三种人

来源: 于 2025-09-25 10:13:56 [博客] [旧帖] [给我悄悄话] 本文已被阅读：次

?Higher Retirement Wealth Tiers – 2025

?????Tier 1: Mass Affluent

  • Net Worth Range: $250,000 – $1 million
  • Annual Retirement Contributions:
    • 401(k): Up to?$23,500
    • Catch-up (Age 50+): Additional?$7,500?or?$11,250?if aged 60–63?
  • IRA Contributions:
    • Traditional/Roth IRA: Up to?$7,000
    • Catch-up (Age 50+): Additional?$1,000?
  • Income Limits for Roth IRA Eligibility:
    • Single: $150,000–$165,000
    • Married Filing Jointly: $230,000–$245,000?

?Tier 2: High Net Worth

  • Net Worth Range: $1 million – $5 million
  • Key IRS Thresholds:
    • Highly Compensated Employee (HCE): Income?$160,000+?
    • Key Employee (Top-Heavy Plans): Income?$230,000+
  • Annual Additions to Retirement Plans:
    • Defined contribution plans (401(k), SEP, etc.): Up to?$70,000?
  • Strategic Moves:
    • Roth conversions
    • Tax-efficient withdrawal planning
    • Estate and legacy planning

?????Tier 3: Ultra High Net Worth

  • Net Worth: $5 million+
  • Financial Characteristics:
    • Multiple income streams (business, real estate, investments)
    • Advanced estate planning (trusts, charitable foundations)
    • Custom retirement plans (cash balance, defined benefit)
  • IRS Planning Considerations:
    • Compensation Cap for Contributions: $350,000?
    • Control Employee Thresholds: $140,000–$285,000 (for fringe benefit valuation)



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