Bogleheads On Investing Podcast Year-end tax planning, tax moves in 2026, Roth conversions & more: Cody Garrett, CFP® & Sean Mullaney, CPA; Jon Luskin, CFP® hosts
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Dec 7, 2025 
Cody Garrett, a Certified Financial Planner specializing in tax-aware retirement strategies, and Sean Mullaney, a Certified Public Accountant with a focus on tax planning, share invaluable insights. They discuss key year-end tax planning strategies, including the upcoming 2026 tax changes and Roth conversions. They highlight the importance of understanding effective tax rates versus marginal rates. The duo critiques fear-based marketing in tax planning and offers practical advice on asset location, emphasizing simplicity before optimization in tax strategies.
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Time Charitable Gifts For 2025 Benefits
- If you plan to give to charity anyway, donate appreciated securities or use a donor-advised fund to maximize tax benefits this year.
- Check institutional deadlines and consider cash gifts if transfers between institutions are slow.
Use New 65+ Deduction And Watch 2026 Rules
- If you're 65+ in retirement, evaluate the new senior deduction and consider delaying Social Security to manage taxable income.
- High earners should note Secure 2.0 catch-up changes in 2026 and plan 401(k)/HSA contributions accordingly.
Lower MAGI To Protect ACA Credits
- In 2026, reduce modified adjusted gross income where possible to preserve premium tax credits and ACA eligibility.
- Use HSA contributions (bronze plans become HSA-eligible) and Roth/HSAs strategically to manage MAGI.