Tag: Retirement Tax Planning
5 Year-End Tax Planning Moves to Review Before 2027

5 Year-End Tax Planning Moves to Review Before 2027

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Year-end tax planning can affect decisions you’ve already made about retirement accounts, investments, major purchases, and charitable giving. What should you review before December closes the door on another tax year?

In this episode, Dennis O’Keefe explains five tax planning areas worth reviewing before 2027. He covers 401(k) contributions and employer matches, IRA and spousal IRA considerations, capital gains in taxable accounts, planning retirement account distributions across tax years, and charitable giving from an IRA. Dennis also shares client examples that show why timing matters and why investment decisions shouldn’t be driven by taxes alone.

Key points:

  • How maxing out a 401(k) too early in the year could affect the employer match available on later paychecks
  • When a traditional IRA contribution may be nondeductible and why a spousal IRA deserves a closer look
  • How reviewing realized capital gains before year-end can provide more information before selling investments
  • Why planning a large 2027 retirement account withdrawal in 2026 may provide more flexibility across tax years
  • How qualified charitable distributions can change the tax treatment of charitable giving for eligible IRA owners
  • And more!

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