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What eXp World Holdings Employees Should Know About 2025 and 2026 Federal Tax Brackets

Healthcare Provider Update: Healthcare Provider for eXp World Holdings eXp World Holdings primarily offers health insurance plans through UnitedHealthcare for its employees, ensuring access to a wide range of healthcare services and resources. Healthcare Cost Increases in 2026 As of 2026, healthcare costs are projected to surge significantly due to a combination of escalating medical expenses and the potential loss of enhanced federal subsidies. Major insurers, such as UnitedHealthcare, expect to implement steep rate increases, with some states reporting potential hikes exceeding 60%. For many members purchasing in the ACA marketplace, the expiration of premium subsidies could lead to an alarming spike in out-of-pocket costs-potentially increasing by over 75%. This scenario underscores the urgent need for individuals to strategically plan their healthcare options to mitigate financial impacts as they navigate these changes in the healthcare landscape. Click here to learn more

'eXp World Holdings employees can benefit from understanding how progressive tax brackets influence long-term income planning,' explains Paul Bergeron, a representative of The Retirement Group, a division of Wealth Enhancement. 'That's why I encourage individuals to review these rules carefully and consult a qualified tax professional for guidance tailored to their situation.'

'eXp World Holdings employees can gain clarity in their retirement planning by recognizing how federal tax brackets shape income decisions,' says Tyson Mavar, a representative of The Retirement Group, a division of Wealth Enhancement. 'I encourage individuals to work with a qualified tax professional to evaluate how these rules may apply to their circumstances.'

In this article, we will discuss:

How federal tax brackets work and why they matter.
How taxable income is calculated for retirement planning.
Strategies that may help reduce taxable income.

Navigating taxes can feel more manageable when you understand how your income is allocated to various federal tax bands. Income tax is calculated by the IRS using seven brackets that adjust annually for inflation. You do not pay the same rate on every dollar you earn because income is taxed progressively. Instead, your taxable income is divided into ranges, each taxed at its own rate. eXp World Holdings employees can benefit from understanding how their tax brackets may change as they prepare for retirement income decisions.

Below are the IRS’s official 2025 and 2026 bracket tables, along with an explanation of how federal brackets work. The Retirement Group can help review how these rules may influence your long-term income strategy. You can reach us at (800) 900-5867 .

How Federal Tax Brackets Work

The seven federal income tax brackets in the United States are 10%, 12%, 22%, 24%, 32%, 35%, and 37% .

This progressive structure means that each additional portion of income is taxed according to the next bracket as taxable income increases, which may be important for eXp World Holdings employees reviewing future retirement income.

Your marginal tax rate applies to the last dollar of taxable income you earn. Your effective tax rate represents the overall percentage of income paid toward federal tax after all brackets are applied.

Your tax brackets also depend on the filing status you choose:

- Single
- Married filing jointly
- Married filing separately
- Head of household (single with a qualifying dependent)

The IRS adjusts these brackets every year to account for inflation.

How Your Taxable Income Is Calculated

To determine taxable income, start by adding all sources of taxable income, such as interest, qualifying pre-2019 alimony, tips, bonuses, and both employment and freelance earnings.

Next, subtract items already included on your W-2, such as contributions to a health savings account (HSA) or retirement plan contributions through your employer (401(k)).

Then subtract either your itemized deductions or the standard deduction—whichever applies. The remaining amount is your taxable income.

A Federal Effective Tax Rate Example

If a married couple with $150,000 in total income files jointly in 2025 and takes the standard deduction of $31,500 , their taxable income becomes $118,500 . Their federal tax calculation would look like this:

- 10% on the first $23,850 → $2,385
- 12% on $23,851 to $96,950 → $8,772
- 22% on the remaining amount up to $118,500 → $4,741

- Total federal income tax: $15,898

- Effective tax rate: approximately 10.6%

(All bracket values sourced from IRS inflation adjustment notices above.)

Possible Strategies to Lower Taxable Income

These approaches may help reduce taxable income and potentially push you into a lower tax bracket:

- Contributing to traditional IRAs or employer retirement plans
- Adding funds to an HSA if enrolled in a qualifying high-deductible health plan
- Using tax-loss harvesting in taxable brokerage accounts
- Considering the timing of controlled income, such as bonuses or freelance payments

Starting in 2026, taxpayers who do not itemize may deduct up to $1,000 (single filers) or $2,000 (married filing jointly) for eligible cash charitable contributions.

Do You Have Questions About How Taxes Influence Retirement?

Federal tax brackets play a key role in retirement planning, especially when reviewing withdrawal timing, Social Security decisions, and income sources. eXp World Holdings employees can explore how tax rules fit into their broader retirement planning with guidance from The Retirement Group .

For personalized retirement discussions, call us at (800) 900-5867 .

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Sources:

1. Internal Revenue Service. Revenue Procedure 2024-40. 22 Oct. 2024,
https://www.irs.gov/pub/irs-drop/rp-24-40.pdf . Accessed 8 Dec. 2025.

2. Tax Policy Center. “How Do Federal Income Tax Rates Work?” Tax Policy Center Briefing Book , Jan. 2024,
https://www.taxpolicycenter.org/briefing-book/how-do-federal-income-tax-rates-work . Accessed 8 Dec. 2025.

3. Financial Industry Regulatory Authority (FINRA). “Retirement Accounts.” FINRA for Investors ,
https://www.finra.org/investors/investing/investment-accounts/retirement-accounts . Accessed 8 Dec. 2025.

4. Adams, Hayden. “Using Tax Brackets to Manage Your Taxable Income.” Charles Schwab , 12 Feb. 2025,
https://www.schwab.com/learn/story/using-tax-brackets-to-manage-your-taxable-income . Accessed 8 Dec. 2025.

5. Vanguard. “Year-End Tax-Savings Tips.” Vanguard Investor Resources & Education , 26 Aug. 2025,
https://investor.vanguard.com/investor-resources-education/article/year-end-tax-tips . Accessed 8 Dec. 2025.

What type of retirement plan does eXp World Holdings offer to its employees?

eXp World Holdings offers a 401(k) retirement savings plan to its employees.

Does eXp World Holdings provide matching contributions to the 401(k) plan?

Yes, eXp World Holdings provides a matching contribution to the 401(k) plan to help employees save for retirement.

What is the eligibility requirement to participate in the eXp World Holdings 401(k) plan?

Employees of eXp World Holdings are eligible to participate in the 401(k) plan after completing a specified period of service.

How can employees of eXp World Holdings enroll in the 401(k) plan?

Employees can enroll in the eXp World Holdings 401(k) plan through the company’s online benefits portal.

What investment options are available in the eXp World Holdings 401(k) plan?

The eXp World Holdings 401(k) plan offers a variety of investment options, including mutual funds and target-date funds.

Can employees of eXp World Holdings take loans against their 401(k) savings?

Yes, eXp World Holdings allows employees to take loans against their 401(k) savings under certain conditions.

What happens to the 401(k) plan if an employee leaves eXp World Holdings?

If an employee leaves eXp World Holdings, they can choose to roll over their 401(k) balance to another retirement account or withdraw the funds, subject to penalties and taxes.

Does eXp World Holdings allow for hardship withdrawals from the 401(k) plan?

Yes, eXp World Holdings permits hardship withdrawals from the 401(k) plan under specific circumstances.

What is the vesting schedule for the eXp World Holdings 401(k) matching contributions?

The vesting schedule for eXp World Holdings’ matching contributions typically follows a graded vesting schedule, which employees can review in the plan documents.

How often can employees of eXp World Holdings change their 401(k) contribution amounts?

Employees can change their 401(k) contribution amounts at any time, subject to the plan’s guidelines.

With the current political climate we are in it is important to keep up with current news and remain knowledgeable about your benefits.

Name of Plan: eXp World Holdings does not offer a traditional defined benefit pension plan. Instead, the company provides a 401(k) plan. Eligibility for Pension Plan: Since eXp World Holdings does not have a traditional pension plan, there are no eligibility criteria related to years of service or age for a pension plan. Pension Formula: Not applicable, as there is no pension plan offered. 401(k) Plan: Name of Plan: eXp World Holdings 401(k) Plan. Eligibility for 401(k) Plan: Employees are eligible to participate in the eXp World Holdings 401(k) Plan upon completing 30 days of service. 401(k) Plan Contributions: eXp World Holdings may offer matching contributions up to a certain percentage of the employee’s salary, though specifics can vary.

Layoffs and Restructuring: eXp World Holdings announced in early 2024 a significant restructuring plan aimed at streamlining operations and reducing overhead costs. This included a reduction in workforce in various departments to enhance operational efficiency. The decision was driven by the need to adapt to a shifting economic landscape, which has seen increased scrutiny on corporate spending and efficiency. Understanding these changes is crucial due to the current economic and investment climate that emphasizes cost management and efficiency.

eXp World Holdings provided stock options and RSUs to senior executives and other key employees. The stock options generally vested over a period of time, typically 4 years, with specific vesting schedules outlined in individual agreements. In 2023, eXp World Holdings continued to offer stock options and RSUs as part of its compensation strategy. The RSUs granted typically vested over a 3-year period, with a portion vesting each year. For 2024, eXp World Holdings maintained its approach to stock options and RSUs, including new grants to employees based on their performance and role within the company. Specific terms and vesting schedules were detailed in the company's equity incentive plan.

Check eXp World Holdings' official website for any sections related to employee benefits, health insurance, or HR resources. Look for annual reports, employee handbooks, or benefits summaries. Search for Company-Specific News: Look for recent news articles or press releases related to eXp World Holdings’ employee health benefits. Use business news sites, financial news platforms, or HR-focused publications. Explore Employee Review Sites: Review sites like Glassdoor, Indeed, and Comparably often have insights into employee benefits and company culture. Examine Industry-Specific Publications: Look into industry-specific publications or platforms that might cover trends in real estate or remote work benefits, which could provide context for eXp World Holdings. Consult HR and Benefits Focused Sites: Sites like SHRM (Society for Human Resource Management) or HR Dive might have articles or reports on trends and practices in employee benefits relevant to eXp World Holdings.

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For more information you can reach the plan administrator for eXp World Holdings at , ; or by calling them at .

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