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Nate Obringer, CFP®, RICP®
Financial Planner
Prudential Advisors
9800B McKnight Road, Suite 223
Pittsburgh, PA 15237
Phone: 412-318-4129
Fax: 877-840-2322
Email: nate.obringer@prudential.com
As we approach the last quarter of the year, tax-smart investors typically review their portfolios to determine which investments to hold and which ones to sell. When you conduct this exercise, you should understand a few basics about capital gains taxes.
Next, know the difference between short-term and long-term capital gains. Securities you sell after owning them for one year or less will produce short-term capital gains, and you’ll pay taxes on those gains at your ordinary income tax rate. The highest bracket in 2018 tops out at 37%.
For the majority of investors, whose annual income is lower, the capital gains rate is 15% for joint filers earning between $77,200 and $479,000 and single filers earning between $38,600 and $425,800. Taxpayers with adjusted gross incomes below these thresholds pay 0% on long-term capital gains.
* You should consider the fund’s investment objectives, charges, expenses and risks carefully before you invest. The
fund’s prospectus, which can be obtained from your financial representative, contains this and other information about the fund. Read the prospectus carefully before you invest or send money. Shares, when redeemed, may be worth more or less than their original cost.
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Nate Obringer is a Financial Planner with, and offers securities and investment advisory services through LPL Enterprise (LPLE), a Registered Investment Advisor, Member FINRA/SIPC, and an affiliate of LPL Financial.
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