“真”富人們需要考慮take action的有兩點

1. Urgency for high-net-worth families: Wealthy individuals and couples should consider making large lifetime gifts before the end of 2025 to take advantage of the higher exemption amounts while they last. (make sense only if estimated estate beyond 7 million)

2. Roth conversions: With potentially higher tax rates after 2025, some may consider Roth IRA conversions to take advantage of the current lower tax rates.