Company Stock Distribution Analysis

Analyze tax implications of distributing company stock from retirement accounts using Net Unrealized Appreciation (NUA).

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Stock Distribution Details

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NUA Tax Analysis

Net Unrealized Appreciation$150,000
Ordinary Income Tax (on basis)$12,000
Capital Gains Tax (on NUA)$22,500
Total Tax with NUA Strategy$39,500
Total Tax without NUA$68,000
Tax Savings with NUA$28,500

Using the NUA strategy could save you $28,500 in taxes.

How it works›

Model and assumptions. Compares the entered company-stock basis and appreciation under the modeled distribution and tax assumptions. Net unrealized appreciation treatment depends on transaction eligibility and timing; the simplified comparison does not establish that a particular distribution qualifies.IRS Publication 575