Capital Gains Tax Explained: How to Keep More Profit

Описание: Capital gains taxes explained. I break down short‑term vs long‑term capital gains, why the 12‑month holding period matters, and how long‑term treatment can cut your top federal rate from 37% to 20%. You’ll see simple, real‑world examples—including stocks, your primary residence (with the MFJ exclusion), and a $10M business sale—so you can structure and time exits to keep more of your gains.

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What you’ll learn

What a capital gain really is and where it shows up (investments, primary home, business sales).
Short‑term vs long‑term: the 365‑day rule and why selling early can push you into ordinary‑income rates (up to 37%) instead of long‑term rates (up to 20%).
Primary residence basics: how appreciation is treated and the common $500k MFJ exclusion caveat.
Business‑sale case study: a plain‑English look at a $10M exit taxed at long‑term capital‑gains rates (~$2M federal at the 20% bracket, before state and other factors).
Action steps: hold for 12 months when possible, know your deal structure, and use an aligned tax/transaction team to target long‑term treatment.

Luke Turner: Co‑Founder, Moment Private Wealth
Education only. Not tax, legal, or investment advice. Rules vary by year and state; your situation is unique. Consult a qualified CPA/CFP/attorney before acting.