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Title: Your 2025 Year-End Financial Planning Guide: Smart Moves Before the Calendar Turns

United States, 4th Dec 2025 - The final stretch of the year can feel like a whirlwind—holiday events, travel plans, gift shopping, school programs, all competing for space on your calendar. But before the pace picks up too much, it’s worth pausing to check in on your financial landscape. A few strategic decisions now can reduce your tax burden, boost your savings, and set the tone for a stronger financial start to 2026.1. Review the “Evergreen” EssentialsSome year-end tasks never go out of style, and December is the perfect time to knock them out.Maximize Retirement ContributionsFor 2025, Dec. 31 is your deadline to make contributions to employer-sponsored plans like a 401(k). Limits for 2025 are:$23,500 standard contribution$7,500 catch-up contribution for age 50+$11,250 enhanced catch-up for individuals aged 60–63 (new for 2025)In 2026, contribution limits rise again.IRAs and HSAs give you until April 15, 2026, to contribute for the 2025 tax year—but contributing early gives your investments more time to compound. While you’re in your account settings, consider bumping up your contribution rate or enabling automatic annual increases.Harvest Capital Gains & LossesIf you realized capital gains this year, you may be able to offset them by intentionally realizing losses in other investments. Known as tax-loss harvesting, this strategy can reduce your taxable income by up to $3,000 if losses exceed gains. Losses must be realized by Dec. 31 to count for 2025.Make Charitable Gifts Before Year-EndIf you plan to deduct charitable contributions on your 2025 return, donations must be made before the clock strikes midnight on December 31.2. Be Strategic With Your GivingCharitable giving rules are shifting in the coming years due to changes from the One Big...

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