You Took the NUA Distribution. Now the Question Is When to Sell — the tax on new gains, the concentration risk, the Medicare premium two years out. NUA Follow-Up Series Part 3.
Tax & Estate Planning

You Took the NUA Distribution. Now the Question Is When to Sell

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The NUA distribution locks in one tax advantage permanently, but the stock keeps moving after it leaves the plan. This final installment covers the one-year holding period on new gains, the concentration risk of holding, and the Medicare IRMAA surcharge that arrives two years after the sale.