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

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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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