Key Strategies to Reduce Your Tax Liability in 2025

Tax planning isn’t just a year-end consideration—it’s an ongoing process requiring strategic
thinking and timely action. By planning early, you can take advantage of opportunities to lower
your tax bill and set yourself up for long-term success.
With 2025 bringing potential tax changes under the new administration, including adjustments to
tax brackets, deductions, and credits, staying proactive with Vertis Wealth will help you navigate
these changes and make informed decisions.

1. Maximize Contributions to Tax-Advantaged Accounts

Contributing to tax-deferred accounts like 401(k)s or IRAs remains a cornerstone strategy.
Contribution limits are expected to increase slightly due to inflation adjustments. Taking full
advantage of these accounts early in the year ensures you’re on track to lower your taxable
income and grow your retirement savings. Vertis Wealth can help you maximize these
contributions for optimal impact.

2. Leverage Tax-Loss Harvesting

If your portfolio includes underperforming investments, consider selling them to offset capital
gains elsewhere. Tax-loss harvesting can reduce your taxable income and allow you to carry
forward unused losses to future years. Vertis Wealth ensures this strategy aligns with your
long-term investment goals and overall financial plan.

3. Optimize Charitable Contributions

Charitable giving remains a powerful way to reduce taxes. In 2025, potential changes to
deduction limits may impact charitable donations. Donating appreciated assets like stocks can
help you avoid capital gains taxes while supporting causes you care about. Vertis Wealth can
guide you in structuring your charitable giving for maximum benefit.

4. Consider Income Timing

Deferring income, such as bonuses or business earnings, can be advantageous if you expect to
be in a lower tax bracket next year. Potential changes to tax rates or brackets in 2025 may affect
this strategy. Vertis Wealth specializes in helping clients evaluate and implement income timing
strategies tailored to their unique situations.

5. Take Advantage of Deductions and Credits

Review available deductions and credits, particularly those tied to energy-efficient home
improvements or health savings accounts. With potential tax policy changes in 2025, these
benefits may expand or adjust. Vertis Wealth helps identify and apply every available deduction
and credit to reduce your tax liability.

6. Maximize Health Savings Account (HSA) Contributions

For those with high-deductible health plans, HSAs remain a tax-efficient way to save for medical
expenses. Contributions are tax-deductible, and withdrawals for qualified expenses are tax-free.
Maximizing contributions ensures you make the most of this triple tax advantage. Vertis Wealth
ensures you’re leveraging HSAs effectively to reduce your tax liability.
Navigating Changes Under the New Administration
With potential tax law changes in 2025, including adjustments to tax brackets, capital gains
rates, or estate tax exemptions, staying ahead of the curve is crucial. Proactive tax planning
with Vertis Wealth ensures you’re prepared for any shifts and can adapt your strategy
accordingly.

Take Action Today

Now is the time to take control of your tax strategy and capitalize on available opportunities. At
Vertis Wealth, we are here to help you navigate every decision with precision and insight. Let’s
reduce your tax liability today and build a legacy for tomorrow.