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Welcome to Savvy Up, your go-to for simplified financial insights. In today’s episode, we’re covering key year-end strategies for a financially sound future. Let’s dive in!

Segment 1: Gifting for the Holidays – Smart Down Payments

As the holidays approach, clients consider unique gifts like down payments. We explore tax implications, and the importance of understanding exclusion amounts for seamless gifting.

Segment 2: Charitable Donations – Impactful Giving

Year-end is prime time for charitable donations. Learn about tax advantages and the importance of documentation. Maximize the impact of your contributions while optimizing your tax position.

Segment 3: RMD’s – Navigating Distributions

Required Minimum Distributions (RMDs) are crucial for retirees. Get insights into managing them effectively, avoiding penalties, and ensuring a smooth retirement transition.

Segment 4: Salary Deferrals – Maximizing 401(k)s

Maximize salary deferrals, especially in 401(k) contributions. Discover the benefits, from tax advantages to employer matches. Consistent saving now leads to significant long-term benefits.

Segment 5: Year-End Financial Optimization – Tax Strategies

Optimize year-end finances with strategies like proper tax withholding and tax loss harvesting. Avoid surprises and minimize tax liabilities for a smart financial wrap-up.


Thanks for tuning in to Savvy Up. If you found this episode helpful, subscribe, rate, and leave a review. Stay financially savvy, and catch you in the next episode!

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The opinions expressed in this program are for general informational purposes only and are not intended to provide specific advice or recommendations for any individual or on any specific security. It is only intended to provide education about the financial industry. To determine which investments may be appropriate for you, consult your financial advisor prior to investing. Any past performance discussed during this program is no guarantee of future results. Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital; please seek advice from a licensed professional.