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Retired? Here are 3 smart money moves to make before year-end.
Is it really almost 2026?? The holidays move fast, but you still have time to put a few high-impact strategies in place before the ball drops. 1. Take your RMD and make your charitable gifts the tax-smart way (QCDs!) If you’re planning year-end donations, consider a Qualified Charitable Distribution (QCD) straight from your IRA. •You need to be 70½ or older to make one •The transfer goes directly to a qualified charity •It’s excluded from taxable income •And if you’re 73+, it counts toward your RMD that you need to take anyway A great way to support causes you love while reducing your tax bill. 2. Spoil the grandkids and shift wealth tax-free You can gift up to $19,000 per person (or $38,000 if you’re married) to each child or grandchild in 2025. Cash is great… but also consider gifting appreciated stock. They may pay 0% capital gains, and you get assets out of your estate tax-free. Win–win. 3. Rebalance and harvest gains After another strong market year, your portfolio may be overweight in stocks, especially international positions. Now is a good time to: •Harvest gains if appropriate •Rebalance back to your target allocation Just remember: harvesting gains can trigger taxes so be intentional. As always, talk with your financial planner to make sure these moves fit your overall plan. Enjoy the holidays! Osaic Wealth and its representatives do not provide tax or legal advice; therefore it is important to coordinate with your tax or legal advisor regarding your specific situation; individual circumstances will vary. #RetirementPlanning #YearEndPlanning #TaxPlanning #WealthManagement #FinancialWellness #FinancialAdvice #RetirementIncome #IRAPlanning #RMD #CharitableGiving #EstatePlanning #HighNetWorth #SmartMoneyMoves #GenerationalWealth #LegacyPlanning
Thinking about selling a business? The amount you can bank on might surprise you.
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Thinking about selling a business? The amount you can bank on might surprise you.
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