Caiati Financial Services | The Road Less Taxed

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“Widow’s Penalty” Impact on Effective Tax Rate Gross Income Married Filing Joint Single Filer Difference (“Widow’s Penalty”)

Percent Increase Represented

$100,000

11.3%

16%

4.7%

42%

$150,000

13.5%

19%

5.2%

39%

$200,000

16%

20.1%

4.1%

26%

$250,000

17.5%

22.2%

4.7%

27%

$300,000

18.7%

24.3%

5.6%

30%

$350,000

19.5%

25.9%

6.4%

33%

$400,000

20.1%

27.1%

7%

35%

$450,000

21.1%

28%

6.9%

33%

$500,000

22.2%

28.7%

6.5%

29%

Based on 2025 individual income tax bracket rates.

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