The Long Term Investor

Year-End Tax Planning After the OBBBA (EP.224)

Oct 1, 2025
Guest
Susan Jones
In this insightful discussion, tax expert Susan Jones from Plancorp dives into year-end tax strategies shaped by the One Big Beautiful Bill Act (OBBBA). She demystifies shifts in charitable deductions and tax implications for high earners, including the new 2% AGI floor. Jones also emphasizes the importance of timing for pre-retirees and business owners in managing income spikes and leveraging benefits like the QBI and bonus depreciation. If you're navigating complex tax waters, her expert insights could be invaluable!
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ANECDOTE

Missouri's Surprise Capital-Gain Exemption

  • Missouri retroactively exempted capital gains from state taxable income starting Jan 1, 2025.
  • Susan flagged this as a surprisingly big but underpublicized state change for sellers.
ADVICE

Confirm RSU Withholding And Top Up If Needed

  • Check RSU withholding rates and pay estimated taxes if employer withholding is too low.
  • Avoid year-end surprises by topping up withholding if your marginal rate exceeds 22%.
ADVICE

Actively Manage Employer Stock Concentration

  • Address concentrated employer-stock risk by selling, gifting appreciated shares, or hedging.
  • Align tax moves with non-tax goals and accept the tax cost you can afford.
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