Retirees with low-cost-basis employer stock in their 401(k) can save $60,000 to $80,000 in federal taxes by using the Net Unrealized Appreciation (NUA) election instead of rolling the entire balance into an IRA. The NUA strategy involves taking a lump-sum distribution of the 401(k), moving employer stock to a taxable account, and paying ordinary income tax only on the original cost basis, while gains are taxed later at lower capital gains rates. This approach avoids the higher ordinary income tax rates on gains that apply when funds are rolled into an IRA. However, strict IRS rules require a full lump-sum distribution in one year, proper 1099-R coding, and careful selection of low-basis shares to qualify. Retirees should coordinate with plan administrators before separation to ensure the election is executed correctly and maximize tax savings.
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