{"id":1278,"date":"2025-10-24T07:34:03","date_gmt":"2025-10-24T11:34:03","guid":{"rendered":"https:\/\/dinergywealth.com\/blog\/?p=1278"},"modified":"2025-10-24T07:34:03","modified_gmt":"2025-10-24T11:34:03","slug":"lets-talk-now-so-you-can-enjoy-the-holidays-year-end-tax-planning","status":"publish","type":"post","link":"https:\/\/dinergywealth.com\/blog\/lets-talk-now-so-you-can-enjoy-the-holidays-year-end-tax-planning\/","title":{"rendered":"Let\u2019s Talk Now So You Can Enjoy the Holidays: Year-End Tax Planning"},"content":{"rendered":"

I know what you\u2019re thinking.\u00a0 \u201cTax planning? Joe, it\u2019s not even Thanksgiving yet.\u00a0 It isn’t even November yet!!\u201d<\/p>\n

But here\u2019s the deal: by the time you\u2019re carving the turkey and trying to remember which grandkid hates mashed potatoes, it\u2019s too late<\/em>\u00a0to make the smart moves that can really impact your tax bill.<\/p>\n

The last few weeks of the year are chaotic. Between holiday shopping, family travel, and a cookie tray at every turn, nobody\u2019s in the mood to talk about 1099s or charitable deductions. That\u2019s why I like to get ahead of it. If we sit down now, we can make sure you enter the holidays confident that your financial year is buttoned up tighter than Santa\u2019s belt.<\/p>\n

So what does that actually mean? A few things:<\/p>\n

    \n
  1. Review your gains and losses.<\/strong>
    \nIf you sold investments this year, you might have realized gains. Offsetting those with smartly timed losses \u2014 called tax-loss harvesting \u2014 can help reduce what you owe. But this only works\u00a0before<\/em>December 31st, not while you\u2019re watching the ball drop.<\/li>\n
  2. Max out your retirement contributions.<\/strong>
    \nYour 401(k), IRA, or HSA might have room left. That\u2019s real money that can lower your taxable income \u2014 but the window closes with the year. Another option is to look at converting your Traditional IRA to a Roth IRA.<\/li>\n
  3. Consider charitable giving.<\/strong>
    \nIf giving back is part of your plan, let\u2019s make sure it\u2019s done in the most tax-efficient way possible. Donating appreciated stock, for example, can give you double the benefit.<\/li>\n
  4. Review your withholdings and estimated payments.<\/strong>
    \nNobody likes a surprise tax bill in April. A quick check now can keep that from happening.<\/li>\n<\/ol>\n

    Here\u2019s the bottom line: if we take care of this stuff today, you won\u2019t have to think about it while wrapping gifts or arguing about whether \u201cDie Hard\u201d counts as a Christmas movie (it does, by the way).<\/p>\n

    Let\u2019s talk now \u2014 so when the holidays hit, you can focus on what really matters: family, friends, and maybe just one more cookie.<\/p>\n

    Please contact us through the contact page HERE<\/a>, directly to Joe Lind at jlind@dinergywealth.com<\/a> or call Joe at 513-878-0195. Remember, we focus on growth – done RESPONSIBLY.<\/p>\n

    \"\"<\/p>\n","protected":false},"excerpt":{"rendered":"

    I know what you\u2019re thinking.\u00a0 \u201cTax planning? Joe, it\u2019s not even Thanksgiving yet.\u00a0 It isn’t even November yet!!\u201d But here\u2019s the deal: by the time you\u2019re carving the turkey and trying to remember which grandkid hates mashed potatoes, it\u2019s too late\u00a0to make the smart moves that can really impact your tax bill. The last few […]<\/p>\n","protected":false},"author":3,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","_oasis_is_in_workflow":0,"_oasis_original":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[12],"tags":[],"class_list":["post-1278","post","type-post","status-publish","format-standard","hentry","category-financial-preparedness"],"yoast_head":"\nLet\u2019s Talk Now So You Can Enjoy the Holidays: Year-End Tax Planning - DinergyWealth Blog<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/dinergywealth.com\/blog\/lets-talk-now-so-you-can-enjoy-the-holidays-year-end-tax-planning\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Let\u2019s Talk Now So You Can Enjoy the Holidays: Year-End Tax Planning - DinergyWealth Blog\" \/>\n<meta property=\"og:description\" content=\"I know what you\u2019re thinking.\u00a0 \u201cTax planning? Joe, it\u2019s not even Thanksgiving yet.\u00a0 It isn’t even November yet!!\u201d But here\u2019s the deal: by the time you\u2019re carving the turkey and trying to remember which grandkid hates mashed potatoes, it\u2019s too late\u00a0to make the smart moves that can really impact your tax bill. 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