{"id":465405,"date":"2026-04-06T15:52:06","date_gmt":"2026-04-06T22:52:06","guid":{"rendered":"https:\/\/icitynews.com\/?p=465405"},"modified":"2026-04-06T15:52:06","modified_gmt":"2026-04-06T22:52:06","slug":"2026%e7%be%8e%e5%9b%bd%e5%a5%a5%e6%b7%87%e5%ae%8f%e7%9b%9b%e7%a8%8e%e5%8a%a1%e9%87%8d%e5%a1%91%e4%b8%8e%e8%b5%84%e4%ba%a7%e5%b8%83%e5%b1%80%e5%b7%a1%e5%9b%9e%e8%ae%b2%e5%ba%a7%e5%9c%86%e6%bb%a1","status":"publish","type":"post","link":"https:\/\/icitynews.com\/?p=465405","title":{"rendered":"2026\u7f8e\u56fd\u5965\u6dc7\u5b8f\u76db\u7a0e\u52a1\u91cd\u5851\u4e0e\u8d44\u4ea7\u5e03\u5c40\u5de1\u56de\u8bb2\u5ea7\u5706\u6ee1\u843d\u5e55"},"content":{"rendered":"

2026\u7f8e\u56fd\u5965\u6dc7\u5b8f\u76db\u7a0e\u52a1\u91cd\u5851\u4e0e\u8d44\u4ea7\u5e03\u5c40\u5de1\u56de\u8bb2\u5ea7\u5706\u6ee1\u843d\u5e55
\n\u968f\u77402026\u5e74\u62a5\u7a0e\u5b63\u9010\u6e10\u8fdb\u5165\u5c3e\u58f0\uff0c\u4eca\u5e74\u56f4\u7ed5\u7a0e\u52a1\u89c4\u5212\u3001\u9000\u4f11\u5236\u5ea6\u4e0e\u8d44\u4ea7\u914d\u7f6e\u7684\u8ba8\u8bba\u70ed\u5ea6\u6301\u7eed\u6500\u5347\u3002\u8d8a\u6765\u8d8a\u591a\u5bb6\u5ead\u4e0e\u4f01\u4e1a\u610f\u8bc6\u5230\uff0c\u5728\u653f\u7b56\u8c03\u6574\u4e0e\u5e02\u573a\u53d8\u5316\u4ea4\u7ec7\u7684\u80cc\u666f\u4e0b\uff0c\u62a5\u7a0e\u65e9\u5df2\u4e0d\u53ea\u662f\u4e00\u6b21\u7533\u62a5\u52a8\u4f5c\uff0c\u66f4\u662f\u91cd\u65b0\u68b3\u7406\u8d22\u5bcc\u7ed3\u6784\u3001\u4f18\u5316\u957f\u671f\u5e03\u5c40\u7684\u91cd\u8981\u8282\u70b9\u3002<\/p>\n

\"\"
\n\u57fa\u4e8e\u8fd9\u4e00\u8d8b\u52bf\uff0c\u7f8e\u56fd\u5965\u6dc7\u5b8f\u76db\u5728\u672c\u62a5\u7a0e\u5b63\u671f\u95f4\u6301\u7eed\u63a8\u51fa\u4e3b\u9898\u8bb2\u5ea7\u3010\u5927\u800c\u7f8e\u6cd5\u6848\u4e0b\u7684\u8d22\u5bcc\u65b0\u5c40\u2014\u20142026\u4e2a\u4eba\u4e0e\u4f01\u4e1a\u7a0e\u52a1\u91cd\u5851\u4e0e\u8d44\u4ea7\u5e03\u5c40\u5168\u653b\u7565\u3011\uff0c\u56f4\u7ed5\u62a5\u7a0e\u5408\u89c4\u4e0e\u4f18\u5316\u7b56\u7565\u3001\u5404\u7c7b\u9000\u4f11\u91d1\u5236\u5ea6\u7684\u7ed3\u6784\u5dee\u5f02\u4e0e\u9002\u7528\u65cf\u7fa4\uff0c\u4ee5\u53ca\u7a0e\u6539\u653f\u7b56\u5bf9\u957f\u671f\u7a0e\u52a1\u5e03\u5c40\u7684\u6df1\u8fdc\u5f71\u54cd\uff0c\u7cfb\u7edf\u5c55\u5f00\u7cfb\u5217\u5206\u4eab\u3002\u7ee7\u5de5\u4e1a\u5e02\u7ad9\u3001\u5c14\u6e7e\u7ad9\u76f8\u7ee7\u83b7\u5f97\u70ed\u70c8\u53cd\u54cd\u540e\uff0c\u7b2c\u4e09\u573a\u7a0e\u52a1\u5de1\u56de\u8bb2\u5ea7\u4e8e2026\u5e744\u67083\u65e5\u5728 Arcadia \u5206\u516c\u53f8\u5706\u6ee1\u4e3e\u884c\uff0c\u4e3a\u672c\u8f6e\u7cfb\u5217\u6d3b\u52a8\u753b\u4e0b\u5145\u5b9e\u800c\u6709\u529b\u7684\u53e5\u70b9\u3002
\n\u672c\u6b21Arcadia \u7ad9\u8bb2\u5ea7\u7531\u7f8e\u56fd\u5965\u6dc7\u5b8f\u76db\u603b\u88c1\u517cCEO\u9ec4\u6d77\u8482\u5973\u58eb\uff08CLU, ChFC, CLTC\uff09\u4e0e\u7f8e\u56fd\u5965\u6dc7\u5b8f\u76dbCOO Kenneth Yuen\u5148\u751f\uff08CFP\u00ae, ChFC\uff09\u8054\u5408\u4e3b\u8bb2\uff0c\u4ece\u7a0e\u52a1\u91cd\u5851\u5230\u8d44\u4ea7\u5e03\u5c40\u53cc\u7ebf\u5c55\u5f00\uff0c\u4e0d\u4ec5\u56de\u5e94\u4e86\u62a5\u7a0e\u5b63\u4e0b\u5ba2\u6237\u6700\u5173\u5fc3\u7684\u73b0\u5b9e\u95ee\u9898\uff0c\u4e5f\u8fdb\u4e00\u6b65\u5e2e\u52a9\u542c\u4f17\u5efa\u7acb\u8d77\u66f4\u6e05\u6670\u3001\u66f4\u5177\u524d\u77bb\u6027\u7684\u4e2a\u4eba\u4e0e\u4f01\u4e1a\u8d22\u5bcc\u89c4\u5212\u601d\u8def\u3002<\/p>\n

\"\"\u7f8e\u56fd\u5965\u6dc7\u5b8f\u76db\u603b\u88c1\u517cCEO\u9ec4\u6d77\u8482\u5973\u58eb\u56f4\u7ed52026\u62a5\u7a0e\u5b63\u4e0b\u7684\u5173\u952e\u53d8\u5316\u4e0e\u8d22\u5bcc\u89c4\u5212\u91cd\u70b9\uff0c\u4e3a\u73b0\u573a\u6765\u5bbe\u7cfb\u7edf\u68b3\u7406\u4e86\u4e2a\u4eba\u4e0e\u4f01\u4e1a\u5728\u65b0\u7a0e\u52a1\u73af\u5883\u4e2d\u7684\u5e94\u5bf9\u601d\u8def\u3002\u7ed3\u5408\u6700\u65b0\u653f\u7b56\u8c03\u6574\u3001\u9000\u4f11\u5236\u5ea6\u53d8\u5316\u53ca\u5b9e\u52a1\u89c4\u5212\u65b9\u5411\uff0c\u5979\u4ece\u201c\u62a5\u7a0e\u201d\u5ef6\u4f38\u5230\u201c\u957f\u671f\u5e03\u5c40\u201d\uff0c\u5e2e\u52a9\u542c\u4f17\u66f4\u5168\u9762\u5730\u7406\u89e3\u7a0e\u52a1\u5408\u89c4\u3001\u8d44\u4ea7\u914d\u7f6e\u4e0e\u8d22\u5bcc\u4f20\u627f\u4e4b\u95f4\u7684\u8054\u52a8\u5173\u7cfb\u3002\u91cd\u70b9\u5185\u5bb9\u5305\u62ec\uff1a
\n1. 2026\u62a5\u7a0e\u5b63\u4e2a\u4eba\u3001\u516c\u53f8\u53ca\u4e0d\u540c\u7a0e\u52a1\u8eab\u4efd\u4eba\u7fa4\u7684\u7533\u62a5\u8981\u6c42\u4e0e\u622a\u6b62\u65f6\u95f4
\n2. \u5e38\u89c1\u516c\u53f8\u67b6\u6784\uff08Sole Proprietorship\u3001LLC\u3001Partnership\u3001S-Corp\u3001C-Corp\uff09\u7684\u7a0e\u52a1\u5dee\u5f02\u4e0e\u9002\u7528\u7279\u70b9
\n3. \u62a5\u7a0e\u6587\u4ef6\u51c6\u5907\u91cd\u70b9\u8d44\u6599
\n4. \u6d77\u5916\u91d1\u878d\u8d44\u4ea7\u7533\u62a5\u89c4\u5219\uff0c\u5982FBAR\u3001FATCA\u7b49\u5e38\u89c1\u7533\u62a5\u8981\u6c42\u53ca\u7f5a\u5219
\n5. \u300a\u5927\u800c\u7f8e\u6cd5\u6848\u300b\u4e0b\u7684\u91cd\u8981\u7a0e\u52a1\u8c03\u6574\uff0c\u5305\u62ecSALT\u4e0a\u9650\u63d0\u5347\u3001\u513f\u7ae5\u7a0e\u6536\u62b5\u514d\u3001199A\u6c38\u4e45\u5316\u3001100%\u52a0\u901f\u6298\u65e7\u53ca\u7814\u53d1\u8d39\u7528\u5f53\u5e74\u8d39\u7528\u5316\u7b49\u5185\u5bb9
\n6. 2025\/2026\u5e74\u5ea6\u4e2a\u4eba\u6240\u5f97\u7a0e\u3001\u6807\u51c6\u6263\u9664\u989d\u3001FICA\u7a0e\u53ca\u5e38\u89c1Tax Credit\u7684\u5173\u952e\u53d8\u5316
\n7. \u8d60\u4e0e\u7a0e\u4e0e\u9057\u4ea7\u7a0e\u89c4\u5212\u91cd\u70b9\uff0c\u5305\u62ec\u5e74\u5ea6\u8d60\u4e0e\u514d\u7a0e\u989d\u3001\u7ec8\u8eab\u9057\u4ea7\u7a0e\u514d\u7a0e\u989d\u53ca\u975e\u7f8e\u56fd\u516c\u6c11\u8d44\u4ea7\u4f20\u627f\u6ce8\u610f\u4e8b\u9879
\n8. \u5e38\u89c1\u7a0e\u52a1\u89c4\u5212\u5de5\u5177\u4e0e\u7b56\u7565\uff0c\u5982Roth Conversion\u3001Backdoor Roth IRA\u3001Mega Backdoor Roth\u3001\u7a0e\u635f\u6536\u5272\u3001\u6148\u5584\u6350\u8d60\u53ca\u9000\u4f11\u8d26\u6237\u4f9b\u6b3e\u4f18\u5316\u7b49
\n\"\"\u7f8e\u56fd\u5965\u6dc7\u5b8f\u76db\u603b\u88c1\u517cCEO\u9ec4\u6d77\u8482\u5973\u58eb
\n\u7f8e\u56fd\u5965\u6dc7\u5b8f\u76dbCOO Kenneth Yuen\u5148\u751f\u5728\u672c\u6b21\u8bb2\u5ea7\u4e2d\uff0c\u56f4\u7ed5\u9000\u4f11\u8d26\u6237\u5728\u7a0e\u52a1\u89c4\u5212\u4e2d\u7684\u529f\u80fd\u4e0e\u5e94\u7528\uff0c\u4e3a\u73b0\u573a\u6765\u5bbe\u7b80\u8981\u68b3\u7406\u4e86\u4e0d\u540c\u9000\u4f11\u5de5\u5177\u80cc\u540e\u7684\u6838\u5fc3\u903b\u8f91\u3002\u4ed6\u4ece\u7a0e\u52a1\u65f6\u95f4\u70b9\u7684\u5dee\u5f02\u5207\u5165\uff0c\u5e2e\u52a9\u542c\u4f17\u66f4\u6e05\u6670\u5730\u7406\u89e3 Traditional IRA\u3001401(k)\u3001Roth IRA \u53ca Roth 401(k) \u7b49\u8d26\u6237\u5728\u957f\u671f\u89c4\u5212\u4e2d\u7684\u4e0d\u540c\u5b9a\u4f4d\uff0c\u5e76\u8fdb\u4e00\u6b65\u8bf4\u660e\uff0c\u9000\u4f11\u8d26\u6237\u5e76\u4e0d\u53ea\u662f\u5355\u7eaf\u7684\u50a8\u84c4\u5de5\u5177\uff0c\u66f4\u662f\u5f71\u54cd\u672a\u6765\u7a0e\u8d1f\u5b89\u6392\u4e0e\u9000\u4f11\u73b0\u91d1\u6d41\u6548\u7387\u7684\u91cd\u8981\u7ec4\u6210\u90e8\u5206\u3002
\n\u5728\u5206\u4eab\u4e2d\uff0cKenneth\u6307\u51fa\uff0c\u4e0d\u540c\u7c7b\u578b\u7684\u9000\u4f11\u8d26\u6237\uff0c\u672c\u8d28\u4e0a\u662f\u5bf9\u201c\u4f55\u65f6\u7eb3\u7a0e\u201d\u7684\u4e0d\u540c\u9009\u62e9\uff1aTraditional IRA\u3001401(k) \u7b49\u8d26\u6237\u5c5e\u4e8e\u201c\u5148\u7701\u7a0e\u3001\u540e\u4ea4\u7a0e\u201d\uff0c\u66f4\u9002\u5408\u5f53\u524d\u6536\u5165\u8f83\u9ad8\u3001\u5e0c\u671b\u964d\u4f4e\u5f53\u671f\u7a0e\u8d1f\u7684\u4eba\u7fa4\uff1b\u800c Roth IRA\u3001Roth 401(k) \u5219\u5c5e\u4e8e\u201c\u5148\u4ea4\u7a0e\u3001\u540e\u514d\u7a0e\u201d\uff0c\u66f4\u9002\u5408\u770b\u597d\u672a\u6765\u6536\u5165\u589e\u957f\uff0c\u6216\u5e0c\u671b\u63d0\u524d\u9501\u5b9a\u672a\u6765\u514d\u7a0e\u63d0\u53d6\u7a7a\u95f4\u7684\u4eba\u7fa4\u3002\u901a\u8fc7\u5bf9\u4e0d\u540c\u8d26\u6237\u7c7b\u578b\u7684\u5408\u7406\u642d\u914d\u4e0e\u8fd0\u7528\uff0c\u80fd\u591f\u5e2e\u52a9\u4e2a\u4eba\u5728\u4e0d\u540c\u4eba\u751f\u9636\u6bb5\u66f4\u7075\u6d3b\u5730\u8c03\u8282\u7a0e\u52a1\u8d1f\u62c5\uff0c\u4f7f\u6574\u4f53\u9000\u4f11\u89c4\u5212\u66f4\u52a0\u9ad8\u6548\u3001\u7a33\u5065\u4e14\u5177\u53ef\u6301\u7eed\u6027\u3002<\/p>\n

\"\"\u7f8e\u56fd\u5965\u6dc7\u5b8f\u76dbCOO Kenneth Yuen (CFP\u00ae, ChFC) \u5148\u751f<\/p>\n

\u81f3\u6b64\uff0c\u3010\u5927\u800c\u7f8e\u6cd5\u6848\u4e0b\u7684\u8d22\u5bcc\u65b0\u5c40\u2014\u20142026\u4e2a\u4eba\u4e0e\u4f01\u4e1a\u7a0e\u52a1\u91cd\u5851\u4e0e\u8d44\u4ea7\u5e03\u5c40\u5168\u653b\u7565\u3011\u7a0e\u52a1\u5de1\u56de\u8bb2\u5ea7\u4e09\u573a\u5206\u4eab\u5df2\u5706\u6ee1\u843d\u5e55\u3002\u7ee7\u5de5\u4e1a\u5e02\u7ad9\u3001\u5c14\u6e7e\u7ad9\u83b7\u5f97\u70ed\u70c8\u53cd\u54cd\u540e\uff0c4\u67083\u65e5\u4e8e Arcadia \u5206\u516c\u53f8\u4e3e\u884c\u7684\u7b2c\u4e09\u573a\u8bb2\u5ea7\u4e5f\u5728\u73b0\u573a\u6765\u5bbe\u7684\u79ef\u6781\u53c2\u4e0e\u4e0e\u70ed\u70c8\u4ea4\u6d41\u4e2d\u987a\u5229\u5b8c\u6210\uff0c\u4e3a\u672c\u8f6e\u62a5\u7a0e\u5b63\u7cfb\u5217\u6d3b\u52a8\u753b\u4e0b\u4e86\u5145\u5b9e\u800c\u5706\u6ee1\u7684\u53e5\u70b9\u3002
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\u6211\u4eec\u7f8e\u56fd\u5965\u6dc7\u56fd\u9645\u91d1\u878d\/\u7f8e\u56fd\u5b8f\u76db\u4fdd\u9669\u4e0e\u7406\u8d22\u516c\u53f8\u62e5\u67094000\u591a\u540d\u719f\u6089\u8d22\u52a1\u7ba1\u7406\u53ca\u4fdd\u9669\u4e0e\u7406\u8d22\u7684\u9ad8\u7aef\u4e13\u4e1a\u4eba\u58eb\uff0c\u5728\u5168\u7f8e20\u4e2a\u5206\u516c\u53f8\u4e3a\u60a8\u63d0\u4f9b\u6700\u5b8c\u5584\u7684\u4e13\u4e1a\u670d\u52a1\uff0c\u5982\u679c\u60a8\u6709\u7a0e\u52a1\u548c\u7406\u8d22\u89c4\u5212\u76f8\u5173\u95ee\u9898\uff0c\u6b22\u8fce\u968f\u65f6\u8054\u7cfb\u6211\u4eec\u3002
\n\u58f0\u660e\uff1a
\n\u672a\u7ecf\u672c\u516c\u53f8\u6388\u6743\uff0c\u7981\u6b62\u64c5\u81ea\u8f6c\u8f7d\u3001\u590d\u5236\u3001\u6216\u4ee5\u5176\u4ed6\u65b9\u5f0f\u4f7f\u7528\u672c\u516c\u53f8\u6587\u7ae0\u3002\u5bf9\u4e8e\u4efb\u4f55\u672a\u7ecf\u8bb8\u53ef\u7684\u4f7f\u7528\u884c\u4e3a\uff0c\u672c\u516c\u53f8\u5c06\u4fdd\u7559\u8ffd\u7a76\u6cd5\u5f8b\u8d23\u4efb\u7684\u6743\u5229\u3002\u5f15\u7528\u5185\u5bb9\u65f6\uff0c\u8bf7\u52a1\u5fc5\u6ce8\u660e\u51fa\u5904\u3002<\/p>\n

\"\"<\/p>\n

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