Personal Tax Strategy Planner
PROGenerate personalized year-end tax optimization strategies analyzing income, investments, retirement accounts, and deductions to maximize savings before December 31st.
Example Usage
I’m a 52-year-old tech employee with $220K salary, $80K in RSU vesting this year, and $45K in unrealized losses in my brokerage account. I have $800K in my 401(k) and $200K in a Traditional IRA. I donate about $15K/year to charity. What tax optimization strategies should I implement before year-end?
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Suggested Customization
| Description | Default | Your Value |
|---|---|---|
| Tax filing status (single, married_filing_jointly, married_filing_separately, head_of_household) | married_filing_jointly | |
| Projected total income from all sources | $150,000 | |
| Current taxable brokerage account value | $500,000 | |
| Typical annual charitable donations | $10,000 | |
| Estimated federal marginal tax rate (10%-37%) | 24% | |
| Current age (affects catch-up limits, RMD timing, QCD eligibility) | 45 |
Research Sources
This skill was built using research from these authoritative sources:
- Duane Morris 2025 Year-End Tax Planning Guide Comprehensive guide covering new deductions and SECURE Act updates
- Fidelity IRA & 401(k) Contribution Limits 2025-2026 Official retirement account contribution limits
- First Citizens Top 10 Year-End Tax Planning Tips High-earner tax strategies from wealth management experts
- Charles Schwab Tax-Loss Harvesting Guide Mechanics of tax-loss harvesting and wash-sale rules
- Brighton Jones Year-End Tax Planning Strategies DAF strategies, charitable bunching, and energy credits
- Eisner Amper Year-End Planning Tips Decision matrix approach to tax planning
- The Signatry Charitable Bunching Explained Detailed mechanics and examples of charitable bunching
- IRS Publication 590-A: IRA Contributions Official IRS guidance on retirement account contributions