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4 Likely Tax Changes & How to Plan for Them

Retirement Watch Weekly
Brought to you by Eagle Financial Publications

Planning for Probable Tax Changes


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Bob CarlsonFellow Investor,

Since the election last Nov. 8, Republican leaders in Congress and new President Donald Trump made clear that changing the tax code is a priority.

There are many unknowns about what any final law will be and when it will be effective. (I caution you against following the advice of anyone who’s already telling you which changes to make in anticipation of the new law… but there are some issues you should think about and actions to consider taking when details are known.)

In general, a new tax law is likely to have lower tax rates for both individuals and businesses, but fewer deductions and other tax breaks.

If a law is enacted early in the year, it’s likely to take effect during 2017. This year would be a blended one in which the new tax rates are effective as of the date of enactment and current tax rates apply until then. If it takes longer to enact the law, it probably won’t be effective until 2018. Congress is likely to focus on business tax reform first and individual tax reform later.

There are some tax breaks and strategies that could be eliminated in a new law, and it’s worth noting to think about them now.

#1: The Stretch IRA

Both the Obama administration and key Republicans have proposed eliminating the Stretch IRA in recent years.

They propose requiring that all inherited traditional IRAs be fully distributed within five years after the original owner’s death. This change would likely also apply to Roth IRAs.

We’ve warned about the death of the Stretch IRA in the past. If your traditional IRA is intended primarily for your children or grandchildren, consider alternatives to the Stretch IRA now.

The earlier you start planning, the more options you have. Paid-up subscribers of Retirement Watch can read this month’s IRA Watch article for more details.

#2: Roth RMDs (Required Minimum Distributions)

It is possible that some of the advantages of a Roth IRA will be reduced.

The most likely change is to require RMDs for Roth owners. (They’re now required only for beneficiaries who inherit Roths.)

The distributions would still be tax free. You’d lose the tax-free compounding of income and gains on money you are forced to distribute, and it would reduce the tax-free nest egg you could leave to heirs.

The only action to consider now is to delay planned conversions of traditional IRAs to Roth IRAs until we know more. You might want to delay conversions anyway until we know if lower tax rates will take effect in 2017 or 2018. An alternative is to go ahead with planned conversions but be prepared to reverse them if a new tax law is enacted.

#3: Estate Tax Strategies

There are several moving parts that taxpayers (who might be subject to the federal estate tax) should consider.

The Obama administration last year issued proposed regulations that would limit many of the strategies used to reduce estate and gift taxes by decreasing the value of property that could be passed through family limited partnerships and other means.

The new administration and Congress might rescind or repeal those regulations. There is also a good possibility that the estate tax will be eliminated for all estates.

Consider putting on hold for the first half of the year any irrevocable actions that would be taken purely to reduce estate and gift taxes. We’ll reassess the prospects for new legislation at that time.

There are some exceptions, such as grantor retained annuity trusts (GRATs). These are likely to be grandfathered if the estate tax isn’t repealed and the new regulations or other restrictions go into effect.

If the estate tax is repealed, the only effect would be a loss of the attorney’s fees for setting up the GRAT, but that would be insurance to protect you in case the estate tax isn’t repealed.

Talk with your estate planner about which actions to consider postponing and which to implement.

#4: Transition-year Strategies

If the planned tax reform is enacted, there are ways to increase the tax savings.

Consider ways to move deductions into 2017 that would have been incurred in 2018, so they’ll be deducted at the higher tax rate. Also, consider delaying income and capital gains until 2018 to the extent you can, so they would be taxed at lower rates.

You might also want to liquidate in 2017 any business or investment assets that have paper losses. Deduct those losses in 2017 when they’re more valuable because of higher tax rates, if you have gains for them to offset.

Until next week,
Bob Carlson
Bob Carlson
Editor, Retirement Watch Weekly

Publisher's Note: Here’s what paid-up subscribers have access to in the new April issue of Retirement Watch:

  • Avoiding the 7 Deadly Estate Planning Mistakes
  • Transferring Family Real Estate
  • Maximizing the Power of the “Stretch IRA”
  • All About Second Homes and Vacation Homes
  • How To Beat the “Downsizing Surprises”

  • Click here to join Retirement Watch, and get immediate access to this month’s issue, plus the full archive of back issues and special reports.

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    Bob's Blog

    Medication-Reminder Apps
    by Bob Carlson
    Editor, Retirement Watch

    Most older Americans have one or more prescription medications they take on a regular basis. Many of those people have problems taking their medications as directed, especially when they’re taking multiple medications.

    For those who have smart phones or tablet computers, a source of help is an app that keeps them on schedule for their medications.

    In this article, the author says he tested all the pill-reminder apps he could find (47).

    Most of the apps are free or cost $1. He says most are also worth what they cost, concluding that the majority of the apps don’t work well.

    He concluded one app is the best of the bunch and does all he thinks it should, and there are a number that are close. Plus, the best app is free.

    Apparently, a pill reminder is what every coder attempts as My Very First App, because most of them are terrible. Some are just bare-bones, but others are aggressively bad. Plenty of them crash on opening. Lots are full of typos and broken English. Many of them make it extremely awkward to enter the pill information. Almost all of them should instantly go into the Great App Trash Bin in the Sky.

    Ronald Reagan's "Biggest Regret" Is About To Crush Retirees

    Former attorney general and Reagan confidant Ed Meese called it “the greatest domestic error of the Reagan administration.” It's been secretly fleecing U.S. taxpayers for the last 34 years… but that's nothing compared to the devastation it will cause in 2017, and beyond.

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    Want More Retirement Advice?

    Check out my website,, where you’ll find hundreds of free articles covering every aspect of retirement planning.

    Popular Posts:
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    Bob Carlson

    About Bob Carlson:

    Robert C. Carlson is the author of the books The New Rules of Retirement and Retirement Tax Guide, editor and investment director of the popular retirement newsletter, Retirement Watch, and editor of the free weekly e-letter, Retirement Watch Weekly.  Bob is a frequent speaker at investment conferences around the country, and you can also hear Bob as a featured guest on nationally-syndicated radio shows, such as The Retirement Hour, Dateline Washington, Family News in Focus, The Michael Reagan Show, Money Matters and The Stock Doctor.
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