Perspectives: Navigating Tax Changes and Opportunities Before Year-End
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Show Notes
In this Perspectives episode of Money & Meaning, host Jeff Bernier explores key year-end tax planning strategies shaped by recent legislation. He breaks down thresholds, deductions, and opportunities to optimize charitable giving—particularly through donor-advised funds and gifting appreciated securities. Jeff also covers how Roth conversions and qualified charitable distributions can be integrated into a comprehensive strategy aligned with both financial goals and personal values.
Topics covered:
- Overview of the “One Big Beautiful Bill Act” and its impact on taxpayers
- Importance of year-end tax planning under new legislation
- Higher standard deduction and changes to itemized deductions
- Adjusted income thresholds that affect Medicare premiums and deductions
- Expansion and phase-out of SALT (State and Local Tax) deductions
- Charitable gifting strategies using appreciated securities
- Tax benefits of donor-advised funds for bunching donations
- Qualified charitable distributions (QCDs) from IRAs for those over 73
- Using Roth conversions in coordination with deduction strategies
- Practical next steps for assessing your 2025 tax picture
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Disclosures: This podcast is for informational purposes only and should not be considered tax or legal advice. Please consult your tax advisor for personalized guidance.