{"id":6808,"date":"2018-06-25T06:40:12","date_gmt":"2018-06-25T13:40:12","guid":{"rendered":"http:\/\/evergreensmallbusiness.com\/?p=6808"},"modified":"2020-01-30T09:03:31","modified_gmt":"2020-01-30T17:03:31","slug":"right-way-to-handle-inherited-ira-accounts","status":"publish","type":"post","link":"https:\/\/evergreensmallbusiness.com\/right-way-to-handle-inherited-ira-accounts\/","title":{"rendered":"Right Way to Handle Inherited IRA Accounts"},"content":{"rendered":"

\"An<\/a>There\u2019s a right way and a wrong way to deal with inherited IRA accounts.<\/span><\/p>\n

And in this blog post, I want to talk in general terms about the right way to handle inherited IRA accounts.<\/p>\n

I will also point out some other resources you can tap for more detailed information.<\/p>\n

TIP #1: Determine any RMDs from Inherited IRA Accounts<\/h1>\n

A first tip amounts to a housekeeping point: Some inheritors will need to take required minimum distributions (RMDs) from any IRA accounts they inherit. (If they don\u2019t, the IRS hits them with excise tax penalties which can add up.) For these folks, one essentially calculates the required minimum distribution by dividing the beginning of the year balance by the remaining life expectancy. If you get an account with a $50,000 balance and your life expectancy equals another 50 years, you might need to take at least $1,000 from the IRA account that year.<\/p>\n

Tip:<\/strong> Ask the IRA custodian if the RMDs rule applies in your situation.<\/p>\n

By the way? You can take more money out of an inherited IRA than the required minimum distribution. But you need to take at least the required minimum distribution amount in order to avoid those penalties.<\/p>\n

Also, this complicating factor: Most inheritors, under new tax law (effective starting in 2020) don’t take required minimum distributions. Rather, they simply need to draw down the IRA within ten years. In this case, I think you probably want to smoothly draw down the balance of any tax-deferred accounts you inherit over ten years. (But see the next tip for why I say this.) And then I think you want to delay as long as possible (so until the end of the ten-year time frame) drawing any Roth account balances.<\/p>\n

TIP #2: Move Money into Your Own IRA or 401(k)<\/h1>\n

Now I need to be clear about this: In general, you can\u2019t simply transfer money from an inherited IRA account directly into your own IRA account. That doesn\u2019t work.<\/p>\n

Note:<\/strong> Spouses can basically do this. But I\u2019m not talking about that situation here. I\u2019m talking about a child or grandchild or some other person inheriting an IRA.<\/p>\n

But here\u2019s what you can sometimes do–and probably should do if you can. If you\u2019ve got earned income or work someplace with a 401(k) or Simple-IRA plan, you should probably use the money from an inherited IRA to bump your own IRA or 401(k) contributions.<\/p>\n

For example, if you take $1,000 from an inherited IRA and then bump up your IRA contribution by $1,000, you have in effect moved the money.<\/p>\n

Or if you have an inherited with $100,000 in it that you need to draw down over the next ten years, you probably want to look options like drawing out $10,000 each year from the inherited IRA and then using that money to (indirectly) bump contributions to your 401(k), your spouse’s 401(k) or your IRAs.<\/p>\n

This movement of money from one account to another won\u2019t have any immediate tax effect. The money from the inherited traditional “tax-deferred” IRA counts as income. The contribution to your own traditional “tax-deferred” IRA works as a deduction. In the end, they should net out to having \u201czero\u201d income tax impact on your tax return.<\/p>\n

But you\u2019ll in effect \u201cleave\u201d the money in an IRA account so it\u2019s there for your own retirement some day. You want to do this.<\/p>\n

TIP #3: Look for Matching Money<\/h1>\n

Do you or your spouse (if you\u2019re married) work someplace where contributions to an employer-provided retirement plan also gets you a \u201cmatching\u201d contribution?<\/p>\n

Here\u2019s what you must do: You need to use the money you pull out of the inherited IRA to grab that match.<\/p>\n

For example, if you need to pull $1,000 out of an inherited IRA, but you can use that money to contribute $1,000 to an employer plan with a 50% or 100% match, you get an immediate risk-free return on your investing.<\/p>\n

A 401(k) plan with a 50% matching contribution immediately<\/em> grows your $1,000 to $1,500 for example.<\/p>\n

A Simple-IRA plan with a 100% matching contribution immediately<\/em> grows your $1,000 to $2,000.<\/p>\n

Grabbing employer matching contributions you would not otherwise get–say because cash flow is tight–massively jacks up the retirement account balance you end up with. The calculations are a little complicated, but you can pretty easily bump your ending balance by 40% or more.<\/p>\n

Note:<\/strong> With a 40% bump in your ending balance, a $50,000 inherited IRA that might otherwise grow to say $200,000 by the time you retire might instead grow to $280,000.<\/p>\n

TIP #4: Move Inherited IRA Money as Fast as You Can<\/h1>\n

If you need to use inherited IRA money to grab employer matching contributions, that\u2019s probably most important.<\/p>\n

But if you\u2019ve got that handled or were already maximizing your employer match, here\u2019s something else you want to do: Move the money as fast as you can.<\/p>\n

I say this for a couple of awkward reasons. (Sorry.)<\/p>\n

First, the money in a regular IRA is very protected from creditors.<\/p>\n

Even in a worst case scenario where creditors\u00a0 sue you and get a judgement, the money in a regular IRA account gets quite a bit of protection. Almost no creditors, typically, can get at that money.<\/p>\n

However, creditors can get at money you\u2019ve got stored in an inherited IRA account. That money is essentially treated like just another \u201cbank\u201d account.<\/p>\n

A second awkward reason to move the money as fast as you (again, subject to grabbing all the matching money from employers you can get): You may inherit another IRA account\u2026 and this trick of siphoning off money from inherited IRA account into your own \u201creal\u201d IRA account doesn\u2019t work as well if you find yourself needing to move lots of money from multiple accounts (or from a single big account).<\/p>\n

Yes, you can move $6,000 to $7.000 into an IRA each year. Simple-IRA contributions run $13,500 to $16,500 annually per person. 401(k) contributions run $19,500 to $25,500 annually. (Double these amounts, potentially, if you\u2019re married).<\/p>\n

But a big inherited IRA could push you to take RMDs or non-RMD draws larger than these amounts.<\/p>\n

The way to minimize this predicament? Again, subject to the matching issue just mentioned, do move the money as fast as you can.<\/p>\n

If matching contributions don\u2019t apply and you\u2019re married, maybe you move enough money to fill up both IRA accounts (so $12,000 to $14,000 a year). Even if the RMD amount is only $10,000 a year.<\/p>\n

TIP #5: Disclaim inherited IRA Balances You Don\u2019t Need<\/h1>\n

A final tip: If you inherit an IRA account you don\u2019t need\u2014say you\u2019ve got your retirement taken care\u2014consider disclaiming the IRA account if disclaiming results in you transferring money to your heirs (probably your kids).<\/p>\n

The kids can then try to siphon the money out of the inherited account and into their retirement accounts using the gambits described above.<\/p>\n

One caution: Disclaiming something like an IRA can get complicated.<\/p>\n

If you and your two brothers are the primary beneficiaries on, say, a parent’s IRA account and you inherit and disclaim, probably your two brothers share the IRA balance. Your share does not, in other words, go to your heirs.<\/p>\n

But here’s another example: If you are listed as the single primary beneficiary on a parent’s IRA and you disclaim, probably the IRA balance goes to the secondary beneficiary which might be your kids.<\/p>\n

Bottomline: Be really careful if you disclaim. Ask the custodian for help. Consult a tax or estate attorney if you have any question. But do consider this option.<\/p>\n

P.S. Be sure to send them a link to this blog post.<\/p>\n

Some Additional Resources<\/h1>\n

The IRS website provides good granular detail about inherited IRAs here<\/a>.<\/p>\n

We’ve got some additional information about Roth-style accounts here: Are Roth 401(k)s and Roth IRA accounts really a good idea.<\/a><\/p>\n

Finally, if you run your own small business, you probably ought to think about how the new Sec. 199A deduction changes your retirement planning options.<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

There\u2019s a right way and a wrong way to deal with inherited IRA accounts. And in this blog post, I want to talk in general terms about the right way to handle inherited IRA accounts. I will also point out some other resources you can tap for more detailed information. TIP #1: Determine any RMDs […]<\/p>\n","protected":false},"author":1,"featured_media":2877,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"categories":[10,20],"tags":[],"class_list":{"0":"post-6808","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-personal-finance","8":"category-retirement","9":"entry"},"yoast_head":"\nRight Way to Handle Inherited IRA Accounts - Evergreen Small Business<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/evergreensmallbusiness.com\/right-way-to-handle-inherited-ira-accounts\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Right Way to Handle Inherited IRA Accounts\" \/>\n<meta property=\"og:description\" content=\"There\u2019s a right way and a wrong way to deal with inherited IRA accounts. And in this blog post, I want to talk in general terms about the right way to handle inherited IRA accounts. I will also point out some other resources you can tap for more detailed information. TIP #1: Determine any RMDs […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/evergreensmallbusiness.com\/right-way-to-handle-inherited-ira-accounts\/\" \/>\n<meta property=\"og:site_name\" content=\"Evergreen Small Business\" \/>\n<meta property=\"article:published_time\" content=\"2018-06-25T13:40:12+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2020-01-30T17:03:31+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/evergreensmallbusiness.com\/wp-content\/uploads\/2016\/03\/nest_egg.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"849\" \/>\n\t<meta property=\"og:image:height\" content=\"565\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Stephen Nelson CPA\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@SeattleCPA\" \/>\n<meta name=\"twitter:site\" content=\"@SeattleCPA\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Stephen Nelson CPA\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"7 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/evergreensmallbusiness.com\\\/right-way-to-handle-inherited-ira-accounts\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/evergreensmallbusiness.com\\\/right-way-to-handle-inherited-ira-accounts\\\/\"},\"author\":{\"name\":\"Stephen Nelson CPA\",\"@id\":\"https:\\\/\\\/evergreensmallbusiness.com\\\/#\\\/schema\\\/person\\\/81bbd61b04df6d67d261eaa871e65e36\"},\"headline\":\"Right Way to Handle Inherited IRA Accounts\",\"datePublished\":\"2018-06-25T13:40:12+00:00\",\"dateModified\":\"2020-01-30T17:03:31+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/evergreensmallbusiness.com\\\/right-way-to-handle-inherited-ira-accounts\\\/\"},\"wordCount\":1328,\"commentCount\":0,\"image\":{\"@id\":\"https:\\\/\\\/evergreensmallbusiness.com\\\/right-way-to-handle-inherited-ira-accounts\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/evergreensmallbusiness.com\\\/wp-content\\\/uploads\\\/2016\\\/03\\\/nest_egg.jpg\",\"articleSection\":[\"personal finance\",\"retirement\"],\"inLanguage\":\"en\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/evergreensmallbusiness.com\\\/right-way-to-handle-inherited-ira-accounts\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/evergreensmallbusiness.com\\\/right-way-to-handle-inherited-ira-accounts\\\/\",\"url\":\"https:\\\/\\\/evergreensmallbusiness.com\\\/right-way-to-handle-inherited-ira-accounts\\\/\",\"name\":\"Right Way to Handle Inherited IRA Accounts - Evergreen Small Business\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/evergreensmallbusiness.com\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/evergreensmallbusiness.com\\\/right-way-to-handle-inherited-ira-accounts\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/evergreensmallbusiness.com\\\/right-way-to-handle-inherited-ira-accounts\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/evergreensmallbusiness.com\\\/wp-content\\\/uploads\\\/2016\\\/03\\\/nest_egg.jpg\",\"datePublished\":\"2018-06-25T13:40:12+00:00\",\"dateModified\":\"2020-01-30T17:03:31+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/evergreensmallbusiness.com\\\/#\\\/schema\\\/person\\\/81bbd61b04df6d67d261eaa871e65e36\"},\"breadcrumb\":{\"@id\":\"https:\\\/\\\/evergreensmallbusiness.com\\\/right-way-to-handle-inherited-ira-accounts\\\/#breadcrumb\"},\"inLanguage\":\"en\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/evergreensmallbusiness.com\\\/right-way-to-handle-inherited-ira-accounts\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en\",\"@id\":\"https:\\\/\\\/evergreensmallbusiness.com\\\/right-way-to-handle-inherited-ira-accounts\\\/#primaryimage\",\"url\":\"https:\\\/\\\/evergreensmallbusiness.com\\\/wp-content\\\/uploads\\\/2016\\\/03\\\/nest_egg.jpg\",\"contentUrl\":\"https:\\\/\\\/evergreensmallbusiness.com\\\/wp-content\\\/uploads\\\/2016\\\/03\\\/nest_egg.jpg\",\"width\":849,\"height\":565,\"caption\":\"An inherited IRA can solve your retirement problem if you handle it right.\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/evergreensmallbusiness.com\\\/right-way-to-handle-inherited-ira-accounts\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/evergreensmallbusiness.com\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Right Way to Handle Inherited IRA Accounts\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/evergreensmallbusiness.com\\\/#website\",\"url\":\"https:\\\/\\\/evergreensmallbusiness.com\\\/\",\"name\":\"Evergreen Small Business\",\"description\":\"Actionable Insights from Small Business CPAs\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/evergreensmallbusiness.com\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/evergreensmallbusiness.com\\\/#\\\/schema\\\/person\\\/81bbd61b04df6d67d261eaa871e65e36\",\"name\":\"Stephen Nelson CPA\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/fa0c0563c8278d739d19e83181897fe96010490739f2050455931c5de2bf7fdd?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/fa0c0563c8278d739d19e83181897fe96010490739f2050455931c5de2bf7fdd?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/fa0c0563c8278d739d19e83181897fe96010490739f2050455931c5de2bf7fdd?s=96&d=mm&r=g\",\"caption\":\"Stephen Nelson CPA\"},\"url\":\"https:\\\/\\\/evergreensmallbusiness.com\\\/author\\\/seattlecpa2014\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Right Way to Handle Inherited IRA Accounts - Evergreen Small Business","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/evergreensmallbusiness.com\/right-way-to-handle-inherited-ira-accounts\/","og_locale":"en_US","og_type":"article","og_title":"Right Way to Handle Inherited IRA Accounts","og_description":"There\u2019s a right way and a wrong way to deal with inherited IRA accounts. And in this blog post, I want to talk in general terms about the right way to handle inherited IRA accounts. I will also point out some other resources you can tap for more detailed information. TIP #1: Determine any RMDs […]","og_url":"https:\/\/evergreensmallbusiness.com\/right-way-to-handle-inherited-ira-accounts\/","og_site_name":"Evergreen Small Business","article_published_time":"2018-06-25T13:40:12+00:00","article_modified_time":"2020-01-30T17:03:31+00:00","og_image":[{"width":849,"height":565,"url":"https:\/\/evergreensmallbusiness.com\/wp-content\/uploads\/2016\/03\/nest_egg.jpg","type":"image\/jpeg"}],"author":"Stephen Nelson CPA","twitter_card":"summary_large_image","twitter_creator":"@SeattleCPA","twitter_site":"@SeattleCPA","twitter_misc":{"Written by":"Stephen Nelson CPA","Est. reading time":"7 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/evergreensmallbusiness.com\/right-way-to-handle-inherited-ira-accounts\/#article","isPartOf":{"@id":"https:\/\/evergreensmallbusiness.com\/right-way-to-handle-inherited-ira-accounts\/"},"author":{"name":"Stephen Nelson CPA","@id":"https:\/\/evergreensmallbusiness.com\/#\/schema\/person\/81bbd61b04df6d67d261eaa871e65e36"},"headline":"Right Way to Handle Inherited IRA Accounts","datePublished":"2018-06-25T13:40:12+00:00","dateModified":"2020-01-30T17:03:31+00:00","mainEntityOfPage":{"@id":"https:\/\/evergreensmallbusiness.com\/right-way-to-handle-inherited-ira-accounts\/"},"wordCount":1328,"commentCount":0,"image":{"@id":"https:\/\/evergreensmallbusiness.com\/right-way-to-handle-inherited-ira-accounts\/#primaryimage"},"thumbnailUrl":"https:\/\/evergreensmallbusiness.com\/wp-content\/uploads\/2016\/03\/nest_egg.jpg","articleSection":["personal finance","retirement"],"inLanguage":"en","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/evergreensmallbusiness.com\/right-way-to-handle-inherited-ira-accounts\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/evergreensmallbusiness.com\/right-way-to-handle-inherited-ira-accounts\/","url":"https:\/\/evergreensmallbusiness.com\/right-way-to-handle-inherited-ira-accounts\/","name":"Right Way to Handle Inherited IRA Accounts - Evergreen Small Business","isPartOf":{"@id":"https:\/\/evergreensmallbusiness.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/evergreensmallbusiness.com\/right-way-to-handle-inherited-ira-accounts\/#primaryimage"},"image":{"@id":"https:\/\/evergreensmallbusiness.com\/right-way-to-handle-inherited-ira-accounts\/#primaryimage"},"thumbnailUrl":"https:\/\/evergreensmallbusiness.com\/wp-content\/uploads\/2016\/03\/nest_egg.jpg","datePublished":"2018-06-25T13:40:12+00:00","dateModified":"2020-01-30T17:03:31+00:00","author":{"@id":"https:\/\/evergreensmallbusiness.com\/#\/schema\/person\/81bbd61b04df6d67d261eaa871e65e36"},"breadcrumb":{"@id":"https:\/\/evergreensmallbusiness.com\/right-way-to-handle-inherited-ira-accounts\/#breadcrumb"},"inLanguage":"en","potentialAction":[{"@type":"ReadAction","target":["https:\/\/evergreensmallbusiness.com\/right-way-to-handle-inherited-ira-accounts\/"]}]},{"@type":"ImageObject","inLanguage":"en","@id":"https:\/\/evergreensmallbusiness.com\/right-way-to-handle-inherited-ira-accounts\/#primaryimage","url":"https:\/\/evergreensmallbusiness.com\/wp-content\/uploads\/2016\/03\/nest_egg.jpg","contentUrl":"https:\/\/evergreensmallbusiness.com\/wp-content\/uploads\/2016\/03\/nest_egg.jpg","width":849,"height":565,"caption":"An inherited IRA can solve your retirement problem if you handle it right."},{"@type":"BreadcrumbList","@id":"https:\/\/evergreensmallbusiness.com\/right-way-to-handle-inherited-ira-accounts\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/evergreensmallbusiness.com\/"},{"@type":"ListItem","position":2,"name":"Right Way to Handle Inherited IRA Accounts"}]},{"@type":"WebSite","@id":"https:\/\/evergreensmallbusiness.com\/#website","url":"https:\/\/evergreensmallbusiness.com\/","name":"Evergreen Small Business","description":"Actionable Insights from Small Business CPAs","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/evergreensmallbusiness.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en"},{"@type":"Person","@id":"https:\/\/evergreensmallbusiness.com\/#\/schema\/person\/81bbd61b04df6d67d261eaa871e65e36","name":"Stephen Nelson CPA","image":{"@type":"ImageObject","inLanguage":"en","@id":"https:\/\/secure.gravatar.com\/avatar\/fa0c0563c8278d739d19e83181897fe96010490739f2050455931c5de2bf7fdd?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/fa0c0563c8278d739d19e83181897fe96010490739f2050455931c5de2bf7fdd?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/fa0c0563c8278d739d19e83181897fe96010490739f2050455931c5de2bf7fdd?s=96&d=mm&r=g","caption":"Stephen Nelson CPA"},"url":"https:\/\/evergreensmallbusiness.com\/author\/seattlecpa2014\/"}]}},"_links":{"self":[{"href":"https:\/\/evergreensmallbusiness.com\/wp-json\/wp\/v2\/posts\/6808","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/evergreensmallbusiness.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/evergreensmallbusiness.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/evergreensmallbusiness.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/evergreensmallbusiness.com\/wp-json\/wp\/v2\/comments?post=6808"}],"version-history":[{"count":0,"href":"https:\/\/evergreensmallbusiness.com\/wp-json\/wp\/v2\/posts\/6808\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/evergreensmallbusiness.com\/wp-json\/wp\/v2\/media\/2877"}],"wp:attachment":[{"href":"https:\/\/evergreensmallbusiness.com\/wp-json\/wp\/v2\/media?parent=6808"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/evergreensmallbusiness.com\/wp-json\/wp\/v2\/categories?post=6808"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/evergreensmallbusiness.com\/wp-json\/wp\/v2\/tags?post=6808"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}