Year-End Tax Planning

Turning The Page On 2026

Tax planning strategies to consider before year-end

The One Big Beautiful Bill Act locked in lower brackets and a larger standard deduction—and changed how deductions, charity, catch-up contributions, and gifting work in 2026. Several of those moves can only be applied to the 2026 tax year if they are finished by December 31.

Download the Annex year-end guide for the 2026 limits, the new rules that may impact your return, and a checklist you can work through with your advisor.

  • 2026 deduction rules, SALT cap relief, and new "senior deductions"
  • Charity strategies: cash, appreciated stock, QCDs, and gift bunching
  • Roth catch-up rules, conversions, and December 31 RMD deadlines
  • Actionable year-end yes/no review checklist to catch potential misses

Get the Year-End Guide

Fill out the form below to receive immediate access to the guide and advisor checklist.

Hard Deadline Key deduction, catch-up, and gifting moves must be finalized by December 31, 2026.

Key Year-End Planning Areas Covered Inside

A concise breakdown of the critical 2026 rule changes and tax deadlines to review before the calendar turns.

What Actually Changed for 2026

The new deduction rules, State and Local Taxes (SALT) cap, and "senior deduction," broken down so you can apply them to your own tax return.

Giving with Tax Strategy

When a check works, when appreciated stock or a Qualified Charitable Distribution (QCD) is suitable, and why bunching gifts into one year can provide greater advantages.

Retirement Moves Before Dec 31

Contribution limits, the new Roth catch-up rule for higher earners, Roth conversions, and Required Minimum Distributions (RMDs) including inherited IRAs.

Kids, Heirs & Family Gifting

529 Plan superfunding, the new Section 530A accounts, and taking full advantage of the $19,000 annual gift tax exclusion before year-end.

Diagnostic Planning Tool

The Year-End Yes/No Checklist

Questions designed to catch potential missed opportunities before the tax year closes: tax losses to harvest, windfall planning, Flexible Savings Account (FSA) leftovers, and gifts you intended to make.

Get The Full Checklist
Capital gains to offset with harvestable losses?
Yes No
Subject to Roth catch-up rules (over $145k)?
Yes No
Unspent Flexible Spending Account (FSA) balances?
Yes No
Remaining 2026 annual gift exclusions ($19k)?
Yes No

Who Should Download "Turning The Page On 2026"

This guide and checklist are specifically tailored for individuals and families reviewing their year-end financial position:

Households coordinating year-end charity, retirement funding, or family gifts
Anyone age 70½+ with IRA assets
Parents and grandparents looking at 529s or new 530A accounts
Business owners and high earners watching brackets, IRMAA, NIIT, and new itemized-deduction limits
Download Turning The Page On 2026

Educational Disclosure: Annex Wealth Management does not provide tax or legal advice. This material is for informational purposes only and should not be construed as individualized advice. Please consult your own tax advisor and/or attorney before implementing any strategy discussed herein.