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Question

my parents are in their 80"s and the want to cash in a annuity. The taxable portion is around 125,000. This along with their normal income wound increase their AGI to around 180,000. Based on their age is income averaging an option for them. They could take the money in smaller payments but that is not their first choice.

Submitted: 15 days and 22 hours ago.
Category: Tax
Value: $30
Status: CLOSED
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State/Country relating to question: Ohio

Accepted Answer

Hello XXXXX,

 

Income Averaging was a wonderful tax option for people in a position like your parents, but unfortunately the IRS did away with Income Averaging a number of years ago. It is currently only available to people in the fishing and farming industries, due to the impact that the climate can have on the income from those occupations.

 

The only thing they might consider is to take half of the money now in 2009 and then the other half in 2010. I am assuming from the figures that you provided that their normal income is around $55,000. So if they take $62,000 each year (2009 and 2010) then they would have income of $117,000 each year. This will help keep them in a slightly lower bracket, and is really the only option, other than to simply take smaller payments over a number of years.

 

I will be leaving the forum very shortly, but if you have any follow up questions, feel free to post them here and I will follow up later this everning or first thing in the morning.

 

If this was helpful please press the Accept button.

 

Thank you XXXXX

 

 



Edited by Merlo on 11/5/2009 at 9:54 PM

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Expert: Merlo
Pos. Feedback: 99.8 %
Accepts: 
Answered: 11/5/2009

Accountant

25+ years tax consulting. Specializing in returns for US citizens living abroad

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