Your Last Chance to Save Money in 2025: 5 Ways to Lower Your Tax Bill Before the Year Ends! You…

Your Last Chance to Save Money in 2025: 5 Ways to Lower Your Tax Bill Before the Year Ends!

You still have time to cut your 2025 tax bill, but you need to act NOW! In this video, Mike Palmer, CFP® and founder of Ark Royal Wealth Management, shares 5 ways to reduce taxes – but you need to act before December 31st!

Key points covered:

Charitable Giving Changes Coming in 2026: 2025 is the last chance for a full, unrestricted tax deduction for charity.

Incentive Stock Options (ISOs) Face Higher Taxes in 2026: The BBB shifts Alternative Minimum Tax (AMT) rules, making it much more likely you’ll fall into the AMT trap next year.

529 Education Reimbursement: The BBB expanded 529 plans to cover K-12 private school tuition and professional certification costs.

Roth Conversions Become More Complicated: For those in or near retirement, a Roth conversion could unintentionally trigger a phase-out of new, enhanced senior deductions.

Home Energy Tax Credits: Many clean energy tax credits from the Inflation Reduction Act end on December 31st. A home energy audit qualifies for a $150 credit!

Don’t miss out on the chance to save money before the year ends. Whether you’re taking standard deductions or itemizing, this video explains how you can take advantage of changes coming from the Big Beautiful Bill and ways to keep more of your hard-earned money.

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🕐Timestamps
[00:00] Introduction: Why You Must Act Before December 31st
[01:07] Move #1: Charitable Giving & the New Deduction Hurdle
[02:27] Note on QCDs (Qualified Charitable Distributions)
[03:24] Move #2: Incentive Stock Options (ISOs) & the AMT Trap
[04:32] Move #3: 529 Education Reimbursement Gift
[05:35] Move #4: Roth Conversions & the New Senior Deduction Minefield
[07:14] Ark Royal Complimentary Consultation
[07:40] Move #5: Homeowners & Clean Energy Tax Credits

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✅ About Ark Royal Wealth Management.

Welcome to Ark Royal Wealth Management! We’re a Raleigh and Charlotte-based firm dedicated to helping you make smart, informed decisions about your money. Our team, founded by Mike Palmer, CFP®, in 2015, brings over 40 years of wealth management experience. We believe in being truthful, trustworthy, and transparent, values that guide everything we do.

On this channel, you’ll find expert insights on investing, financial planning, retirement strategies, and tax-saving techniques. All of our advisors are Certified Financial Planners™ who work together to provide personalized, strategic guidance. Join us on your journey toward financial clarity and confidence.

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via Ark Royal Wealth Management
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December 11, 2025 at 06:54PM

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