Year-End Tax Planning: 5 Moves Before Dec 31 | Tony's Birthday Special (Nov 7, 2025)

🎂 Year-End Tax Strategies – Tony Leonardi, CFP®, celebrates his birthday by sharing 5 actionable year-end tax planning strategies. With 8 weeks left in 2025, discover moves that could save you thousands.

Video Chapters: 0:00 - Intro: Tony's Birthday & Time Left in 2025 0:45
Strategy 1: Tax Loss Harvesting 5:30
Strategy 2: Roth Conversions (with Compliance Notes) 10:30
Strategy 3: Charitable Giving Optimization 14:00
Strategy 4: Capital Gains Bracket Management 17:00
Strategy 5: Year-End Quick Hits 18:30
Conclusion & Action Items
2025 Tax Changes:
✓ Standard deduction: $31,500 (married)/$15,750 (single)
✓ Senior bonus deduction for 65+ (income limits apply)
✓ Permanent tax brackets: 10%-37%
✓ 0% capital gains: Up to $96,700 (married)/$48,350 (single)
✓ QCD limit: $108,000
✓ 401(k) limit: $23,500 ($34,750 for ages 60-63)
Real Examples:
• $40K tax loss harvest eliminated $6K capital gains tax
• Roth conversion filled 22% bracket, avoiding future 32%
• $250K donor-advised fund contribution saved $90K
• 0% capital gains harvest reset cost basis tax-free
Important Roth Conversion Notes:
• IRS aggregation rule applies to multiple IRAs
• Pro-rata rule affects mixed pre-tax/after-tax accounts
• Conversions are irrevocable
• May affect Medicare premiums (IRMAA)
• Work with CFP® and CPA for personalized modeling

Watch more at YouTube | Listen on Spotify | Apple Podcasts
Resources:
📊 Year-End Tax Planning Session: LeonardiFamilyWealthcare.com/assessment
📖 Book: A Smarter Way to Retire: 10 Steps Towards a Confident Financial Future
📱 Follow: @TonyLeonardiCFP (Instagram) | Leonardi Family Wealthcare (Facebook)

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