Year-End Tax Planning: The Clock Is Ticking — Take Action Now!
- Sophia Yu
- Oct 28
- 3 min read
As the year winds down, many business owners and real estate investors are focused on wrapping up projects, managing cash flow, and preparing for the holidays. But there’s one crucial thing you can’t afford to overlook — year-end tax planning.
Because once December 31 passes, most of your best tax-saving opportunities for 2025 will disappear.
The good news? With a few strategic moves now, you can still lock in significant savings before the clock runs out.
Why Year-End Tax Planning Matters
Tax planning isn’t just about compliance — it’s about positioning your income, expenses, and investments to legally minimize what you owe and maximize what you keep.
For business owners, this can mean optimizing your entity structure, payroll, and deductions.
For real estate investors, it can mean timing repairs, depreciation, and purchases to get the biggest write-offs possible.
A well-timed decision can:
Lower your current-year tax bill
Improve cash flow going into next year
Free up capital for new investments or business growth
Smart Moves to Make Before Year-End
Here are some key areas to review before December 31st — whether you run a business, invest in real estate, or both.
1. Review Income and Expense Timing
If you expect to be in a lower tax bracket next year, consider delaying income (such as invoicing, rent collection, or closing dates) until January. If you expect higher future income, accelerate income to take advantage of this year’s lower rates. Similarly, prepay business or rental expenses now to bring those deductions into the current year.
2. Maximize Retirement Contributions
If you’re self-employed, make sure you’re taking advantage of plans like the Solo 401(k) or SEP IRA — both can significantly reduce your taxable income.
And with the Roth options now available, there’s more flexibility than ever to blend current deductions with long-term, tax-free growth.
3. Evaluate Your Entity Structure
Still operating as a sole proprietor, single-member LLC, or holding your rentals personally?
You may be missing out on valuable tax strategies available through S Corporation elections, management entities, or LLC restructuring.
The right setup can help you:
Save on self-employment taxes
Optimize passive vs. active income
Add liability protection while reducing taxes
4. Take Advantage of Real Estate Deductions
If you own rental or investment property, now is the time to:
Review depreciation schedules
Consider cost segregation studies to accelerate write-offs
Complete repairs or improvements before year-end
Review passive loss limitations to ensure full utilization
The combination of depreciation, interest deductions, and strategic expense timing can make a huge difference in your tax liability.
5. Consider Equipment, Vehicle, or Property Purchases
The bonus depreciation phase-out continues to reduce available deductions each year.
If you’re planning to purchase vehicles, equipment, or even new rental assets, doing so before December 31 can lock in higher depreciation and Section 179 deductions.
6. Review Capital Gains and Losses
Selling property or investments this year?
Consider harvesting losses to offset gains, or 1031 exchanging appreciated assets into new properties to defer taxes entirely.
These strategies require action before year-end, so don’t wait until filing season.
7. Don’t Forget Personal Tax Moves
Before December 31, review your personal tax picture, too:
Max out HSA or FSA contributions
Review charitable giving for deductions
Ensure estimated tax payments are up to date
Check if you qualify for energy efficiency credits on home improvements
Why You Should Act Now
Most proactive strategies must be executed before year-end — not when you file in March or April. Waiting until tax season means you’re only reacting, not planning.
Whether you own a business, manage rental properties, or do both — now is the time to position yourself for the lowest possible 2025 tax bill.
Limited-Time Year-End Offer — $200 Off Comprehensive Tax Planning
To help you finish the year strong, we’re offering $200 off our Comprehensive Tax Planning Service through December 31.
This includes:
Review of your prior two years’ tax returns
Personalized strategies for both business and real estate income
Optimized entity, payroll, and investment structure analysis
A 2-hour meeting with a CPA to walk you through your tailored plan
Don’t Wait — The Clock Is Ticking!
Every day closer to December 31 is a day fewer for tax-saving opportunities.
Let’s make sure you end the year in the strongest position — and start 2026 with a clear, proactive tax plan. Book your Year-End Tax Planning Session and claim $200 off here.
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