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



Useful Links:

 Jeff Bernier on LinkedIn
 TandemGrowth Financial Advisors

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.

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