Preview — 2025 Year-End Tax Playbook

Cover of 2025 Year-End Playbook

When high earners wait until March to “deal with taxes,” they miss the moves that only work before December 31. That’s why I built the 2025 Year-End Tax Playbook, a concise, actionable guide with 12 smart moves you can use now to legally reduce your federal tax bill if you’re a W-2 high earner or a Florida business owner.

What’s inside (and how to use it)

You’ll get: the 12 moves, quick-reference limits for 2025, a one-page checklist, and the exact documentation to keep. Start by skimming the checklist, marking what applies to you, and then book a 15-minute discovery call if you want the plan tailored to your numbers.

A few standout plays

• Max retirement savings, lower AGI: Increasing 401(k)/403(b)/457 deferrals reduces AGI (and may reduce exposure to the 3.8% NIIT).

• Backdoor/Mega Backdoor Roth: Use nondeductible IRA + Roth conversion (mind the pro-rata rule), and if your plan allows, consider after-tax 401(k) contributions with in-plan Roth or in-service rollovers.

• HSA “triple play”: Contribute (pre-tax/above-the-line), grow, and withdraw tax-free for qualified medical expenses—often worth investing for the long term.

• Harvest losses & rebalance: Offset gains (and up to $3,000 ordinary income) while keeping market exposure—avoid wash sales.

Your 2025 quick-reference numbers

A handy page in the playbook lists key limits, like 401(k) deferrals, overall additions, IRA and HSA caps, standard deduction, QBI phase-outs, and the NIIT thresholds, so you can act with confidence.

One-page checklist (so you actually do this)

The last pages boil the plan down into a punch-list, retirement contributions, conversions, HSA, loss harvesting, charitable moves, S-Corp items, QBI, Augusta Rule, and year-end withholding/estimate clean-up, plus a “what to keep” list for audit-ready documentation.

Ready to personalize it?

If you want this tailored to your exact income, benefits, and entity setup, book a 15-minute discovery call and we’ll turn the playbook into your plan.

This playbook is educational, not individualized tax, legal, or investment advice. See the important disclosures inside.