The Year-End Playbook: 5 Moves to Lock In a Tax-Smart 2025

In this year-end episode of Navigating Abundant Retirement, Carol Dewey breaks down five essential financial moves to make before December 31st. These simple but strategic actions can help you reduce taxes, improve income planning, and set up a stronger financial foundation for 2026.

🔑 Short Key Takeaways1. Confirm Your RMDs & Use QCDs

Avoid the 25% penalty and use charitable giving to reduce taxable income.

2. Make Strategic Roth Conversions

Convert just enough to stay in your current tax bracket while rates are still low.

3. Harvest Losses (and Gains)

Use losses to offset gains — or lock in gains at favorable rates.

4. Use Charitable Bunching

Combine multiple years of giving to maximize deductions; consider a Donor-Advised Fund.

5. Review Withholding & Estimated Taxes

Prevent penalties and ensure your withholding reflects this year’s income changes.

Bonus: Update Estate & Legal Documents

Make sure beneficiaries, POAs, and trust documents reflect your current wishes.

🧭 Final Thoughts

These year-end moves help you keep more of what you earn, increase tax efficiency, and align your financial decisions with long-term goals. Schedule a 21-Point Wealth Assessment if you want personalized guidance.

🔗 Resources & Links

📘 Free Download: 8 Key Drivers of Company Value

📅 Book your Complimentary Lifestyle & Legacy Assessment

💬 Website: www.perpetualwealthfinancial.com

💬 LinkedIn: Carol Dewey

🎧 Listen & Subscribe: Available on Apple Podcasts, Spotify, and YouTube.