{"id":89,"date":"2026-10-07T21:48:32","date_gmt":"2026-10-07T21:48:32","guid":{"rendered":"https:\/\/skycpa.net\/kr\/?p=89"},"modified":"2026-10-09T21:47:10","modified_gmt":"2026-10-09T21:47:10","slug":"trump-account-guide","status":"publish","type":"post","link":"https:\/\/skycpa.net\/kr\/trump-account-guide\/","title":{"rendered":"\uc790\ub140\uc758 \ubbf8\ub798\ub97c \uc704\ud55c \uc7a5\uae30 \uc800\ucd95 \uc81c\ub3c4: \ud2b8\ub7fc\ud504 \uacc4\uc88c(Trump Account)\uc758 \uc774\ud574\uc640 \ud65c\uc6a9 \uc804\ub7b5"},"content":{"rendered":"\n<div class=\"wp-block-group sky-box sky-keypoints\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<p class=\"sky-box-title wp-block-paragraph\">\ud575\uc2ec \uc694\uc57d<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>2025~2028\ub144\uc0dd \uc790\ub140\ub294 \uc5f0\ubc29 \uc815\ubd80\uc758 <strong>$1,000 \uc2dc\ub4dc \uc9c0\uc6d0\uae08<\/strong>\uc744 \ubc1b\uc744 \uc218 \uc788\uc73c\uba70, \ubcf4\ud638\uc790\uac00 \uc9c1\uc811 \uc2e0\uccad\ud574\uc57c \ud569\ub2c8\ub2e4.<\/li>\n\n\n\n<li>\uac00\uc871\uacfc \uace0\uc6a9\uc8fc\uac00 <strong>\uc5f0\uac04 \ucd5c\ub300 $5,000<\/strong>\uae4c\uc9c0 \ub0a9\uc785\ud560 \uc218 \uc788\uace0, \ud22c\uc790 \uc218\uc775\uc740 \uacfc\uc138\uac00 \uc774\uc5f0\ub429\ub2c8\ub2e4.<\/li>\n\n\n\n<li>18\uc138 \uc774\ud6c4 \uc18c\ub4dd\uc774 \ub0ae\uc740 \uc2dc\uae30\uc5d0 \ub2e8\uacc4\uc801\uc73c\ub85c <strong>Roth Conversion<\/strong>\uc744 \ud558\uba74 \ube44\uacfc\uc138 \uc790\uc0b0\uc73c\ub85c \ubc14\uafc0 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">\ucd5c\uadfc \ubbf8\uad6d \uc7ac\ubb34\ubd80\uc640 \uad6d\uc138\uccad(IRS)\uc740 \ub0b4\uad6d\uc138\ubc95(IRC) \u00a7530A\uc5d0 \uc758\uac70\ud558\uc5ec, \ubbf8\uc131\ub144 \uc790\ub140\uc758 \uc7a5\uae30\uc801\uc778 \uc790\uc0b0 \ud615\uc131\uc744 \uc9c0\uc6d0\ud558\ub294 <strong>\ud2b8\ub7fc\ud504 \uacc4\uc88c(Trump Account)<\/strong> \uc81c\ub3c4\ub97c \ubcf8\uaca9\uc801\uc73c\ub85c \uc2dc\uc791\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud2b9\ud788 2025\ub144\ubd80\ud130 2028\ub144 \uc0ac\uc774\uc5d0 \ucd9c\uc0dd\ud55c \uc790\ub140\ub97c \ub450\uc2e0 \ubd80\ubaa8\ub2d8\ub4e4\uaed8\uc11c\ub294 \uc5f0\ubc29 \uc815\ubd80\uc758 \ucd08\uae30 \uc9c0\uc6d0\uae08 \ud61c\ud0dd \ub300\uc0c1\uc774 \ub418\ubbc0\ub85c, \ud574\ub2f9 \uc81c\ub3c4\uc758 \uc8fc\uc694 \ub0b4\uc6a9\uacfc \ud5a5\ud6c4 \uc138\ubb34 \uc804\ub7b5\uc744 \uba74\ubc00\ud788 \ud655\uc778\ud574\ubcf4\uc2e4 \ud544\uc694\uac00 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1. \ud2b8\ub7fc\ud504 \uacc4\uc88c(Trump Account) \uac1c\uc694 \ubc0f \uc77c\uc815<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\ud2b8\ub7fc\ud504 \uacc4\uc88c\ub294 18\uc138 \ubbf8\ub9cc \uc790\ub140\uc758 \uc7a5\uae30 \uc790\uc0b0 \ub9c8\ub828\uc744 \ub3d5\uae30 \uc704\ud574 \uc2e0\uc124\ub41c \uc138\uc81c \ud61c\ud0dd\ud615 \ud22c\uc790 \uacc4\uc88c\uc785\ub2c8\ub2e4. \uae30\ubcf8\uc801 \ubc95\uc801 \uad6c\uc870\ub294 Traditional IRA \uacc4\uc88c\uc758 \uc720\ud615\uc744 \ub530\ub985\ub2c8\ub2e4.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\uadfc\ub85c\uc18c\ub4dd \uc694\uac74 \uc5c6\uc74c:<\/strong> \uc790\ub140 \ubcf8\uc778\uc758 \uadfc\ub85c\uc18c\ub4dd\uc774 \uc5c6\uc5b4\ub3c4 \ubd80\ubaa8, \uc870\ubd80\ubaa8 \ub4f1 \uac00\uc871\uc774 \uc790\uae08\uc744 \ub0a9\uc785\ud574 \uc904 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n\n\n\n<li><strong>\uacfc\uc138 \uc774\uc5f0 \uc131\uc7a5:<\/strong> \uacc4\uc88c \ub0b4\uc5d0\uc11c \ubc1c\uc0dd\ud558\ub294 \uc774\uc790, \ubc30\ub2f9 \ubc0f \ud22c\uc790 \uc218\uc775\uc5d0 \ub300\ud574\uc11c\ub294 \uc778\ucd9c \uc2dc\uc810\uae4c\uc9c0 \uc138\uae08 \ubd80\uacfc\uac00 \uc774\uc5f0(Tax-Deferred)\ub429\ub2c8\ub2e4.<\/li>\n\n\n\n<li><strong>\uc8fc\uc694 \uc2dc\ud589 \uc77c\uc815:<\/strong> 2026\ub144 7\uc6d4 4\uc77c\ubd80\ud130 \uacf5\uc2dd \uacc4\uc88c \ub0a9\uc785 \ubc0f \ud22c\uc790 \uc6b4\uc6a9\uc774 \uac1c\uc2dc\ub429\ub2c8\ub2e4. \ud604\uc7ac \uacf5\uc2dd \ud3ec\ud138(trumpaccounts.gov) \ubc0f \uc804\uc6a9 \uc571\uc744 \ud1b5\ud574 \uacc4\uc88c \ud655\uc778 \ubc0f \ud65c\uc131\ud654(Claim)\uac00 \uac00\ub2a5\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">2. \uc8fc\uc694 \ud575\uc2ec \ud61c\ud0dd<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u2460 \uc5f0\ubc29 \uc815\ubd80 \uc2dc\ub4dc \uc9c0\uc6d0\uae08 $1,000 (2025~2028\ub144\uc0dd)<\/strong><br>\uc544\ub798 \uc870\uac74\uc5d0 \ud574\ub2f9\ud558\ub294 \uc790\ub140\uc5d0\uac8c\ub294 \uc5f0\ubc29 \uc815\ubd80\uc5d0\uc11c \uc77c\ud68c\uc131 $1,000\uc758 \ucd08\uae30 \uc9c0\uc6d0\uae08\uc744 \uc9c0\uae09\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>2025\ub144 1\uc6d4 1\uc77c ~ 2028\ub144 12\uc6d4 31\uc77c \uc0ac\uc774 \ucd9c\uc0dd<\/li>\n\n\n\n<li>\uc720\ud6a8\ud55c \uc0ac\ud68c\ubcf4\uc7a5\ubc88\ud638(SSN)\ub97c \ubcf4\uc720\ud55c \ubbf8\uad6d \uc2dc\ubbfc\uad8c\uc790<\/li>\n\n\n\n<li>\ubd80\ubaa8\/\ubcf4\ud638\uc790\uac00 IRS \uc2e0\uccad \uc808\ucc28\ub97c \uc644\ub8cc\ud55c \uacbd\uc6b0<\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-group sky-box sky-important\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>\uc8fc\uc758<\/strong> \ubcf4\ud638\uc790\uac00 \uacf5\uc2dd \ud3ec\ud138\/\uc571 \ub610\ub294 IRS Form 4547 \uc81c\ucd9c\uc744 \ud1b5\ud574 \uc9c1\uc811 \uc2e0\uccad(Claim)\uc744 \uc644\ub8cc\ud574\uc57c \uc9c0\uc6d0\uae08\uc774 \ucd5c\uc885 \uc9c0\uae09\ub429\ub2c8\ub2e4.<\/p>\n<\/div><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u2461 \uc5f0\uac04 \ub0a9\uc785 \ud55c\ub3c4 ($5,000)<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\ubd80\ubaa8, \uc870\ubd80\ubaa8, \uc81c3\uc790 \ubc0f \uace0\uc6a9\uc8fc \uc9c0\uc6d0\uae08\uc744 \ud3ec\ud568\ud558\uc5ec \uc5f0\uac04 \ucd5c\ub300 $5,000\uae4c\uc9c0 \ub0a9\uc785\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. (\uc815\ubd80 \uc9c0\uc6d0\uae08 $1,000\uc740 \ud55c\ub3c4 \uc0b0\uc815\uc5d0\uc11c \uc81c\uc678)<\/li>\n\n\n\n<li>\ubd80\ubaa8\uac00 \ub0a9\uc785\ud558\ub294 \uc790\uae08\uc740 \uc18c\ub4dd\uacf5\uc81c(Tax-Deductible) \ub300\uc0c1\uc774 \uc544\ub2cc \uc138\ud6c4 \uc790\uae08(Non-deductible contribution)\uc785\ub2c8\ub2e4.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u2462 \uace0\uc6a9\uc8fc(Employer) \ube44\uacfc\uc138 \uc9c0\uc6d0<\/strong><br>\uace0\uc6a9\uc8fc\uac00 \uc801\uaca9 \ud504\ub85c\uadf8\ub7a8\uc744 \uc6b4\uc601\ud560 \uacbd\uc6b0, \uc9c1\uc6d0 \ubd80\uc591\uac00\uc871\uc758 \uacc4\uc88c\ub85c \uc5f0\uac04 \ucd5c\ub300 $2,500\uae4c\uc9c0 \ube44\uacfc\uc138 \ubcf5\ub9ac\ud6c4\uc0dd \uc9c0\uc6d0\uc744 \uc81c\uacf5\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. (\uc9c1\uc6d0 1\uc778\ub2f9 \ud569\uc0b0 \ud55c\ub3c4\uc774\uba70, \ucd1d \ub0a9\uc785 \ud55c\ub3c4 $5,000 \ub0b4\uc5d0 \ud3ec\ud568)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u2463 \uc548\uc815\uc131\uc744 \uace0\ub824\ud55c \uc9c0\uc218 \ud22c\uc790 (18\uc138 \uc774\uc804)<\/strong><br>\uc790\ub140\uac00 18\uc138\uac00 \ub418\uae30 \uc804\uae4c\uc9c0\ub294 \uc704\ud5d8 \uad00\ub9ac\ub97c \uc704\ud574 \uc6b4\uc6a9\ubcf4\uc218(Expense Ratio) 0.10% \uc774\ud558\uc758 \ubbf8\uad6d \uc8fc\uc2dd\uc9c0\uc218(\uc608: S&amp;P 500 \ub4f1) \ucd94\uc885 \uc801\uaca9 \ud380\ub4dc\ub85c\ub9cc \uc6b4\uc6a9\uc774 \uc81c\ud55c\ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3. \ub300\ud45c\uc801 \uc790\ub140 \uc800\ucd95\/\ud22c\uc790 \uc218\ub2e8 \ube44\uad50<\/h3>\n\n\n\n<figure class=\"wp-block-table sky-table\"><table><thead><tr><th>\uad6c\ubd84<\/th><th>Trump Account (IRC \u00a7530A)<\/th><th>529 College Savings Plan<\/th><th>Custodial Roth IRA<\/th><th>UTMA \/ UGMA<\/th><\/tr><\/thead><tbody><tr><td>\uc8fc\uc694 \ubaa9\uc801<\/td><td>\uc7a5\uae30 \uc790\uc0b0 \ud615\uc131 &amp; \uc740\ud1f4 \uc900\ube44<\/td><td>\ub300\ud559 \ubc0f \uc801\uaca9 \uad50\uc721\ube44 \ub9c8\ub828<\/td><td>\uc790\ub140\uc758 \uc7a5\uae30 \uc740\ud1f4 \uc790\uc0b0 \uc900\ube44<\/td><td>\uc790\ub140\uc5d0\uac8c \uc99d\uc5ec \ubc0f \uc790\uc0b0 \uc774\uc804<\/td><\/tr><tr><td>\uc815\ubd80 \uc9c0\uc6d0\uae08<\/td><td>2025~2028\ub144\uc0dd $1,000 \uc9c0\uc6d0<\/td><td>\uc5c6\uc74c (\uc8fc\ubcc4 \ud61c\ud0dd \uc0c1\uc774)<\/td><td>\uc5c6\uc74c<\/td><td>\uc5c6\uc74c<\/td><\/tr><tr><td>\uc790\ub140 \uc18c\ub4dd \uc694\uac74<\/td><td>\ubd88\ud544\uc694<\/td><td>\ubd88\ud544\uc694<\/td><td>\ud544\uc218 (\uadfc\ub85c\uc18c\ub4dd \ud55c\ub3c4 \ub0b4)<\/td><td>\ubd88\ud544\uc694<\/td><\/tr><tr><td>\ub0a9\uc785 \ud55c\ub3c4<\/td><td>\uc5f0\uac04 $5,000<\/td><td>\uc8fc\ubcc4 \ucd1d \uc794\uc561 \ud55c\ub3c4 ($30\ub9cc~$50\ub9cc)<\/td><td>\uc5f0\uac04 $7,500 (2026\ub144 \uae30\uc900)<\/td><td>\ud55c\ub3c4 \uc5c6\uc74c (\uc99d\uc5ec\uc138 \uace0\ub824 \ud544\uc694)<\/td><\/tr><tr><td>\uc778\ucd9c \uc2dc \uc138\uae08<\/td><td>\uc778\ucd9c \uc2dc \uc18c\ub4dd\uc138 \uacfc\uc138 (\uc6d0\uae08 \uc81c\uc678)<\/td><td>\uc801\uaca9 \uad50\uc721\ube44 \uc778\ucd9c \uc2dc \ube44\uacfc\uc138<\/td><td>\uc801\uaca9 \uc778\ucd9c \uc2dc \uc644\uc804 \ube44\uacfc\uc138<\/td><td>\ub9e4\ub144 \uacfc\uc138 (Kiddie Tax)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">4. [\uc804\ubb38\uac00 Tip] 18\uc138 \uc774\ud6c4 \uc790\uc0b0 \uc6b4\uc6a9 Strategy: Roth Conversion \ud65c\uc6a9<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Trump Account\ub294 \uacfc\uc138\uac00 \uc774\uc5f0\ub418\ub294 Traditional IRA \uc131\uaca9\uc758 \uacc4\uc88c\uc785\ub2c8\ub2e4. \ub530\ub77c\uc11c 18\uc138 \uc774\ud6c4 \uc778\ucd9c\ud560 \ub54c \uc815\ubd80 \uc9c0\uc6d0\uae08\uacfc \ud22c\uc790 \uc218\uc775\uc5d0 \ub300\ud574 \uc77c\ubc18 \uc18c\ub4dd\uc138(Ordinary Income Tax)\uac00 \ubd80\uacfc\ub429\ub2c8\ub2e4. \uc774\ub97c \ubcf4\uc644\ud560 \uc218 \uc788\ub294 \uc7a5\uae30\uc801\uc778 \uc808\uc138 \uc804\ub7b5\uc774 \ubc14\ub85c 18\uc138 \uc774\ud6c4\uc758 <strong>Roth Conversion(Roth \uc804\ud658)<\/strong>\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<ol class=\"wp-block-list sky-steps\">\n<li><strong>\uc800\uc18c\ub4dd \uad6c\uac04(Tax Bracket) \ud65c\uc6a9:<\/strong> \uc790\ub140\uac00 18\uc138\uac00 \ub418\uc5b4 \uc131\uc778\uc774 \ub41c \ud6c4, \ub300\ud559\uc0dd\uc774\uac70\ub098 \uc0ac\ud68c \ucd08\ub144\uc0dd \uc2dc\uae30\uc5d0\ub294 \uc0c1\ub300\uc801\uc73c\ub85c \uc18c\ub4dd\uc774 \uc5c6\uac70\ub098 \ub9e4\uc6b0 \ub0ae\uc740 \uc138\uc728 \uad6c\uac04\uc5d0 \uc18d\ud558\uac8c \ub429\ub2c8\ub2e4.<\/li>\n\n\n\n<li><strong>Roth IRA\ub85c \ub2e8\uacc4\uc801 \uc804\ud658:<\/strong> \uc774\ub54c Trump Account \uc794\uc561(\ud2b9\ud788 \ud22c\uc790 \uc218\uc775 \ubc0f \uc815\ubd80 \uc9c0\uc6d0\uae08)\uc744 \uc790\ub140 \uba85\uc758\uc758 Roth IRA\ub85c \uc870\uae08\uc529 \uc804\ud658(Conversion)\ud569\ub2c8\ub2e4. \uc804\ud658 \uc2dc\uc810\uc5d0 \uc18c\uc18c\ud55c \uc18c\ub4dd\uc138\uac00 \ubc1c\uc0dd\ud560 \uc218 \uc788\uc9c0\ub9cc, \ub0ae\uc740 \uc138\uc728\uc774 \uc801\uc6a9\ub418\ubbc0\ub85c \uc138\uae08 \ubd80\ub2f4\uc744 \ucd5c\uc18c\ud654\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n\n\n\n<li><strong>\ud5a5\ud6c4 \uc644\uc804 \ube44\uacfc\uc138 \uc790\uc0b0\ud654:<\/strong> Roth IRA\ub85c \uc804\ud658\ub41c \uc790\uae08\uc740 \uc774\ud6c4 \ubc1c\uc0dd\ud558\ub294 \ubaa8\ub4e0 \ud22c\uc790 \uc218\uc775\uc5d0 \ub300\ud574 \ud5a5\ud6c4 \uc778\ucd9c \uc2dc \uc644\uc804 \ube44\uacfc\uc138(Tax-Free) \ud61c\ud0dd\uc744 \ubc1b\uac8c \ub429\ub2c8\ub2e4.<\/li>\n<\/ol>\n\n\n\n<div class=\"wp-block-group sky-box sky-tip\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>CPA \ud301<\/strong> 18\uc138 \uc774\uc804\uae4c\uc9c0\ub294 Trump Account\ub97c \ud1b5\ud574 \ube44\uacfc\uc138 \uc9c0\uc6d0\uae08($1,000)\uacfc \uc138\uae08 \uc774\uc5f0 \ubcf5\ub9ac \ud6a8\uacfc\ub97c \ub204\ub9ac\uace0, 18\uc138 \uc774\ud6c4 \uc18c\ub4dd\uc774 \ub0ae\uc740 \uc2dc\uae30\uc5d0 Roth Conversion\uc744 \uc2e4\ud589\ud558\uc5ec \uc7a5\uae30\uc801\uc73c\ub85c \uc644\uc804 \ube44\uacfc\uc138 \uc790\uc0b0\uc73c\ub85c \ubcc0\ubaa8\uc2dc\ud0a4\ub294 \uc804\ub7b5\uc774 \ub9e4\uc6b0 \uc720\uc6a9\ud569\ub2c8\ub2e4.<\/p>\n<\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">5. \uc790\uc8fc \ubb3b\ub294 \uc9c8\ubb38 (FAQ)<\/h3>\n\n\n\n<details class=\"wp-block-details sky-faq is-layout-flow wp-block-details-is-layout-flow\"><summary>\ubd80\ubaa8\uac00 \ub0a9\uc785\ud55c \uc6d0\uae08\ub3c4 \uc778\ucd9c \uc2dc \uc138\uae08\uc744 \ub0b4\ub098\uc694?<\/summary>\n<p class=\"wp-block-paragraph\">\uc544\ub2d9\ub2c8\ub2e4. \ubd80\ubaa8\ub098 \uac00\uc871\uc774 \ub0a9\uc785\ud55c \uc138\ud6c4 \uc790\uae08\uc740 \uc6d0\uae08(Basis)\uc73c\ub85c \uc778\uc815\ub418\ubbc0\ub85c \uc778\ucd9c \uc2dc \uc7ac\uacfc\uc138\ub418\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \ub2e4\ub9cc, \uc815\ubd80 \uc9c0\uc6d0\uae08, \uace0\uc6a9\uc8fc \uc9c0\uc6d0\uae08, \uadf8\ub9ac\uace0 \ubc1c\uc0dd\ud55c \ud22c\uc790 \uc218\uc775\uc740 \uc778\ucd9c \uc2dc \uacfc\uc138 \ub300\uc0c1\uc774 \ub429\ub2c8\ub2e4.<\/p>\n<\/details>\n\n\n\n<details class=\"wp-block-details sky-faq is-layout-flow wp-block-details-is-layout-flow\"><summary>18\uc138 \uc774\uc804\uc5d0\ub3c4 \ub3c8\uc744 \uc778\ucd9c\ud560 \uc218 \uc788\ub098\uc694?<\/summary>\n<p class=\"wp-block-paragraph\">\uc6d0\uce59\uc801\uc73c\ub85c 18\uc138 \uc774\uc804 \uc77c\ubc18 \uc778\ucd9c\uc740 \ubd88\uac00\ub2a5\ud569\ub2c8\ub2e4. (\ub2e4\ub978 \uc801\uaca9 Trump Account\ub098 ABLE \uacc4\uc88c\ub85c\uc758 \uc774\uc804 \ub4f1 \ubc95\uc815 \uc608\uc678\ub9cc \ud5c8\uc6a9) 18\uc138\uac00 \ub418\ub294 \ud574 1\uc6d4 1\uc77c\ubd80\ud130 \uc77c\ubc18 Traditional IRA \uaddc\uc815\uc774 \uc801\uc6a9\ub418\uc5b4 \uc778\ucd9c\uc774 \uac00\ub2a5\ud574\uc9d1\ub2c8\ub2e4.<\/p>\n<\/details>\n\n\n\n<h3 class=\"wp-block-heading\">6. \uacb0\ub860 \ubc0f \uc2e4\ud589 \uac00\uc774\ub4dc<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>2025~2028\ub144\uc0dd \uc790\ub140\uac00 \uc788\ub294 \uacbd\uc6b0:<\/strong> \uc790\ub140\uc758 SSN \ubc1c\uae09 \uc9c1\ud6c4 trumpaccounts.gov \ub610\ub294 \uacf5\uc2dd \uc571\uc744 \ud1b5\ud574 \uacc4\uc88c\ub97c \ud65c\uc131\ud654\ud558\uace0 Form 4547 \uc2e0\uccad\uc744 \uc9c4\ud589\ud558\uc5ec $1,000 \uc2dc\ub4dc \uc9c0\uc6d0\uae08\uc744 \ud655\ubcf4\ud558\uc2dc\uae30 \ubc14\ub78d\ub2c8\ub2e4.<\/li>\n\n\n\n<li><strong>\ucd94\uac00 \ub0a9\uc785 \uacc4\ud68d \uc218\ub9bd \uc2dc:<\/strong> \uad50\uc721\ube44 \ubaa9\uc801\uc774 \ucd5c\uc6b0\uc120\uc774\ub77c\uba74 529 Plan\uc744, \uc790\ub140\uc5d0\uac8c W-2\/1099 \uadfc\ub85c\uc18c\ub4dd\uc774 \uc788\ub2e4\uba74 Custodial Roth IRA\ub97c \uc6b0\uc120 \uace0\ub824\ud558\uc2dc\uace0, \uc18c\ub4dd \uc694\uac74 \uc5c6\uc774 \uc7a5\uae30 \uc740\ud1f4 \uc790\uc0b0\uc744 \ubd88\ub824\uc8fc\uace0 \uc2f6\ub2e4\uba74 Trump Account\ub97c \ubcd1\ud589 \ud65c\uc6a9\ud558\uc2dc\ub294 \uac83\uc744 \ucd94\ucc9c\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\uc790\ub140\uc758 \uad6c\uccb4\uc801\uc778 \uc0c1\ud669\uacfc \uac00\uacc4\uc758 \uc138\ubb34 \uad6c\uc870\uc5d0 \ub9de\ucd98 \ucd5c\uc801\uc758 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uad6c\uc131\uc740 \uc804\ubb38 CPA\uc640\uc758 \uc0c1\ub2f4\uc744 \ud1b5\ud574 \uacc4\ud68d\ud558\uc2dc\uae38 \uad8c\uc7a5\ud569\ub2c8\ub2e4.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>2025~2028\ub144\uc0dd \uc790\ub140\uc758 $1,000 \uc5f0\ubc29 \uc2dc\ub4dc \uc9c0\uc6d0\uae08, \uc5f0\uac04 $5,000 \ub0a9\uc785 \ud55c\ub3c4, 529\u00b7Roth IRA\u00b7UTMA \ube44\uad50, 18\uc138 \uc774\ud6c4 Roth Conversion \uc804\ub7b5\uae4c\uc9c0 \ud2b8\ub7fc\ud504 \uacc4\uc88c(IRC \u00a7530A)\uc758 \ud575\uc2ec\uc744 \uc815\ub9ac\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n","protected":false},"author":7,"featured_media":102,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[24],"tags":[],"class_list":["post-89","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financial-planning"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.6 - 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