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What Might Tax Reform Look Like Under President Trump?

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The 16th Amendment

There have been numerous changes made to the tax code since the 16th Amendment to the Constitution was adopted in 1913.  This Amendment granted the Federal government the ability to levy a tax on income.  The initial income tax rate was 1% on the first $20,000 of income. Congress immediately started tweaking the income tax system by adjusting bracket levels and assessing new taxes.  A series of 17 Internal Revenue Acts between 1913 and 1939 forced the government to consolidate these numerous Acts into a set of tax rules that became the first formal Internal Revenue Code of 1939.

Tax Reform in 1954 Simplifies the Code

Congress continued to add layers of rules and new laws to the Code so that by 1954, a major cleanup of the Code, which had again become too complex, was needed.  The Internal Revenue Code of 1954 became the first true tax reform to simplify the numerous complex layers of taxes and deductions.  The top tax bracket was now 91% but there was a wide range of deductions and shelters to shield taxpayers from paying at that level.

Enter the AMT

This new Code became the primary framework of the income tax system, but Congress continued to tweak the Code adding more and more complexity. Tax deductions and shelters were so expansive that some high-income taxpayers paid little or no income tax.  The Tax Reform Act of 1969 was passed when Treasury Secretary Joseph Barr discovered that 155 high-income households had not paid a dime of federal income taxes. These taxpayers had taken advantage of so many tax benefits and deductions that they had reduced their tax liability to zero.  The Alternative Minimum Tax (AMT) was created to close the loopholes.

The AMT is a supplemental income tax that, some feel, creates yet another level of complexity. The AMT is imposed at a nearly flat rate on an adjusted amount of taxable income above a certain threshold. Taxpayers are required to compute their tax liability two different ways and pay the higher amount.

Tax Reform Act of 1986

The Tax Reform Act of 1986 was passed to eliminate the years of complexity that had built up since the last tax reform in 1954.  This Act eliminated many of the deductions in exchange for a simplified tax code and reduced tax rates and reduced the number of brackets down to two – 15% and 28%.

More Complexity Added

Our tax code has been growing in complexity ever since.  The IRS website says it takes the average taxpayer 16 hours to fill out Form 1040 (70% of all tax returns).  They claim it takes 4 hours to complete the 1040 EZ.  The Tax Foundation says it takes the country 8.9 billion hours and cost $409 billion just to do their taxes. About 80% of individuals hire someone or buy tax software to file their taxes even though 64% of taxpayers don’t owe anything. Close to 67% of low income filers pay to have their taxes prepared.  There are six definitions of a child, more than a dozen educational credits and 16 different types of tax-favored savings plans.  The 2015 National Taxpayer Advocate report estimated each year small businesses spend approximately 2.5 billion hours preparing tax returns or otherwise responding to IRS inquiries about the preparation of their returns, the equivalent of 1.25 million full-time jobs.  The report estimated small businesses pay $16 billion to help prepare their tax returns.  In my opinion tax reform is long overdue.

What President Trump Proposes

What President Trump has proposed is not actually tax reform in the classic definition of simplification.  The President wants to reduce the current seven tax brackets down to three – 12%, 25% and 33%.  The current 3-tier capital gains tax structure, with 0%, 15%, and 20% rates, would remain in place (and continue to apply to qualified dividends as well).  Capital gains brackets would match the three income brackets.  I believe these proposals are a step in the right direction towards true tax reform.  However, it’s the President’s treatment of deductions that moves his position away from simplification.

Not So Simple

President Trump would keep all itemized deductions.  He would add to it a more aggressive phase out of many deductions at higher income levels. He wants to consolidate the standard deduction and personal exemptions into a single, larger standard deduction of $15,000 for individuals, and $30,000 for married couples.  The President has also proposed several new tax breaks that would apply specifically for families supporting dependents – either children or adult parents.

  • An above-the-line deduction for child care expenses.
  • A similar above-the-line deduction for “elder care” expenses.
  • A new Dependent Care Savings Account (DCSA).
  • Low-income households eligible for the EITC would get up to a 50% match.

Keeping the current complexity of itemized deductions, the new above-the-line deductions, and new tax-preferenced accounts, would, in my opinion, ultimately maintain or even add to the complexity of the tax code.

The “Better Way for Tax Reform”

The “Better Way for Tax Reform” proposal from House Republicans aims to truly simplify the tax system.  The goal of the reform proposal is to simplify the tax code so that many individual tax returns could be filed on a postcard.  The Republicans hold the White House and majorities in both houses of Congress.  There are some similarities about how to reform the tax code but disagreements remain.  It’s important to note the Tax Reform Act of 1986 took two years to pass.  American taxpayers are in desperate need of tax reform.  Maybe 2017 will be the year!

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September 16, 2011 — Compare Your Wealth
Lower Your Audit Profile
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Tax-Efficient Planning with an Inefficient Tax Code
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June 2011 Newsletter | Indexed Annuities, Planning for Pets
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May 20, 2011 — Annuity Traps (Part 1)
Inflation in Retirement
Consolidating Employer Retirement Accounts
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April 1, 2011 — Home Insurance
IRS on the Prowl

Past Newsletters:

January/February 2011 NewsletterPDF

  • TRA 2010 – Individual Implications
  • Planning Under the Tax Relief Act of 2010
  • Federal Estate Tax
  • Additional Tax Benefits for Individuals

November/December 2010 NewsletterPDF

  • Common Retirement Mistakes
  • One Year Before Retirement – Will You Be Ready?
  • Is Gold the Next Bubble?

October 2010 NewsletterPDF

  • Only Three Months Left to Get Your Finances in Order
  • Healthcare Reform Surprise
  • Hold Off on Your Required Minimum Distribution
  • Small Business Jobs Act of 2010

September 2010 NewsletterPDF

  • The Gift of Roth
  • Beware of Bond Funds
  • A Better Bond Strategy

July/August 2010 NewsletterPDF

  • How to Invest in a Tax-Efficient Way
  • Case Study: Joe Mitchell – Investor
  • Tax-Efficient Types of Funds
  • Review Your Portfolio

June 2010 NewsletterPDF

  • What You Should Know About Asset Allocation in Taxable, Tax-Deferred and Roth Accounts
  • Tax-Related Pitfalls
  • How You Save is Just as Important as How Much You Save
  • The Accountant and Financial Adviser Need to Work Together
  • The Tax Significance of Municipal Bonds and Their Risks

May 2010 NewsletterPDF

  • The Original Three-Legged Stool – An Explanation
  • Why a New Three-Legged Stool is Needed
  • Why Shouldn’t Financial Advisers Act as Fiduciaries?
  • Finding Money

April 2010 NewsletterPDF

  • Are Roth IRAs Protected from Creditors?
  • Convert Your IRA to a Roth Without Feeling the Tax Bite?
  • Roth IRA or 401(k) – Which is Best?
  • The Biggest Financial Planning Mistake? Not Having a Written Plan

March 2010 NewsletterPDF

  • Twelve Months and Counting
  • What Can We Learn from This?
  • How Does An Asset Allocation Strategy Work?
  • Borrowing Rules for Family Loans

February 2010 NewsletterPDF

  • Explaining the Pro-Rata Rule for Roth Conversions
  • Retiring Today – What Does It Mean for You?
  • Roth Conversions and RMDs
  • Paying Tax on a Roth Conversion

January 2010 NewsletterPDF

  • The Ban on Roth Conversions Has Ended
  • Will Inflation Return in 2010?
  • Should You Pay the Tax in 2010 or Defer It?

December 2009 NewsletterPDF

  • Looking Ahead to 2010
  • Asset Allocation for Today
  • Do You Have a Written Financial Plan?

November 2009 NewsletterPDF

  • Tax Planning for 2010
  • Bear Markets Are Your Friend
  • Municipal Bonds = Tax-Free Income

October 2009 NewsletterPDF

  • Charitable IRA Distributions
  • Naming a Beneficiary for Your Roth IRA
  • When Not to Convert to a Roth

September 2009 NewsletterPDF

  • Tax Loss Harvesting
  • Mutual Fund Taxation

August 2009 NewsletterPDF

  • Roth Conversions in 2009
  • Using ‘Green’ Tax Credits
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