Month: August 2025
2025 Tax Law Updates and Strategic Planning (Ep. 140)

2025 Tax Law Updates and Strategic Planning (Ep. 140)

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From new tax rules to little-known retirement plan strategies, 2025 is shaping up to be a year of significant changes for many taxpayers.

In this episode, Peter Raskin unpacks timely provisions from the “One Big Beautiful Bill Act,” explains a tax-saving approach for employer stock, and addresses the impact of Massachusetts’ Millionaires’ Tax. With practical examples and forward-thinking strategies, he shares how clients are adapting their financial plans to take advantage of new opportunities and avoid costly surprises.

Peter discusses:

  • The key provisions of the 2025 “One Big Beautiful Bill Act,” including unchanged tax brackets, higher standard deductions, and an increased SALT cap through 2029
  • The temporary bonus deduction for older taxpayers with incomes under certain thresholds, and how it phases out after 2028
  • The Net Unrealized Appreciation (NUA) distribution strategy for employer stock in retirement plans, highlighting tax advantages and planning considerations
  • The Massachusetts “Millionaire’s Tax,” its impact on high-income earners, and potential strategies like timing transactions or changing residency
  • Ways to reduce taxable income in high-earning years, including charitable contributions, realizing investment losses, and exploring specific tax-efficient investments
  • And more!

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Schedule a Time with Peter Raskin:

This is not intended to be a substitute for professional investment advice. Always seek the advice of your financial adviser or other qualified financial service providers with any questions you may have regarding your investment planning.

Securities and investment advisory services offered through Osaic Wealth, Inc., member FINRA/SIPC. Osaic Wealth is separately owned, and other entities and/or marketing names, products, or services referenced here are independent of Osaic Wealth.

Osaic Wealth, Inc. and its representatives do not offer tax or legal advice. Individuals should consult their tax or legal professionals regarding their specific circumstances.

FEATURE
Taxes Aren’t Everything: Prioritizing Your Financial Objectives (Ep. 139)

Taxes Aren’t Everything: Prioritizing Your Financial Objectives (Ep. 139)

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Taxes may be inevitable, but how you approach them can make a meaningful difference in your long-term financial path.

In this episode, Peter Raskin unpacks the recently signed “One Big Beautiful Bill” and what it means for families and individuals. More importantly, he breaks down how to think about taxes not in isolation, but in the broader context of your goals, values, and peace of mind for your family’s future.

Key Points Covered:

  • The newly passed “One Big Beautiful Bill” and why tax rates staying the same may not be the full story
  • How deferring taxes isn’t always the wisest long-term move and may end up benefiting the IRS more than your family
  • Real client stories around estate taxes, complexity, and prioritizing simplicity over tax savings
  • Strategies like Roth conversions, asset sales, and rebalancing with a focus on goals and risk tolerance
  • How to evaluate whether complex tax-saving strategies like 1031 exchanges or charitable remainder trusts are worth the effort
  • And more!

Resources:

Connect with Peter Raskin: 

Schedule a Time with Peter Raskin:

This is not intended to be a substitute for professional investment advice. Always seek the advice of your financial adviser or other qualified financial service providers with any questions you may have regarding your investment planning.

Securities and investment advisory services offered through Osaic Wealth, Inc., member FINRA/SIPC. Osaic Wealth is separately owned, and other entities and/or marketing names, products, or services referenced here are independent of Osaic Wealth.

Osaic Wealth, Inc. and its representatives do not offer tax or legal advice. Individuals should consult their tax or legal professionals regarding their specific circumstances.