\ud55c \ud06c\ub798\ub527 (40 credits) \uc744 \uc313\uc9c0 \ubabb\ud560 \uc218\ub3c4 \uc788\ub2e4.  \uc77c\uc744 \uc804\ud600\ud558\uc9c0 \uc54a\uc558\uac70\ub098  \ubd80\uc871\ud558\ub354\ub77c\ub3c4 \ud604\uc7ac \uacb0\ud63c\ud55c \uc0c1\ud0dc\ub77c\uba74 \ub610\ub294 \uc774\ud63c\uc744 \ud588\ub354\ub77c\ub3c4 \uacfc\uac70 \ub0a8\ud3b8\uacfc 10\ub144 \uc774\uc0c1 \uc0b4\uc558\uc73c\uba74 \ub0a8\ud3b8\uc758 \ud06c\ub798\ub527\uc73c\ub85c \ubcf4\ud638\ub97c \ubc1b\uc744 \uc218 \uc788\ub2e4. \ub0a8\ud3b8\uc774 \uc740\ud1f4\ub97c\ud558\uc5ec \uc18c\uc15c\uc5f0\uae08\uc744 \ubc1b\uace0 \uc788\ub2e4\uba74 \ubc30\uc6b0\uc790\ub85c\uc11c \uc77c\ucc0d\uc774\ub294 62\uc138\ubd80\ud130 \ub0a8\ud3b8\uc774 \ubc1b\ub294 \uae08\uc561\uc758 \uc808\ubc18\uc744 \ubc1b\uc744 \uc218 \uc788\ub2e4.  \uadf8\ub7ec\ub098 \uc774\ub807\uac8c \ud558\uc5ec \ud55c\ubc88 \uacb0\uc815\ub41c \uae08\uc561\uc740 \ub0a8\uc740 \uc5ec\uc0dd\ub3d9\uc548 \ubc1b\uac8c\ub418\ub294 \uae08\uc561\uc784\uc73c\ub85c \uc798 \uacc4\ud68d\ud558\uc5ec \uacb0\uc815\ud574\uc57c \ud55c\ub2e4.  \uc740\ud1f4\ub97c \uc55e\ub450\uace0 \uc5ec\ub7ec\uac00\uc9c0 \uc0c1\ud669\uc744 \uace0\ub824\ud558\uc5ec \uc120\ud0dd\uc5d0 \uc2e0\uc911\ud574\uc57c \ud55c\ub2e4.  \ucd5c\uace0\uc561\uc218\ub97c \ubc1b\uc744 \uc218 \uc788\ub294 70\uc138\uae4c\uc9c0 \ubbf8\ub8e8\uc5c8\ub2e4 \ubc1b\uc73c\uba74 \ub300\uac1c 30%\uc774\uc0c1 \ub354 \uac00\uc0b0\ud558\uc5ec \ubc1b\uac8c \ub418\uace0 \ubc30\uc6b0\uc790\ub3c4 \uc801\ub839 \uc740\ud1f4 \uc2dc\uc5d0 \uadf8 \uc808\ubc18\uc744 \ubc1b\uac8c \ub418\uba70 \uc138\uae08\ub3c4 \uc801\uac8c \ub0b4\uac8c \ub418\uc5b4 \uc720\ub9ac\ud560 \uc218 \uc788\ub2e4. 100\uc138\uae4c\uc9c0 \uc0b4 \uc218 \uc788\ub294 \uc7a5\uc218\uc758 \uc2dc\ub300\uac00 \uc654\ub2e4.  \ud2b9\ud788 \uc5ec\uc131\ub4e4\uc740 \ub0a8\uc131\ub4e4\ubcf4\ub2e4 \ud3c9\uade0 7\uc138 \uc774\uc0c1 \ub354 \uc624\ub798 \uc0b0\ub2e4\uace0\ud55c\ub2e4.  \ub9ce\uc740 \uc0ac\ub78c\ub4e4\uc5d0\uac8c \uc18c\uc15c \uc2dc\ud050\ub9ac\ud2f0 \ud61c\ud0dd\uc740 \ub178\ud6c4\uc790\uae08\uc774 \ub41c\ub2e4. \ub0a8\uc774 \ud0c4\ub2e4\uace0 \uadf8\ub0e5 \ub530\ub77c \uac08 \uac83\uc774 \uc544\ub2c8\ub77c \uc790\uae30 \uc790\uc2e0\uc5d0 \uc720\ub9ac\ud55c \ud61c\ud0dd\uc744 \uc120\ud0dd\ud558\ub294\ub370, \uacc4\ud68d\ud558\uace0 \uc900\ube44\ud574\uc57c \ud560 \uac83\uc774\ub2e4. \uae40\uc7a5\uc2dd, CPA (858) 922-1015 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