{"id":168,"date":"2015-03-02T03:20:00","date_gmt":"2015-03-02T03:20:00","guid":{"rendered":"https:\/\/retirebooja.com\/blog\/?p=168"},"modified":"2024-03-02T03:23:35","modified_gmt":"2024-03-02T03:23:35","slug":"%ec%8b%9c%eb%8b%88%ec%96%b4%eb%a5%bc-%ec%9c%84%ed%95%9c-%ed%83%9d%ec%8a%a4-%ed%8c%81","status":"publish","type":"post","link":"https:\/\/retirebooja.com\/blog\/%ec%8b%9c%eb%8b%88%ec%96%b4%eb%a5%bc-%ec%9c%84%ed%95%9c-%ed%83%9d%ec%8a%a4-%ed%8c%81\/","title":{"rendered":"\uc2dc\ub2c8\uc5b4\ub97c \uc704\ud55c \ud0dd\uc2a4 \ud301"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">\ubbf8\uad6d\uc758 \ubca0\uc774\ube44 \ubd80\uba38(1946\uc5d0\uc11c&nbsp;1964\ub144 \uc0ac\uc774\uc5d0 \ud0dc\uc5b4\ub09c<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc2dc\ub2c8\uc5b4)\ub4e4\uc774 \ud558\ub8e8\uc5d0&nbsp;1\ub9cc\uba85\uc529 \ub298\uc5b4\ub098\uace0 \uc788\ub2e4\uace0\ud55c\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uadf8\ub4e4 \ub300\ubd80\ubd84\uc774 \uc740\ud1f4\ub97c \ud558\uba74\uc11c \uafc8\uafb8\ub294 \ub178\ud6c4\uc0dd\ud65c\uc744<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uadf8\ub824\ubcf4\uace0 \uc77c\uc744 \uadf8\ub9cc\ub450\uace0 \uc788\uc9c0\ub9cc \uc740\ud1f4\ud6c4 \uc0dd\ud65c\uc774<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ub9cc\ub9cc\uce58 \uc54a\ub2e4.&nbsp;&nbsp;\uc778\uac04\uc758 \uc218\uba85\uc774 \uae38\uc5b4\uc9d0\uc5d0 \ub530\ub77c \uc740\ud1f4\ud6c4<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc0dd\ud65c\uc5d0 \ud544\uc694\ud55c \uc9c0\ucd9c\uc774 \uc608\uc804\ubcf4\ub2e4 \ub354 \ub298\uc5b4\ub0a0\uc218\ub3c4<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc788\uae30 \ub54c\ubb38\uc774\ub2e4.&nbsp;\uc7a5\uc218\uc2dc\ub300\uc5d0 \uac78\ub9de\uc740 \uc608\uc0b0\uc744 \uc138\uc6b0\uace0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ub300\ube44\ud574\uc57c \ud55c\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uacfc\uc5f0 \uc740\ud1f4\ub97c \ub300\ube44\ud558\uc5ec \ud0c4\ud0c4\ud55c \uc800\ucd95\uc744 \ud574\ub454 \uc2dc\ub2c8\uc5b4\ub4e4\uc740<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc5bc\ub9c8\ub098 \ub420\uac00?&nbsp;\uc740\ud1f4\ud6c4 \uc7ac\uc815\uad00\ub9ac\ub294 \uccab\uc9f8\ub294 \uc9c0\uae08\uae4c\uc9c0 \ubac3\uc544\ub454<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc7ac\uc0b0\uc744 \ubcf4\ud638(Asset Protection)\ud558\ub294 \uac83\uacfc \ub458\uc9f8\ub294 \uc9c0\uc18d\uc801\uc778<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc218\uc785(Constant Income Flow)\uc744 \uc720\uc9c0\ud558\ub294 \uac83\uc774\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud65c\ubc1c\ud558\uac8c \uc77c \ud560\ub54c\ubcf4\ub2e4 \uc9c0\ucd9c\uc774 \ub354 \ub298\uc5b4 \ub0a0\uc218\ub3c4 \uc788\ub2e4.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc624\ub79c \uae30\uac04 \uc5f4\uc2ec\ud788 \uc77c\ud558\uba74\uc11c \ubac3\uc544\uc628 \uc740\ud1f4\uc790\uae08 \uc6b4\uc6a9\ub3c4<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc911\uc694\ud558\uc9c0\ub9cc \uc18c\uc15c\uc5f0\uae08\ub4f1 \uc740\ud1f4\uacc4\uc88c\uc5d0\uc11c \uc778\ucd9c\ub418\ub294 \uc790\uae08\ub4e4\uc774<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc740\ud1f4\ud6c4\uc5d0\ub3c4 \uc138\uae08\ubcf4\uace0 \ub300\uc0c1\uc774 \ub420\uc218 \uc788\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc2dc\ub2c8\uc5b4\uc758 \uc18c\ub4dd\uc138 \ubcf4\uace0\uc5d0 \ubbf8\uce60&nbsp;5\uac00\uc9c0 \ud0dd\uc2a4 \ud301\uc744 \uc694\uc57d\ud55c\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>1.&nbsp;&nbsp;&nbsp;<\/strong><strong>Social Security Benefits<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc5f0\ucd08\uc5d0 \ubc1b\ub294&nbsp;Form SSA-1099\uc758&nbsp;Box 3\uc5d0 \ud45c\uae30\ub41c \uae08\uc561\uc744<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc798 \uac80\ud1a0\ud574\uc57c\ud55c\ub2e4.&nbsp;\ubd80\ubd80\uacf5\ub3d9\ubcf4\uace0\ub294 \ucd1d\uc18c\ub4dd&nbsp;$32,000\uc774\uc0c1<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc774\uba74 \uc218\ub839\uae08\uc561\uc758&nbsp;50%, $44,000\uc774\uc0c1\uc774\uba74&nbsp;85%\uae4c\uc9c0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc138\uae08 \ub300\uc0c1\uc774\ub41c\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>2.&nbsp;&nbsp;&nbsp;<\/strong><strong>Medical Expenses<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud56d\ubaa9\ubcc4\uacf5\uc81c\uc2dc \ubd80\ubd80\uc911&nbsp;65\uc138\uc774\uc0c1\uc774\uba74&nbsp;Threshold\uac00<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">10%\uac00 \uc544\ub2c8\uace0&nbsp;7.5%\uc73c\ub85c \ub354 \ub9ce\uc740 \uacf5\uc81c\ub97c \ubc1b\uc744 \uc218 \uc788\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>3.&nbsp; Itemize Deductions<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&nbsp;&nbsp;&nbsp;&nbsp;\ud56d\ubaa9\ubcc4\uacf5\uc81c\uc640 \ud45c\uc900\uacf5\uc81c\ub97c \ube44\uad50\ud55c\ud6c4 \ub354 \ub9ce\uc740 \uae08\uc561\uc744<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uacf5\uc81c\ud55c\ub2e4.&nbsp;\ubd80\ubd80\uac00&nbsp;65\uc138\uc774\uc0c1\uc774\uba74&nbsp;2014&nbsp;\ud45c\uc900\uacf5\uc81c\ub294<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">$14,800\uc774\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>4.&nbsp; Retirement Distributions<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">59.5\uc138\ubd80\ud130&nbsp;IRA or 401(k)&nbsp;\uc740\ud1f4\uc790\uae08\uc740&nbsp;10% penalty<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc5c6\uc774 \uc778\ucd9c\ud5c8\uc6a9\ub418\ub098 \ub2f9\ud574\ub144\ub3c4 \uc138\uae08\ub300\uc0c1(taxable)\uc774 \ub41c\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>5. &nbsp;RMD-Required Minimum Distribution<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">70.5\uc138\ubd80\ud130 \uacfc\uac70 \uc138\uae08\ud61c\ud0dd\uc744 \ubcf8 \uc740\ud1f4\uc790\uae08\uc5d0 \ub300\ud558\uc5ec<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">IRS\uac00 \uc9c0\uc815\ud55c \uc18c\uc815\uc758 \uc2a4\ucf00\uc904\uc5d0 \uc758\uac70\ud558\uc5ec \uac15\uc81c\ucd5c\uc18c<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc778\ucd9c(RMD)\ub97c \uc2dc\uc791\ud574\uc57c\ud55c\ub2e4.&nbsp;\uc774\ub97c \uc5b4\uae30\uba74&nbsp;50% excise<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">tax\uac00 \ubd80\uacfc\ub41c\ub2e4.&nbsp;\uc608\uc678\ub85c \uc9c1\uc7a5\uc740\ud1f4&nbsp;Pension Plan\uc5d0\uc11c<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ub9e4\ub2ec \uc77c\uc815\uae08\uc561\uc744 \ubc1b\ub294 \uacbd\uc6b0, Roth IRA\uc5d0 \uc801\ub9bd\ud55c \uc790\uae08,<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc9c1\uc7a5\uc5d0\uc11c \uc544\uc9c1 \uc740\ud1f4\ub97c \ud558\uc9c0\uc54a\uc740 \uacbd\uc6b0\uc5d0\ub294&nbsp;RMD\ub97c<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud558\uc9c0 \uc54a\uc544\ub3c4\ub41c\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uae40\uc7a5\uc2dd \uacf5\uc778\ud68c\uacc4\uc0ac<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">(858) 922-1015<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"http:\/\/www.retirebooja.com\/\">www.RetireBooja.com<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\ubbf8\uad6d\uc758 \ubca0\uc774\ube44 \ubd80\uba38(1946\uc5d0\uc11c&nbsp;1964\ub144 \uc0ac\uc774\uc5d0 \ud0dc\uc5b4\ub09c \uc2dc\ub2c8\uc5b4)\ub4e4\uc774 \ud558\ub8e8\uc5d0&nbsp;1\ub9cc\uba85\uc529 \ub298\uc5b4\ub098\uace0 \uc788\ub2e4\uace0\ud55c\ub2e4. \uadf8\ub4e4 \ub300\ubd80\ubd84\uc774 \uc740\ud1f4\ub97c \ud558\uba74\uc11c \uafc8\uafb8\ub294 \ub178\ud6c4\uc0dd\ud65c\uc744 \uadf8\ub824\ubcf4\uace0 \uc77c\uc744 \uadf8\ub9cc\ub450\uace0 \uc788\uc9c0\ub9cc \uc740\ud1f4\ud6c4 \uc0dd\ud65c\uc774 \ub9cc\ub9cc\uce58 \uc54a\ub2e4.&nbsp;&nbsp;\uc778\uac04\uc758 \uc218\uba85\uc774 \uae38\uc5b4\uc9d0\uc5d0 \ub530\ub77c \uc740\ud1f4\ud6c4 \uc0dd\ud65c\uc5d0 \ud544\uc694\ud55c \uc9c0\ucd9c\uc774 \uc608\uc804\ubcf4\ub2e4 \ub354 \ub298\uc5b4\ub0a0\uc218\ub3c4 \uc788\uae30 \ub54c\ubb38\uc774\ub2e4.&nbsp;\uc7a5\uc218\uc2dc\ub300\uc5d0 \uac78\ub9de\uc740 \uc608\uc0b0\uc744 \uc138\uc6b0\uace0 \ub300\ube44\ud574\uc57c \ud55c\ub2e4. \uacfc\uc5f0 \uc740\ud1f4\ub97c \ub300\ube44\ud558\uc5ec \ud0c4\ud0c4\ud55c \uc800\ucd95\uc744 \ud574\ub454 \uc2dc\ub2c8\uc5b4\ub4e4\uc740 \uc5bc\ub9c8\ub098 \ub420\uac00?&nbsp;\uc740\ud1f4\ud6c4 \uc7ac\uc815\uad00\ub9ac\ub294 \uccab\uc9f8\ub294 \uc9c0\uae08\uae4c\uc9c0 \ubac3\uc544\ub454 \uc7ac\uc0b0\uc744 \ubcf4\ud638(Asset [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"nf_dc_page":"","footnotes":""},"categories":[1],"tags":[],"class_list":["post-168","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/retirebooja.com\/blog\/wp-json\/wp\/v2\/posts\/168","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/retirebooja.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/retirebooja.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/retirebooja.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/retirebooja.com\/blog\/wp-json\/wp\/v2\/comments?post=168"}],"version-history":[{"count":2,"href":"https:\/\/retirebooja.com\/blog\/wp-json\/wp\/v2\/posts\/168\/revisions"}],"predecessor-version":[{"id":170,"href":"https:\/\/retirebooja.com\/blog\/wp-json\/wp\/v2\/posts\/168\/revisions\/170"}],"wp:attachment":[{"href":"https:\/\/retirebooja.com\/blog\/wp-json\/wp\/v2\/media?parent=168"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/retirebooja.com\/blog\/wp-json\/wp\/v2\/categories?post=168"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/retirebooja.com\/blog\/wp-json\/wp\/v2\/tags?post=168"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}