Year-end tax planning tips to help maximize 你r tax return
Take advantage of end of year tax strategies that may help put money back in 你r pocket.
Consider year-end financial moves that may help reduce 你r income tax liability when 你 file next spring. 从这些税务规划技巧开始:
Donate to qualified charities and organizations
You can generally deduct contributions of up to 50% of 你r adjusted gross income to qualified charities and organizations if they're made before December 31. 考虑以下几点:
- 捐赠的股票 – You can generally deduct the fair market value of donated stock.
- 利用社区基金会 – You direct the money, and the foundation pays it out over a period of years. You can generally deduct the donation the year 你 paid the foundation.
为你的401k存钱
把税前的钱加入你的401k计划 before the end of the year to reduce 你r taxable income.
卖出亏损股票
卖出亏损股票 before year's end to deduct the capital losses against any capital gains 你 realized, and reduce 你r taxes on the money 你 earned from successful stock. 一旦你抵消了资本收益, 你, 作为个人, can generally use any excess losses to reduce ordinary income up to an annual limit of $3,000.
关注长期资本收益
Assets that 你 hold longer than a year before selling is a long-term capital gain. While short-term capital gains are taxed like 你r regular income, long-term capital gains are taxed based on graduated thresholds for taxable income. Tax payers that report long-term capital gains see tax rates of 15% or lower. Use the time now to evaluate 你r financial portfolio and shift more funds to investments that offer longer-term tax savings. 参观 国税局 for additional information on capital gains and losses.
教育基金
为家庭成员提供 教育的礼物. 考虑对…的贡献 529年计划 as many states allow residents a deduction for contributions.
花掉你的FSA
You may have money left in 你r Flex Spending Account (FSA). Consider using these funds by getting caught up on 你r doctor's visits, getting a cleaning at the dentist or a new pair of eyeglasses. 根据FSA结转规则, up to $610 can be carried over at the end of the year to 你r 2023 FSA account. 如果你 不要用它，你可能会失去它. Keep in mind, 你’ll pay taxes on any funds still in the account on December 31st.
Gather receipts related to property taxes or large purchases
如果你 pay property taxes on 你r home, state taxes or paid sales tax for a large purchase, 你 can 最多扣除1万美元 (如果已婚并分开申请，需支付5,000美元).
今天就开始你的年终税务计划吧. Consult a tax professional if 你 have any questions and to help make the most of 你r tax filing.
