Main takeaway: Moving from California to Nevada can eliminate a 9.3% state income tax and save six figures over 20 years on RMD-related taxes. The study uses a $2.1M case, notes federal taxes (including IRMAA and taxable Social Security) still apply, and that in 2026 a $111,000 qualified charitable distribution can cover the first year's RMD and keep it out of adjusted gross income.
币界网消息，搬家以节省401(k)的强制最低分配（RMD）费用？一项210万美元的案例研究揭示，从加利福尼亚州搬到内华达州可以消除9.3%的州所得税，20年内节省六位数的税款。虽然内华达州的居住身份无法解决联邦税务问题，但IRMAA附加费在调整后总收入超过109,000美元时生效，且高达85%的社会保障收入仍需缴纳联邦税。2026年，合格慈善分配的上限为111,000美元，可以满足第一年的RMD并完全避免计入调整后总收入。