Question
How does 529 front-loading avoid gift tax?
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Answer
It uses five years of annual exclusions at once.
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Question
When is a Traditional IRA contribution deductible?
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Answer
When MAGI and active-participant rules allow it.
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Question
Why do nondeductible Traditional IRA contributions matter later?
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Answer
They create basis tracked on Form 8606.
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Question
Why are Traditional IRA distributions partly taxable after nondeductible contributions?
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Answer
The basis portion is returned tax-free.
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