💰 Year-End Tax Planning 2025 | Smart Moves Before December 31st
The year is almost over — and that means it’s your last chance to make powerful tax-saving moves before December 31st. In this video, I break down the best year-end tax strategies for 2025, with all the correct IRS contribution limits, updated tax brackets, and the key deadlines you need to know.
Whether you’re a W-2 earner, a small business owner, or a middle-class family trying to keep more of what you earn, these tax strategies can help you lower your taxable income and set yourself up for a stronger 2026.
We’ll walk through retirement contributions, HSAs, Roth conversions, QBI strategies, charitable giving, tax-loss harvesting, 529 plans, and more — all updated with accurate 2025 numbers.
📊 These are the same year-end tax planning steps I use with clients and inside my Middle Class Money Club to help families build smarter financial plans.
🔑 What You’ll Learn in This Video:
✔ 2025 IRS limits for 401(k), IRA, HSA, and FSA
✔ How to reduce your 2025 taxable income
✔ How to use Roth conversions strategically
✔ How tax-loss harvesting really works
✔ How to maximize QBI deductions (20% pass-through)
✔ Charitable strategies (including donor-advised funds)
✔ State tax savings using 529 college contributions
✔ Energy, EV, and home improvement tax credits
✔ Important gifting limits and end-of-year deadlines
✔ What to know about the 2025 → 2026 tax changes
✏️ Important 2025 Numbers (Easy Reference):
• 401(k) limit: $23,500 (plus $7,500 catch-up; plus $11,250 super-catch-up at age 60–63)
• IRA limit: $7,000 (or $8,000 if 50+)
• HSA: $4,300 individual / $8,550 family
• FSA: $3,300 (check carryover rules)
• Standard deduction married filing jointly: $31,500
• Gift tax exclusion: $19,000 per recipient
💬 Question for You:
What’s one tax move you’re planning to make before December 31st? Comment below 👇
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It’s time for end of year tax planning! This video covers key tax strategies to consider before the new year. We’ll explore opportunities in personal finance and financial planning to potentially lower your taxes and improve your retirement planning. Disclaimer: School of Personal Finance (“SPF”) is a Registered Investment Adviser in the State of New York. This content is for educational and informational purposes only and does not constitute personalized investment, legal, or tax advice. No investment strategy can guarantee a profit or protect against loss. SPF does not publish client testimonials or performance results of client accounts in its marketing. Please refer to our Form ADV Part 2A for a full description of our services and fees, available at www.schoolofpersonalfinance.com.
