Dual-W-2 Household Using One STR and One LTR to Control Tax Volatility
$227,900
Estimated Annual Tax Reduction
32.8% → 25.9%
Estimated Effective Federal Tax Rate
$1,190,000
Total Household Income
Client Profile
Married couple, both W-2 earners, with growing income and limited planning flexibility.
Spouse A W-2: $620,000
Spouse B W-2: $410,000
Rental income: $160,000
Strategy Overview
Creating stability rather than maximum reduction.
Implementation Highlights
• STR classified as non-passive
• Cost segregation on STR
• Conservative depreciation optimization on LTR
• Rental expense timing
Key Results
Total rental-related deductions: ~$695,000
Tax impact at blended rates: ~$227,900
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