Karen Lee Bertiger
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Barrington, IL 60011-1747
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Celebrating 25+ Years Career Experience in Investment Real Estate in 2008 With  30+ Years As An Investor

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This web & its information is a service to Karen Lee Bertiger's prospects, customers and clients. While designed to provide accurate and authoritative information, it is not meant as a substitute for your own CPA, professional tax advisor, or attorney. Investment real estate tax planning depends on your individual facts and circumstances. You should always consult with your own tax advisor to determine if the ideas and techniques discussed here apply to your situation.  It is offered with the understanding that Karen Lee Bertiger is not engaged in rendering legal, tax or accounting service.  If legal advice or other expert tax or accounting assistance is required, the opinion or the services of a competent professional person in those disciplines should be sought. The information contained in this web is offered in good faith, developed from sources deemed to be reliable, and believed to be accurate when prepared, but is offered without warranty, express or implied, as to its merchantability, fitness for a particular purpose, or any other matter. Karen Lee Bertiger disclaims all responsibility for any loss or damage arising from reliance on such information by any party.

E-PRO, Working With the Best Pays Off



 Legitimate reasons to complete a 1031 Tax Free-Exchange to either Arizona or Florida include preservation of equity, leverage, diversification, management relief and estate planning.

Could you benefit financially by relocating your real estate investments to a better supply and demand climate? And possibly yourself? When supply, demand, demographics and job growth are in your favor, generally your real estate investments will be safer. Diversify your locations. However, remember that when diversifying into a region you must be aware that diversification includes not just property types but regional economy types; e.g., certain regions are dependant upon a certain sector of the economy making all types of real estate investments vulnerable to any downturn in that sector. See more about managing risk. Capital gains tax rates are important in the analysis of the after tax return of a particular real estate investment for individuals. Many of the areas where real estate is performing well have lower taxation rates for both businesses and individuals. If demographics, supply & demand, as well as financial climate are important to you in your investing, then you need to be aware of this information.
SOURCE: Small Business Survival Index 2004
Appendix C: State Rankings of Top Capital Gains Tax Rates

By Rank, By State, the CG Rate

1 Alaska 0.000                                                            27 New Mexico 5.440

1 Florida 0.000                                                            28  North Dakota 5.540

1 Mississippi 0.000                                                       29  Vermont 5.700

1 Nevada 0.000                                                            30 Virginia 5.750

1 New Hampshire 0.000                                                31 Delaware 5.950

1 South Dakota 0.000                                                   32 Georgia 6.000

1 Tennessee 0.000                                                       32 Kentucky 6.000

1 Texas 0.000                                                              32 Missouri 6.000

1 Washington 0.000                                                      35 Kansas 6.450

1 Wyoming 0.000                                                         36 Utah 6.475

11 Wisconsin 2.700                                                      37 West Virginia 6.500

12 Illinois 3.000                                                           38 Nebraska 6.840

13 Pennsylvania 3.070                                                  39 Oklahoma 7.000

14 Idaho 3.120                                                            40 Hawaii 7.250

15 Indiana 3.400                                                         41 Ohio 7.500

16 Michigan 3.900                                                       42 Iowa 7.633

17 South Carolina 3.920                                              43 New York 7.700

18 Alabama 4.250                                                       44 Minnesota 7.850

19 Colorado 4.630                                                       45 North Carolina 8.250

20 Maryland 4.750                                                       46 Maine 8.500

21 Connecticut 5.000                                                   47 New Jersey 8.970

21 Rhode Island 5.000                                                 48 Oregon 9.000

23 Arizona 5.040                                                         49 California 9.300

24 Arkansas 5.047                                                       49 Dist. of Columbia 9.300

25 Louisiana 5.100                                                       51 Montana 9.350

26 Massachusetts 5.300

Federation of Tax Administrators

NOTE: For the latest information I have been able to find concerning how personal taxes are calculated in each state, please review this Informational Paper from the State of Wisconsin Legislative Fiscal Bureau, January 2001, Individual Income Tax Provisions in the States (PDF file).  It covers taxation in each state, including HOW your taxes are calculated. Even though many states claim that they tax capital gains at the same rates as the federal government, the actual calculations for what is a taxable capital gain are usually different in each state, which is why the effective capital gains tax rates can be different than the federal rates.  This is an important analysis point in determining the after-tax return of any real estate investment you might make. The after-tax return may be different for two potential buyers of the same property, because everyone's tax situation is different.