{"id":13537,"date":"2023-12-11T08:21:12","date_gmt":"2023-12-11T16:21:12","guid":{"rendered":"https:\/\/www.sacregcf.org\/dua-ra-loi-khuyen-cho-nhung-nam-vang-cua-khach-hang\/"},"modified":"2024-08-20T15:25:49","modified_gmt":"2024-08-20T22:25:49","slug":"dua-ra-loi-khuyen-cho-nhung-nam-vang-cua-khach-hang","status":"publish","type":"post","link":"https:\/\/www.sacregcf.org\/vi\/dua-ra-loi-khuyen-cho-nhung-nam-vang-cua-khach-hang\/","title":{"rendered":"\u0110\u01b0a ra l\u1eddi khuy\u00ean cho nh\u1eefng n\u0103m v\u00e0ng c\u1ee7a kh\u00e1ch h\u00e0ng"},"content":{"rendered":"\n<div class=\"wp-block-group no-dots has-global-padding is-layout-constrained wp-container-core-group-is-layout-44fbf568 wp-block-group-is-layout-constrained\" style=\"margin-top:0;margin-bottom:0;padding-right:20px;padding-left:20px\">\n<p class=\"wp-block-paragraph\">S\u1ef1 ph\u1ed5 bi\u1ebfn ng\u00e0y c\u00e0ng t\u0103ng c\u1ee7a Ph\u00e2n ph\u1ed1i t\u1eeb thi\u1ec7n \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n (QCD) d\u01b0\u1eddng nh\u01b0 \u0111ang truy\u1ec1n c\u1ea3m h\u1ee9ng cho ng\u00e0y c\u00e0ng nhi\u1ec1u ng\u01b0\u1eddi v\u1ec1 h\u01b0u \u0111\u00e1nh gi\u00e1 l\u1ea1i k\u1ebf ho\u1ea1ch t\u1eeb thi\u1ec7n c\u1ee7a h\u1ecd.\nTr\u01b0\u1edbc khi \u0111\u1ed3ng h\u1ed3 k\u1ebft th\u00fac n\u0103m 2023 trao c\u01a1 h\u1ed9i, h\u00e3y ch\u1eafc ch\u1eafn r\u1eb1ng b\u1ea1n \u0111\u00e3 quen thu\u1ed9c v\u1edbi c\u00e1c k\u1ef9 thu\u1eadt t\u1eeb thi\u1ec7n kh\u00e1c nhau h\u1ea5p d\u1eabn nh\u1ea5t \u0111\u1ed1i v\u1edbi <a href=\"https:\/\/nam10.safelinks.protection.outlook.com\/?url=https%3A%2F%2Fwww.nasdaq.com%2Farticles%2Fyour-blueprint-for-tax-efficient-golden-years&amp;data=05%7C01%7Cchelsea%40sacregcf.org%7C9c3cdf6d18934ac3e92c08dbf275395f%7Cd1f36890155144d985e0c6bd601992cf%7C0%7C0%7C638370357580104262%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000%7C%7C%7C&amp;sdata=h3oLEuthvmXXsKvvqSbcZPsLkDciPGjZrtrBd%2B2AmSc%3D&amp;reserved=0\">ng\u01b0\u1eddi v\u1ec1 h\u01b0u<\/a> v\u00e0 nh\u1eefng c\u00e1ch kh\u00e1c nhau m\u00e0 Qu\u1ef9 c\u00f3 th\u1ec3 gi\u00fap \u0111\u1ee1. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D\u01b0\u1edbi \u0111\u00e2y l\u00e0 b\u1ed1n \u0111\u1eb7c \u0111i\u1ec3m c\u1ee7a ng\u01b0\u1eddi v\u1ec1 h\u01b0u v\u00e0 c\u00e1c t\u00ecnh hu\u1ed1ng t\u1eeb thi\u1ec7n c\u1ee7a h\u1ecd s\u1ebd gi\u00fap b\u1ea1n ph\u1ee5c v\u1ee5 kh\u00e1ch h\u00e0ng \u0111\u00e3 ngh\u1ec9 h\u01b0u c\u1ee7a m\u00ecnh.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>K\u1ebft n\u1ed1i nhi\u1ec1u h\u01a1n v\u1edbi c\u1ed9ng \u0111\u1ed3ng<\/strong>.\nNh\u1eefng ng\u01b0\u1eddi v\u1ec1 h\u01b0u th\u01b0\u1eddng c\u1ea3m th\u1ea5y c\u00f3 m\u1ed1i li\u00ean h\u1ec7 l\u1edbn h\u01a1n v\u1edbi c\u1ed9ng \u0111\u1ed3ng c\u1ee7a h\u1ecd v\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c phi l\u1ee3i nhu\u1eadn y\u00eau th\u00edch h\u01a1n so v\u1edbi c\u00e1c kh\u00e1ch h\u00e0ng ch\u01b0a ngh\u1ec9 h\u01b0u c\u1ee7a b\u1ea1n.\nCho d\u00f9 \u0111\u00f3 l\u00e0 v\u00ec thu nh\u1eadp c\u1ee7a ng\u01b0\u1eddi v\u1ec1 h\u01b0u v\u00e0 kh\u1ea3 n\u0103ng cho \u0111i t\u01b0\u01a1ng \u1ee9ng d\u1ec5 d\u1ef1 \u0111o\u00e1n h\u01a1n, ho\u1eb7c v\u00ec ng\u01b0\u1eddi v\u1ec1 h\u01b0u c\u00f3 nhi\u1ec1u th\u1eddi gian h\u01a1n, tham gia v\u00e0o c\u00e1c nguy\u00ean nh\u00e2n y\u00eau th\u00edch c\u00f3 th\u1ec3 gi\u00fap ng\u01b0\u1eddi v\u1ec1 h\u01b0u duy tr\u00ec <a href=\"https:\/\/nam10.safelinks.protection.outlook.com\/?url=https%3A%2F%2Fmoney.usnews.com%2Fmoney%2Fretirement%2Farticles%2Fhow-to-retire-like-a-billionaire&amp;data=05%7C01%7Cchelsea%40sacregcf.org%7C9c3cdf6d18934ac3e92c08dbf275395f%7Cd1f36890155144d985e0c6bd601992cf%7C0%7C0%7C638370357580104262%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000%7C%7C%7C&amp;sdata=ngGUrqhQos9v5ZFJwMItWDLEy6%2B84hsxqQChREEriGM%3D&amp;reserved=0\">ho\u1ea1t \u0111\u1ed9ng<\/a> v\u00e0 th\u1eadm ch\u00ed tr\u00e1nh <a href=\"https:\/\/nam10.safelinks.protection.outlook.com\/?url=https%3A%2F%2Fwww.huffpost.com%2Fentry%2F5-ways-to-avoid-loneliness-in-retirement_b_6968264&amp;data=05%7C01%7Cchelsea%40sacregcf.org%7C9c3cdf6d18934ac3e92c08dbf275395f%7Cd1f36890155144d985e0c6bd601992cf%7C0%7C0%7C638370357580104262%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000%7C%7C%7C&amp;sdata=31Wlax3vqV4%2BOjhIebA%2Foz3ja9PBDiSqLxDrw61kscs%3D&amp;reserved=0\">\u0111\u01b0\u1ee3c s\u1ef1 c\u00f4 \u0111\u01a1n<\/a>.\nNh\u00f3m c\u1ee7a Qu\u1ef9 v\u1eabn k\u1ebft n\u1ed1i v\u1edbi h\u00e0ng tr\u0103m t\u1ed5 ch\u1ee9c phi l\u1ee3i nhu\u1eadn trong khu v\u1ef1c c\u1ee7a ch\u00fang t\u00f4i v\u00e0 vui v\u1ebb ph\u1ee5c v\u1ee5 nh\u01b0 m\u1ed9t ban \u00e2m thanh cho c\u00e1c kh\u00e1ch h\u00e0ng \u0111\u00e3 ngh\u1ec9 h\u01b0u c\u1ee7a b\u1ea1n mu\u1ed1n tham gia.     <\/li>\n\n\n\n<li><strong>\u00cdt c\u00f3 kh\u1ea3 n\u0103ng ph\u00e2n lo\u1ea1i c\u00e1c kho\u1ea3n kh\u1ea5u tr\u1eeb<\/strong>.\nNhi\u1ec1u ng\u01b0\u1eddi v\u1ec1 h\u01b0u \u00e1p d\u1ee5ng kh\u1ea5u tr\u1eeb ti\u00eau chu\u1ea9n tr\u00ean t\u1edd khai thu\u1ebf thu nh\u1eadp c\u1ee7a h\u1ecd v\u00ec h\u1ecd kh\u00f4ng c\u00f3 nhi\u1ec1u chi ph\u00ed \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 ph\u00e2n lo\u1ea1i, ch\u1eb3ng h\u1ea1n nh\u01b0 chi ph\u00ed kinh doanh v\u00e0 kh\u1ea5u tr\u1eeb l\u00e3i su\u1ea5t th\u1ebf ch\u1ea5p.\nGi\u00fap kh\u00e1ch h\u00e0ng \u0111\u00e3 ngh\u1ec9 h\u01b0u c\u1ee7a b\u1ea1n \u0111\u00e1nh gi\u00e1 xem c\u00e1c kho\u1ea3n kh\u1ea5u tr\u1eeb theo t\u1eebng m\u1ee5c trong nh\u1eefng n\u0103m nh\u1ea5t \u0111\u1ecbnh c\u00f3 th\u1ec3 c\u00f3 l\u1ee3i hay kh\u00f4ng.\nTh\u00f4ng qua <a href=\"https:\/\/www.sacregcf.org\/vi\/cac-nha-tai-tro\/quy-duoc-tu-van-cua-nha-tai-tro\/\">Qu\u1ef9 \u0111\u01b0\u1ee3c t\u01b0 v\u1ea5n cho nh\u00e0 t\u00e0i tr\u1ee3<\/a> t\u1ea1i Qu\u1ef9, kh\u00e1ch h\u00e0ng c\u1ee7a b\u1ea1n c\u00f3 th\u1ec3 t\u1eadp trung c\u00e1c kho\u1ea3n \u0111\u00f3ng g\u00f3p t\u1eeb thi\u1ec7n v\u00e0o c\u00e1c n\u0103m thu\u1ebf c\u1ee5 th\u1ec3 v\u00e0 h\u01b0\u1edfng l\u1ee3i t\u1eeb c\u00e1c kho\u1ea3n kh\u1ea5u tr\u1eeb \u1edf tr\u00ean v\u00e0 v\u01b0\u1ee3t qu\u00e1 kho\u1ea3n kh\u1ea5u tr\u1eeb ti\u00eau chu\u1ea9n.\n\u0110i\u1ec1u n\u00e0y \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 b\u00f3 v\u00e0 Qu\u1ef9 \u0111\u01b0\u1ee3c khuy\u00ean d\u00f9ng cho nh\u00e0 t\u00e0i tr\u1ee3 c\u00f3 th\u1ec3 gi\u00fap kh\u00e1ch h\u00e0ng c\u1ee7a b\u1ea1n t\u1eadn d\u1ee5ng c\u00e1c kho\u1ea3n kh\u1ea5u tr\u1eeb thu\u1ebf theo t\u1eebng m\u1ee5c trong khi v\u1eabn cho ph\u00e9p h\u1ecd cung c\u1ea5p h\u1ed7 tr\u1ee3 \u1ed5n \u0111\u1ecbnh cho c\u00e1c t\u1ed5 ch\u1ee9c phi l\u1ee3i nhu\u1eadn trong nh\u1eefng n\u0103m ti\u1ebfp theo n\u0103m ph\u00e2n lo\u1ea1i.    <\/li>\n\n\n\n<li><strong>Quan t\u00e2m nhi\u1ec1u h\u01a1n \u0111\u1ebfn vi\u1ec7c li\u00ean quan \u0111\u1ebfn con ch\u00e1u trong ho\u1ea1t \u0111\u1ed9ng t\u1eeb thi\u1ec7n c\u1ee7a h\u1ecd<\/strong>.\nQu\u1ef9 r\u1ea5t vui khi gi\u00fap c\u00e1c kh\u00e1ch h\u00e0ng \u0111\u00e3 ngh\u1ec9 h\u01b0u c\u1ee7a b\u1ea1n th\u1ef1c hi\u1ec7n mong mu\u1ed1n duy tr\u00ec k\u1ebft n\u1ed1i v\u1edbi con ch\u00e1u c\u1ee7a h\u1ecd, bao g\u1ed3m ch\u00ednh th\u1ee9c h\u00f3a vai tr\u00f2 cho c\u00e1c th\u00e0nh vi\u00ean gia \u0111\u00ecnh n\u00e0y v\u1edbi t\u01b0 c\u00e1ch l\u00e0 c\u1ed1 v\u1ea5n v\u00e0 c\u1ed1 v\u1ea5n k\u1ebf th\u1eeba c\u1ee7a qu\u1ef9 t\u01b0 v\u1ea5n t\u00e0i tr\u1ee3 c\u1ee7a ng\u01b0\u1eddi v\u1ec1 h\u01b0u t\u1ea1i Qu\u1ef9.\n\u0110\u00e2y th\u01b0\u1eddng l\u00e0 m\u1ed9t c\u00e1ch tuy\u1ec7t v\u1eddi v\u00e0 d\u1ec5 d\u00e0ng \u0111\u1ec3 c\u1ea5u tr\u00fac c\u00e1c \u01b0u ti\u00ean t\u1eeb thi\u1ec7n cho s\u1ef1 gi\u00e0u c\u00f3 c\u1ee7a th\u1ebf h\u1ec7 c\u0169ng nh\u01b0 t\u1ea1o ra c\u00e1c k\u00eanh giao ti\u1ebfp t\u00edch c\u1ef1c, x\u00e1c th\u1ef1c trong m\u1ed9t \u0111\u1ea1i gia \u0111\u00ecnh.  <\/li>\n\n\n\n<li><strong>\u1ee8ng c\u1eed vi\u00ean xu\u1ea5t s\u1eafc cho Ph\u00e2n ph\u1ed1i t\u1eeb thi\u1ec7n \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n (QCD).<\/strong>\nKh\u00e1ch h\u00e0ng c\u1ee7a b\u1ea1n \u00edt nh\u1ea5t 70 tu\u1ed5i r\u01b0\u1ee1i c\u00f3 th\u1ec3 ch\u1ec9 \u0111\u1ea1o ph\u00e2n ph\u1ed1i mi\u1ec5n thu\u1ebf (t\u1ed1i \u0111a $ 100,000 cho m\u1ed7i v\u1ee3 \/ ch\u1ed3ng v\u00e0o n\u0103m 2023) t\u1eeb IRA \u0111\u1ebfn m\u1ed9t t\u1ed5 ch\u1ee9c phi l\u1ee3i nhu\u1eadn \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n nh\u01b0 l\u0129nh v\u1ef1c quan t\u00e2m, \u0111\u01b0\u1ee3c ch\u1ec9 \u0111\u1ecbnh ho\u1eb7c qu\u1ef9 phi l\u1ee3i nhu\u1eadn t\u1ea1i Qu\u1ef9.\n\u0110\u1ed1i v\u1edbi nh\u1eefng kh\u00e1ch h\u00e0ng ph\u1ea3i th\u1ef1c hi\u1ec7n Ph\u00e2n ph\u1ed1i t\u1ed1i thi\u1ec3u b\u1eaft bu\u1ed9c (RMD), QCD \u0111\u1eb7c bi\u1ec7t <a href=\"https:\/\/nam10.safelinks.protection.outlook.com\/?url=https%3A%2F%2Fwww.jdsupra.com%2Flegalnews%2Fusing-your-ira-to-make-gifts-to-charity-9264923%2F&amp;data=05%7C01%7Cchelsea%40sacregcf.org%7C9c3cdf6d18934ac3e92c08dbf275395f%7Cd1f36890155144d985e0c6bd601992cf%7C0%7C0%7C638370357580104262%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000%7C%7C%7C&amp;sdata=%2Fuiqc8wQIU2u3CWE0PDknzd9Aof0eM4QhmhN9KvPit4%3D&amp;reserved=0\">c\u00f3 l\u1ee3i<\/a> v\u00ec ph\u00e2n ph\u1ed1i t\u1eeb thi\u1ec7n \u0111\u01b0\u1ee3c t\u00ednh v\u00e0o RMD v\u00e0 do \u0111\u00f3, kh\u00f4ng bao gi\u1edd r\u01a1i v\u00e0o thu nh\u1eadp ch\u1ecbu thu\u1ebf c\u1ee7a kh\u00e1ch h\u00e0ng.    <\/li>\n<\/ul>\n<\/div>\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"has-text-align-center no-dots has-small-font-size wp-block-paragraph\" style=\"padding-right:var(--wp--preset--spacing--36);padding-left:var(--wp--preset--spacing--36)\"><em>B\u00e0i vi\u1ebft n\u00e0y ch\u1ec9 \u0111\u01b0\u1ee3c cung c\u1ea5p cho m\u1ee5c \u0111\u00edch th\u00f4ng tin. N\u00f3 kh\u00f4ng nh\u1eb1m m\u1ee5c \u0111\u00edch t\u01b0 v\u1ea5n ph\u00e1p l\u00fd, k\u1ebf to\u00e1n ho\u1eb7c l\u1eadp k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh.  <\/em><\/p>\n<\/div>\n\n<div class=\"wp-block-group alignfull has-secondary-background-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-11217af7 wp-block-group-is-layout-constrained\" style=\"margin-top:var(--wp--preset--spacing--16);margin-bottom:0px;padding-top:var(--wp--preset--spacing--45);padding-bottom:var(--wp--preset--spacing--45)\">\n<div class=\"wp-block-group alignwide has-global-padding is-layout-constrained wp-container-core-group-is-layout-b9edf328 wp-block-group-is-layout-constrained\" style=\"margin-top:0;margin-bottom:0;padding-top:var(--wp--preset--spacing--36);padding-right:var(--wp--preset--spacing--24);padding-bottom:0;padding-left:var(--wp--preset--spacing--24)\">\n<figure class=\"wp-block-image aligncenter size-full is-resized\"><img decoding=\"async\" data-src=\"https:\/\/www.sacregcf.org\/wp-content\/uploads\/2023\/12\/white-dots.svg\" alt=\"\" class=\"wp-image-1033 lazyload\" style=\"width:100px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" \/><\/figure>\n\n\n\n<p class=\"has-text-align-center has-base-color has-text-color has-link-color wp-elements-a13ef3512139787f6f11f3d8a7f57a49 wp-block-paragraph\" style=\"font-size:clamp(1.039rem, 1.039rem + ((1vw - 0.2rem) * 0.801), 1.6rem);font-style:normal;font-weight:500\">C\u1ed1 v\u1ea5n, Nh\u1eadn m\u1edbi nh\u1ea5t!<\/p>\n\n\n\n<p class=\"has-text-align-center has-base-color has-text-color has-link-color wp-elements-1c791311486cfaa8fb0745c0127fa537 wp-block-paragraph\">\u0110\u00e1p \u1ee9ng c\u00e1c m\u1ee5c ti\u00eau t\u1eeb thi\u1ec7n c\u1ee7a kh\u00e1ch h\u00e0ng v\u00e0 c\u1eadp nh\u1eadt v\u1ec1 ho\u1ea1t \u0111\u1ed9ng t\u1eeb thi\u1ec7n m\u1edbi nh\u1ea5t v\u1edbi b\u1ea3n tin h\u00e0ng th\u00e1ng c\u1ee7a ch\u00fang t\u00f4i d\u00e0nh cho c\u00e1c c\u1ed1 v\u1ea5n chuy\u00ean nghi\u1ec7p.<\/p>\n\n\n\n<div class=\"wp-block-buttons alignwide has-custom-font-size has-medium-font-size is-horizontal is-content-justification-center is-nowrap is-layout-flex wp-container-core-buttons-is-layout-22850de9 wp-block-buttons-is-layout-flex\" style=\"margin-bottom:var(--wp--preset--spacing--36)\">\n<div class=\"wp-block-button has-custom-font-size secondary-button\" style=\"font-size:clamp(0.875rem, 0.875rem + ((1vw - 0.2rem) * 0.179), 1rem);\"><a class=\"wp-block-button__link has-base-color has-text-color has-link-color has-text-align-left wp-element-button\" href=\"https:\/\/lp.constantcontactpages.com\/su\/rwVA52a\" target=\"_blank\" rel=\"noreferrer noopener\">\u0110\u0103ng k\u00fd<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n","protected":false},"excerpt":{"rendered":"<p>D\u01b0\u1edbi \u0111\u00e2y l\u00e0 b\u1ed1n \u0111\u1eb7c \u0111i\u1ec3m c\u1ee7a ng\u01b0\u1eddi v\u1ec1 h\u01b0u v\u00e0 ho\u00e0n c\u1ea3nh l\u00e0m t\u1eeb thi\u1ec7n c\u1ee7a h\u1ecd.<\/p>\n","protected":false},"author":8,"featured_media":13538,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"tpgb_global_settings":"","_searchwp_excluded":"","_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","_members_access_role":[],"_members_access_error":"","_links_to":"","_links_to_target":""},"categories":[69],"tags":[],"class_list":["post-13537","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-thong-tin-chi-tiet-ve-co-van"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u0110\u01b0a ra l\u1eddi khuy\u00ean cho nh\u1eefng n\u0103m v\u00e0ng 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