Episode 89, Year-end tax planning, tax moves in 2026, Roth conversions & more: Cody Garrett, CFP® & Sean Mullaney, CPA; Jon Luskin, CFP® hosts

The podcast episode centers on tax planning strategies for 2025 and 2026, particularly regarding charitable donations, retirement, and healthcare. Listeners are advised to consider making charitable donations, especially of appreciated securities, to a donor-advised fund before tax law changes in 2026. For retirees, delaying Social Security and managing income are highlighted as key strategies, especially with the new senior deduction. The discussion also covers the importance of understanding the federal income tax formula and the difference between marginal and effective tax rates, cautioning against fear-based tax planning advice. The speakers address the "widow tax trap," emphasizing the need to prioritize current quality of life over future tax optimization and to consider tools like qualified charitable distributions and asset location.