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发表于:2018-05-10 16:16|查看全部
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Gift RSU 可以省税么?

我们家猪头不知道哪里听来的,说如果他把他的RSU股票gift给我,我卖的时候因为我的tax bracket比他低不少,这样就省税了,而且因为我们都不是公民,
互相gift的免税额很大,听着好像makse sense,可我终觉得哪里不太对劲,好像也没听别人说过啊?
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发表于:2018-05-10 23:25|查看全部
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Gifts to Citizen Spouses vs. Non-Citizen Spouses

The unlimited marital deduction allows you to gift any amount of money or property to your spouse without incurring either the federal gift tax or a state gift tax if you live in a state that imposes one.

This is contingent upon her being a U.S. citizen, however.

You have another option if your spouse isn't a U.S. citizen: The annual exclusion from gift taxes for gifts specifically made to non-citizen spouses. This annual exclusion was $143,000 in 2013, increasing to $145,000 in 2014, $147,000 in 2015, and $148,000 in 2016. "Annual" is the keyword. You can give this much per year without incurring the gift tax, which can add up considerably over a lifetime, effectively making citizenship a non-issue over the long term.

夫妻之间不算gift吧。。。
晴朗天空 发表于 5/10/2018 4:36:21 PM
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发表于:2018-05-12 01:46|查看全部
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1. 公司一般不允许transfer unvested RSUs to others, RSUs are taxed upon vesting as ordinary income, 你是指filing seperately然后省最终卖价和vest时候的差价的captial gains tax? long-term capital gains tax rate 只有三个0%, 15%, 20%, 你先看看你俩是不是一个tax rate吧 2. 你如果在community property state的话,婚后收入和资产不管在谁名下大部分都是一半一半的,RSU这种的话还得看grant date 和vest date是婚前婚后 3. Citizen之间有Unlimited Marital Deduction,也就是说夫妻之间怎么都没有gift tax的,反而non-citizen spouse的话是受制于特殊的annual exclusion的, 2018年是$152,000。 4. Married filling seperately是不能用一些dedcutions和credits的,一方Itemize 另一方也得Itemize等等,你算算综合起来合不合算吧 暂时能想到的就这些,找你CPA做tax projection吧,TA不能给你投资上的建议比如什么时候卖等等,但是可以只从tax上给你run各种不同secnario,得根据你具体情况看,不是一概而论的
xandyadvisors 发表于 5/10/2018 11:50:11 PM
多谢mm指点

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