Year-End Tax Planning & Tax-Smart Retirement Withdrawal Strategies

Retire Smarter with Kevin Kroskey, CFP® & Tyler Emrick, CFA® CFP®

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It will soon be that time of year again … the fourth quarter. Before you get swept up in the holiday season, it’s the perfect time to take stock. Have you accomplished the financial goals you set for yourself this year? If not, there’s still time to act.

In this episode, Tyler Emrick, CFA®, CFP®, walks you through True Wealth Design’s year-end tax and investment review process — our end of the year tax focused meeting to help families stay on track. You’ll hear what we look for in these meetings, the common year-end items you should be reviewing, and the key decisions that can save you money on taxes. We’ll also highlight why it’s just as important to look ahead — from contribution limits and healthcare enrollment to income targets for the coming year — so you’re prepared for 2026 and beyond.

Here’s some of what we discuss in this episode:

📑 Filing vs. planning – April files the return; December sets the strategy.

💰 Max out contributions – 401(k), HSA, IRA, and catch-up opportunities.

🎁 Charitable giving – Donor-advised funds and bunching strategies can cut your tax bill.

🏥 Healthcare choices – Open enrollment decisions can save thousands.

🧾 Legislative updates – New senior deduction and higher SALT cap change the math in 2025.

Have questions?

Need help making sure your investments and retirement plan are on track? Click to schedule a free 20-minute call with one of True Wealth's CFP® Professionals.

http://bit.ly/calltruewealth

Watch the show now on YouTube: https://www.youtube.com/channel/UCjENBHOti-IEJFqeydZm_Fg?sub_confirmation=1