If Your CPA Was Not Proactive on Your Tax Return, Who Pays?  You Do

A lot of tax advice sounds smart until you run the numbers on a real return. Andy welcomes Abby Rose, CPA, CFP® and Director of Tax at Keeler and Nadler, to translate the biggest 2025 tax changes into practical moves.This isn't pie in the sky advice either; this is clear, actionable expertise to protect your family, your nest egg and to stop overpaying the IRS.We dig into what it means to permanently extend the 2017 tax rates, and why the jump in the SALT cap from $10,000 to $40,000 can bring itemized deductions back to life.  Abby explains deduction lumping (also called deduction bunching) with clear examples: shifting property tax payments and charitable giving into the right year can create a bigger itemized deduction, then you can switch back to the standard deduction the following year. We also talk donor advised funds and why they can be a powerful strategy in a high-income year.Next, we unpack the new and easily misunderstood rules around charitable deductions in 2026.  Then, we clarify common confusion around “no tax on tips” and “no tax on overtime".   Plus, what happens with the estate tax exemption now near $15 million per person?   The big theme is this: proactive planning before year end beats discovering missed opportunities after your CPA files.Subscribe for more clear financial conversations, share this with a friend who hates surprises at tax time, and leave a tax question you want us to tackle next.The opinions expressed in this program are for general informational purposes only and are not intended to provide specific advice or recommendations.It is only intended to provide education about finance, tax, retirement and related planning topics. To determine which investments or strategies may be appropriate for you, consult your financial, tax or legal advisor prior to implementing. 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.Keeler & Nadler Family Wealth is a registered investment adviser. Advisory services are only offered to clients or prospective clients where Keeler & Nadler Family Wealth and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Keeler & Nadler Family Wealth unless a client service agreement is in place.