Description

Join Tony Leonardi, CFP® from Newtown, Connecticut, for a birthday special recorded November 7, 2025.

With eight weeks left in 2025, discover actionable year-end tax strategies that could save you thousands.

What You'll Learn:

-How the One Big Beautiful Bill changed 2025 taxes ($31,500 standard deduction, senior bonus deductions)

-Tax loss harvesting to offset gains (including wash sale rule workarounds)

-Roth conversion sweet spots in November (with critical compliance notes on aggregation and pro-rata rules)

-Charitable giving optimization (QCDs up to $108K, bunching, donor-advised funds)

-Capital gains bracket management to harvest gains at 0% rate

-Quick year-end moves (401k, HSA, withholding, FSA)

Current 2025 Tax Context:

• Standard deduction: $31,500 (married)/$15,750 (single)

• Senior bonus deduction available for 65+ with income limits
• 0% capital gains up to $96,700 (married)/$48,350 (single)
• QCD limit: $108,000
• 401(k) contribution: $23,500 ($34,750 for ages 60-63)

Key Strategies

• Tax loss harvesting with real $40K gain offset example
• Roth conversion bracket management (22% vs 32% example)
• Donor-advised fund strategy that saved $90,000
• 0% capital gains harvesting to reset cost basis

Listen on Spotify, Apple Podcasts, or YouTube.

Visit LeonardiFamilyWealthcare.com for year-end tax planning sessions, ordownload the 2025 Retirement Reset Checklist with Probability of Success Meter.