GPMoney 金傘慈善理財

GPMoney 金傘慈善理財 金傘慈善理財是一個非盈利組織. 我們的目標是通過理財教育推廣, 財務規劃諮詢來回饋社區，以幫助更多人實現財務的成功和自由 Why can't ordinary people like you and me have it too?

2017年底成立一個非盈利組織. 目標是通過理財教育推廣, 財務規劃諮詢來回饋社區，以幫助更多人實現財務的成功和自由。

取名【金傘】是因爲一來從開始上班一直到退休、斷斷續續都有人會提到說為什麼只有那些高階層的人員會有所謂的【Golden Parachute]? 公司做得好他們分紅的多；公司做得不好他們也有Golden Parachute來保障他們的財務收入。為什麼普通的人不能？所以就讓我有了這個念頭， 替自己和幫助需要幫助的人創造我們自己的Golden Parachute的想法。

另外也希望幫自己也幫大家穿上降落傘(正確的理財知識)能安全地遨翔在人生的大風大雨，股市的大波大浪裡，能安全地降落到你想要過的財務自由後生活。

At the end of 2017, we set up a non-profit organization. The goal is to give back t

o the community through financial education promotion, financial planning consultation, and to help more people achieving financial success and independence. Named it 【Golden Parachute】 people always mentioned why only those high ranking executives in the companies have the so-called 【Golden Parachute】? If companies perform well, they would get decent bonus; If companies not doing well , they still have 【Golden Parachute】packages to protect their financial income? So that led me to the idea of creating our own 【Golden Parachute】 for myself and for those in needs. In addition, I also hope to help myself and everyone to put on a parachute (right financial knowledge) so that we can safely navigate through the up and down of financial world, the waves of the stock market. We can then all glide and land safely into the life we want to live after achieving financial independent.

Are you 65 years old or older? Live in your own home as your primary residence?Valley Water offers an exemption for qua...
04/25/2026



Are you 65 years old or older?

Live in your own home as your primary residence?

Valley Water offers an exemption for qualifying low-income seniors from the Safe, Clean Water special parcel tax.

The tax was renewed and approved by the voters in November 2020.

Program Requirements for 2026 (For Reference Only)
You could be exempt from the tax if you meet all of the following criteria:

** You were born before June 30, 1962.

** Your total household income for 2025 was approximately $75,112.

** Total household income is the total gross income for every person over 18 years old who lives in the home. It excludes capital gains.

** You live in and own the home the tax is assessed on.
Please note that mobile homes in parks and homes that are in an irrevocable trust are not eligible.

Check their website:

https://www.valleywater.org/safe-clean-water-and-natural-flood-protection-program/low-income-senior-parcel-tax-exemption

#稅務規劃 金傘通常推薦比較好的時機作Roth Conversion 是either 在股市大跌(可以多轉些股票）or 年底的時候（比較清楚當年的收入和稅率狀況如何）不過這往往就比較容易觸發IRS的underpayment 罰款😱爲什...
04/07/2026

#稅務規劃




金傘通常推薦比較好的時機作Roth Conversion 是either 在股市大跌(可以多轉些股票）or 年底的時候（比較清楚當年的收入和稅率狀況如何）

不過這往往就比較容易觸發IRS的underpayment 罰款😱爲什麼呢？今年太多人問，想就寫一篇來提醒大家!

因爲國稅局和加州都把全年稅負額度按季度平均應付；如果你是年底才有大筆的進帳，像作Roth conversion 或vast 股票或大筆年終獎金😍就可能觸發underpayment penalty。

避罰方式是在報稅時用 annualized income installment method 說明你的收入確實是後段才大增，這樣才可以把最後才進帳收入的稅負只放進到第四季而不是全年平均。

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聯邦要填什麼：

聯邦通常要看 Form 2210，如果你的收入在年內不平均，就用 Schedule AI（Annualized Income Installment Method）來算，可能減少或消除罰款。

如果你是因為第四季大筆錢入帳才讓收入集中在後面，那 Form 2210 + Schedule AI 通常就是核心文件

記得不要勾「要IRS幫你算罰款」，勾了TurboTax就不會附上Form2210，那就白搭了😔

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加州要填什麼：

記得還要填加州Form FTB 5805稅表!!! 加州也要求把5805 附在報稅表後面，並在 Form 540 / 540NR 的指定欄位勾選。

記得不要勾「要IRS幫你算罰款」，勾了TurboTax就不會附上FTB 5805稅表，那就白搭了😔

去年只填聯邦的2210稅表，忘記填加州的5805稅表，被罰不少錢😓

以爲TurboTax 會從聯邦underpayment 稅表自動啟動加州underpayment tax form，看來TurboTax 沒這麼聰明，還是要自己手動去報。需要 5805 稅表才能把錢要回來💪

Avoid the IRS underpayment penalty and learn how to calculate and pay estimated taxes with Form 2210. Our guide explains the rules, deadlines, and exceptions to help you stay on top of your tax obligations.

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