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Financial perspectives /
Market news /
Understanding tax law changes and tax bracket adjustments
Financial perspectives /
Market news /
Understanding tax law changes and tax bracket adjustments
ARTICLE
UNDERSTANDING TAX LAW CHANGES AND TAX BRACKET ADJUSTMENTS
December 18, 2023
Key takeaways
* Tax planning is important throughout the year to keep up with recent
modifications to tax codes and changes in your own financial life.
* Taxpayers should prepare for important rule changes scheduled to occur after
December 31, 2025, which may result in higher taxes for some.
* Now may be an opportune time to consider ways of positioning your portfolio
for tax efficiency today and in the future.
As with many investors, it’s likely you view taxes as an important consideration
when making financial decisions. You want to know how changes to the tax code,
along with market and economic dynamics, might impact your taxes and,
ultimately, your bottom line. It’s with investors like you in mind that we offer
the following guidance.
2024 ADJUSTMENTS TO 2023 TAX BRACKETS
Each year, tax brackets, standard deduction amounts and other important inputs
to tax planning are adjusted, generally in line with changes in the
cost-of-living. In a period of elevated inflation, adjustments were more
significant in 2023 and 2024 than in many previous years. The following
provisions apply to your 2024 income tax return (filed in 2025), depending on
your filing status:
TAX BRACKETS FOR 2024
Note that income is taxed on a graduated basis. For example, in the case of a
married couple filing a joint return, the first $23,200 of income is taxed at
the 10% federal rate. The next $71,100 (income between $23,200 and $94,300) is
taxed at a 12% rate, etc.
Tax rate
Single Filers
Married filing Joint Return
Head of Household
10%
$0 to $11,600
$0 to $23,200
$0 to $16,550
12%
$11,600 to $47,150
$23,200 to $94,300
$16,550 to $63,100
22%
$47,150 to $100,525
$94,300 to $201,050
$ 63,100 to $100,500
24%
$100,525 to $191,950
$201,050 to $383,900
$100,500 to $191,950
32%
$191,950 to $243,725
$383,900 to $487,450
$191,950 to $243,700
35%
$243,725 to $609,350
$487,450 to $731,200
$243,700 to $609,350
37%
Over $609,350
Over $731,200
Over $609,350
Source: Internal Revenue Service.
STANDARD DEDUCTION FOR 2024
The standard deduction represents the amount of income you can exclude from
taxes before the above tax rates begin to apply. Note that an added deduction is
allowed for those who are blind or over age 65.
Filing Status
Standard Deduction
For Those Blind or Age 65+
Single/Married Filing Separately
$14,600
$16,550
Married Filing Jointly
$29,200
$32,300
Head of Household
$21,900
$23,850
CAPITAL GAINS TAX BRACKETS FOR 2024
It is possible for individuals with lower income to pay no long-term capital
gains tax when selling appreciated assets that have been held for more than a
year (long-term capital gain). For example, the 0% long-term capital gains tax
applies to married couples filing a joint return with incomes of $94,050 or
below.
Applicable long-term capital gains tax rate
Single filers with taxable income over
Married Couples filing Joint returns, taxable income over
Heads of Households, taxable income over
0%
$0
$0
$0
15%
$47,025
$94,050
$63,000
20%
$518,900
$583,750
$551,350
STRATEGIES TO CONSIDER
The following strategies represent potential opportunities to consider,
depending on your circumstances.
MANAGING ITEMIZED DEDUCTIONS
Given current standard deduction levels, most people will not choose to itemize
deductions. However, in certain years, deductible expenses may be higher, and
some taxpayers may qualify to choose claiming those deductible expenditures on
their tax returns. For example, in a year where you make a large, tax-deductible
donation, itemizing may be advantageous. In such a year, it makes sense to try
to identify other expenses that can be “bundled” into the same year in order to
take full advantage of itemizing. This can include pre-paying property taxes (if
allowed).
ESTABLISHING A DONOR ADVISED FUND
You can set aside significant sums intended for charitable organizations in a
donor-advised fund (DAF). This is a charitable investment account designed to
help you provide financial support over a period of years to any eligible
IRS-qualified public charity. You place lump sums of cash or even long-term
appreciated assets into a DAF and generally, you are eligible to claim an
immediate tax deduction. Funds are invested and all earnings grow on a tax-free
basis. You make grant recommendations to have money directed to qualified
charitable organizations, which can occur over a period of years.
GIFTING APPRECIATED ASSETS
If you hold assets such as stock or real estate that have appreciated
significantly in value, they represent a capital gains tax liability when the
time comes to sell those assets. If you have charitable gifting intentions,
there can be advantages to gifting appreciated assets. Along with potentially
claiming a tax deduction, you won’t need to realize the capital gains by selling
the assets. Even if you don’t itemize deductions, gifting appreciated assets
rather than cash reduces your capital gains tax liability. This can be an
effective way to manage portfolio rebalancing while managing your tax burden by
selling an appreciated investment position. In addition, because you gifted the
assets, wash sale rules do not apply. Therefore, if you wish to continue owning
the asset (such as a stock), you can repurchase additional shares, but at an
increased cost basis, reducing future tax liabilities.
QUALIFIED CHARITABLE DISTRIBUTIONS
An effective way to manage required minimum distributions (RMDs) that apply to
those who reach age 72 is to take advantage of qualified charitable
distributions (QCDs). You can direct distributions from your IRAs to qualified
charitable organizations. The portion directed via a QCD is not subject to tax,
boosting your tax savings. New laws implemented in 2023 allow individuals age
70-1/2 or older to make a one-time gift of up to $50,000 (adjusted annually for
inflation) directly from an IRA to a charitable remainder unitrust, a charitable
remainder annuity trust or a charitable gift annuity. The amount directed into
such a trust or annuity would apply toward the $100,000 annual total QCD gift
limit.
TAX CONSIDERATIONS IN THE CURRENT ENVIRONMENT
Recent changes in the interest rate environment may have an impact on your tax
liability. If you invested in fixed income securities that pay high yields
(including bonds and CDs), the income generated is taxed at ordinary income tax
rates. Be aware of the potential impact as you file your 2023 tax return (in
early 2024).
The income tax considerations related to fixed income securities may make it
worthwhile to consider shifting some of those assets to long-term investments,
such as equities, which may provide long-term tax advantages. If held for more
than one year, the appreciated value is taxed at the more favorable capital
gains tax rate. In addition, capital gains tax rates also apply to qualified
dividend income (generally dividends paid by domestic companies) when specific
holding period requirement are met.
Tax code changes occur every year, including adjustments to income tax brackets.
Additionally, evolving market and economic dynamics make 2024 an opportune time
to take a fresh look at your tax planning strategies.
Interest rates are part of the calculation when establishing charitable
remainder trusts (CRTs). Today’s higher interest rate environment creates a
potential tax advantage for those who establish CRTs, which are irrevocable
trusts. You place assets into the trust, which can generate income for life or a
term up to 20 years to the grantor or a beneficiary. At the end of that term,
the remaining value goes to a qualified charitable organization. To determine
the amount that qualifies for a charitable tax deduction, an assumed interest
rate, the IRS’ so-called “7520 rate,” must be applied. In December 2023, that
rate reached 5.8% (compared with a rate that dropped to 4.2% in June 2023).1
With a higher applicable rate, the charitable remainder value of the trust
increases, which may allow the grantor to claim a larger tax deduction in the
year making the gift.
The 7520 rate is also part of the calculation for GRATs, another form of
irrevocable trust which is typically used by a grantor to transfer rapidly
appreciating property (e.g. shares of stock). The 7520 rate is used to determine
annuity payments back to the grantor and, conversely, a favorable 7520 rate may
allow a grantor to transfer large amounts of money to a remainder beneficiary
while paying little or no gift tax. Consider discussing these strategies with
your financial and tax professionals.
EXISTING TAX LAWS SET TO EXPIRE
In some cases, tax law changes are already built into the calendar. This is true
with many of the provisions included in the Tax Cut and Jobs Act (TCJA) that
passed in 2017. A number of the changes designed to be beneficial to taxpayers
are scheduled to “sunset” (or no longer apply), by Dec. 31, 2025. As that date
closes in, planning ahead is critical to leverage current, historically taxpayer
friendly tax laws and to mitigate the potential impact of the changes that are
scheduled to occur without further Congressional action. Here are some specific
changes that will occur after 2025 unless Congress acts to amend their sunset
status, and strategies to consider to offset these changes:
2023 TAX BRACKET ADJUSTMENTS
Under current law, the top tax bracket for individual taxpayers, estates and
trust income is 37%. It reverts to 39.6% after 2025. In addition, income
thresholds that apply to the top tax bracket are likely to decline, putting
certain high-income individuals at risk of greater tax liabilities if current
tax laws expire as scheduled.
Other tax brackets will move higher after Dec. 31, 2025 as well, including:
* The current 12% rate rising to 15%
* The current 22% rate rising to 25%
* The current 24% rate rising to 28%
TAX BRACKET STRATEGIES TO CONSIDER
To the extent you are able, you may want to consider accelerating income into
years prior to 2026 to take advantage of lower tax rates. You also will want to
consider the potential benefits of maximizing pre-tax contributions to your
retirement plan. In addition, if Roth IRA conversions are part of your long-term
strategy, it may be advantageous to begin strategically executing those
conversions as soon as possible in a strategic manner to capitalize on the
current reduced tax brackets.
ALTERNATIVE MINIMUM TAX (AMT) ADJUSTMENTS
Other provisions of the 2017 Act that could phase out after 2025 are exemption
amounts that determine a taxpayer’s exposure to AMT. Under current law, AMT only
affects several hundred thousand Americans. If current rules expire as
scheduled, AMT could affect 6.7 million taxpayers in 2026.2
AMT STRATEGIES TO CONSIDER
It may be particularly important for individuals with vested Incentive Stock
Options that can be exercised to consider doing so before 2026. Be sure to
connect with a tax professional to fully assess the tax complications.
PHASEOUT OF QUALIFIED BUSINESS INCOME DEDUCTION
The TCJA allowed a 20% tax deduction on business income for S Corporations. If
the provision expires as scheduled on Dec. 31, 2025, this deduction will no
longer be available.
BUSINESS INCOME DEDUCTION STRATEGIES TO CONSIDER
Shareholders of S corporations may want to consider an election to a C
corporation during the 2025 calendar year, as C corporations benefit from an
existing top tax rate of 21%. That may be more favorable than what would be the
applicable tax rate for an S corporation should the current tax deduction
expire.
UNIFIED GIFT AND ESTATE TAX DEDUCTION CUT DRAMATICALLY
The unified estate and gift tax deduction is valued at $12.92 million per
individual in 2023 and $13.61 million in 2024 (nearly $26 million for a married
couple in 2023 and more than $27 million in 2024). Note that the exemption
amount is rose significantly in 2023 and 2024 due to inflation adjustments.
However, this exemption amount will be cut approximately in half, with a
projected inflation-adjusted exemption of $6.8 million per person applicable in
2026 after the current tax law sunsets.
The ability to utilize certain lifetime gifting strategies will be limited,
because of a reduced lifetime gift tax exemption beginning on Jan. 1, 2026, if
not earlier. The same limitations apply to certain estate planning and wealth
transfer strategies at death, because of a reduced estate tax exemption.
GIFT AND ESTATE TAX DEDUCTION STRATEGIES TO CONSIDER
Individuals with large estates may want to capture the benefits of the current
enhanced exemption levels by stepping up the pace of lifetime gifting. For
example, the individual lifetime gift and estate tax exemption is scheduled to
drop to approximately $6.8 million in 2026, barring Congressional action. An
individual could gift up to $13.6 million prior to 2026. That may exhaust their
exemption by 2026, but it will reduce the size of their estate and potential
future estate tax liability significantly before more limited exemption levels
apply. The IRS has made clear that utilizing the current enhanced gift and
estate tax is permissible and will not have adverse consequences on taxpayers
going forward, even if current laws sunset at the end of 2025. Also note that
the opportunity to use this enhanced exemption may go away, so if it’s
appropriate to, you’ll want to capitalize on it in the available, pre-2026
window.
In addition, business owners have an opportunity of gifting an ownership
position as part of a lifetime gift. Depending on the structure of the business
and the share of the business assets being passed on, “illiquidity” and “lack of
control” discounts can apply to the valuation of business interests. For
instance, assuming a 15% discount, if passing on $1.4 million of business assets
as a gift, the lifetime gift tax exemption that needs to be claimed is much
lower (approximately $1.2 million), reflecting the illiquidity discount. Note
that the business valuation discount can vary. Leveraging business valuation
discounts in conjunction with current higher exemption amounts can result in
significant wealth preservation and transfer, if the actions occur prior to
January 1, 2026.
Be sure to consider any current gifting strategy in the context of your broader
financial plan. You want to be certain that large gifts you make now don’t
preclude you from pursuing other prioritized goals.
NEW BUSINESS ENTITY REPORTING REQUIREMENTS EFFECTIVE IN 2024
Under new federal legislation, the Corporate Transparency Act, most domestic and
foreign businesses operating in the U.S. will be required to file specific owner
& business information with the U.S. government. The intent of the new
requirement is to detect, prevent, and punish money laundering, terrorism, and
other business misconduct. The new rules apply to:
Any domestic reporting company that is a corporation, Limited Liability Company
(LLC) or entity created by filing a document with a secretary of state or any
similar office under the law of a state or American Indian Tribe.
Any foreign reporting company that is a corporation, formed under the law of a
foreign country and registered to do business with a secretary of state or any
similar office under the law of a state or American Indian Tribe.
Additional rules apply and certain corporations are exempt from the reporting
requirement. Failure to report as required can lead to civil and criminal
penalties. All existing entities must complete their initial filing with the
Financial Crimes Enforcement Network (FinCEN) by Jan. 1, 2025. Newly
created/registered entities established in 2024 must file their reports within
90 days of registration. These filings can be completed online through the
FinCEN website, but it may be beneficial for entities with complex ownership
structures seek the assistance of a tax professional or attorney.
BE PREPARED FOR NEW AND POTENTIAL TAX LAW CHANGES
While no new notable tax laws are on the horizon in 2024, changes could occur in
the future based on the outcome of the 2024 November elections. There is also a
high degree of certainty about the consequences if Congress does not act and
provisions of the Tax Cut and Jobs Act (outlined above) expire at the end of
2025. Therefore, during the existing but narrowing window of opportunity for
significant wealth preservation and transfer, it is important to consider
current tax laws and related sunset provisions and plan accordingly. We, as
always, closely monitor events in Washington and will keep you apprised of any
potential changes to the tax code that could affect your tax liability.
Be sure to consult with your wealth professional, tax advisor and attorney to
determine the most effective and appropriate tax planning strategies for you to
meet your unique goals.
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Source: Internal Revenue Service
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Tax Policy Center, Urban Institute and Brookings Institution, “Briefing
Book,” 2022.
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