The good news is that you can plan for this. When you understand how RSUs are taxed and take a few proactive steps during the year, you can avoid surprises and make more deliberate decisions about how this equity can support your broader financial goals.

How RSUs Work

RSUs are a form of compensation where your employer grants you the right to receive company stock (or sometimes cash) once certain conditions are met, typically staying with the company for a set period or meeting performance goals. Unlike stock options, there’s no purchase required. When the units vest, the shares are delivered to you.

Most companies use a multi-year vesting schedule, often with quarterly or annual vesting after an initial cliff or service requirement. At each vesting date, the value of those shares is determined by the stock price at that time, and that amount is treated as taxable income.

This is where many people get caught off guard, as the income shows up on your paycheck and affects your overall tax picture.

How RSUs Are Taxed When They Vest

RSUs are taxed as ordinary income when they vest, regardless of whether you hold or sell them. The fair market value of the shares at vesting is treated as “supplemental wages” and shows up on your W‑2, just like a bonus.

That vesting amount is subject to:

• Federal income tax withholding
• Social Security and Medicare (FICA)
• State and possibly local income taxes, depending on where you live

For federal income tax, employers generally follow IRS supplemental wage rules:

• 22% withholding on supplemental wages up to $1 million in a calendar year
• 37% on supplemental wages above $1 million

This flat rate is only a withholding method, not necessarily your true marginal tax rate. If you’re in a higher tax bracket, which is common for professionals with significant equity compensation, your actual tax owed may exceed what was withheld.

Common Ways to Cover RSU Withholding Tax

When RSUs vest, your employer typically uses one of several methods to collect the required withholding taxes. The specific approach is dictated by your company’s plan, but the most common methods are:

• Sell to cover. A portion of your newly vested shares is automatically sold to cover estimated taxes, and the remaining shares are deposited into your brokerage account. This often feels “automatic” and convenient, since you don’t have to write a check. However, it doesn’t guarantee that enough tax has been withheld for the year.
• Same‑day sale (cash out). All vested shares are immediately sold, the company withholds the estimated taxes, and you receive the remaining cash. This can help with cash flow if you have near‑term goals or want to avoid concentrated stock risk.
• Cash withholding / share delivery. Your employer withholds the tax due from your regular paycheck or asks you to pay cash, and you receive all of the vested shares in your account. This preserves your full equity position but increases your exposure to the company’s stock.

Most employers default to a variation of sell‑to‑cover or net share settlement, unless you make a different election. Whichever method your company uses, it’s important to remember: the withholding is just an estimate based on IRS rules—not a guarantee you’ve paid the “right” amount of tax for the year.

Why RSU Withholding Often Falls Short

Because RSU income is treated as supplemental wages, most employers use the IRS flat rate for federal withholding. For many mid‑ to high‑income earners, this flat 22% rate is lower than their actual marginal tax rate, which can easily land in the 24–35% range (or higher).

This gap is a common reason people with RSUs end up with a tax bill they didn’t anticipate. Consider a simplified example:

• If 1,000 RSUs vest at $100 per share, you’ve added $100,000 of ordinary income.
• At a 22% withholding rate, only $22,000 might be withheld.
• If your marginal tax rate is 35%, your actual federal liability on that income alone is $35,000 dollars, leaving a $13,000 shortfall.

Other factors that can make under‑withholding more likely include:

• A spouse or partner’s income
• Prior RSU vests and bonuses in the same year
• Investment income and side‑business income
• Changes in filing status or deductions

The IRS can charge underpayment penalties if your combined withholding and estimated payments don’t meet safe‑harbor thresholds. It’s best to avoid these if possible, since penalties have become more expensive as interest rates have risen.

Options If Your RSU Withholding Isn’t Enough

If you notice your RSU income is pushing your tax bill higher than what was withheld, you generally have three ways to close the gap over the year instead of waiting for an April surprise.

1. Increase withholding from regular paychecks. You can adjust your Form W‑4 so your employer withholds more tax from your regular wages. This approach spreads the extra tax over each paycheck and is often the easiest to implement.
2. Make quarterly estimated tax payments. If your income is variable, or you prefer more control, you can send estimated tax payments to the IRS and, if applicable, your state each quarter. This route requires more tracking and discipline but can be very effective, especially if your RSU vests are large or clustered in certain quarters.
3. Pay the difference when you file. You can choose to do nothing during the year and simply pay any shortfall when you file your tax return. This may work if the gap is small, but if the shortfall is significant, you may face penalties and a large lump‑sum payment—neither of which feel great.

Often, the best solution is a combination: slightly higher paycheck withholding plus modest estimated payments during heavy vesting years.

Best Practices for Managing RSUs Thoughtfully

For many professionals, especially those in tech, finance, or high‑growth industries, RSUs can represent a meaningful share of total compensation. To integrate them smoothly into your financial life, consider these best practices:

• Know your vesting schedule and values. Track upcoming vesting dates, the number of shares expected to vest, and a reasonable estimate of what those shares may be worth. This allows you to plan ahead for both taxes and cash flow.
• Avoid over‑concentration in company stock. It’s easy to let vested shares accumulate, especially when things are going well at work. Yet holding too much of your net worth in a single stock can increase risk and tie your income and wealth to the same company. It’s generally wise to set a maximum percentage of your investable assets you’re willing to hold in company stock and rebalance periodically.
• Set a default “sell versus hold” policy. Instead of making each vesting decision in the moment, decide in advance how you’ll handle new shares. For example, you might choose to sell a set percentage at vest to cover taxes and diversify, while keeping the rest within your agreed‑upon concentration limit.
• Coordinate RSUs with your broader plan. RSU income can be a powerful way to accelerate progress on long‑term financial objectives. Aligning your equity decisions with your values and goals helps you use this compensation intentionally, not reactively.
• Document everything. Save your vesting statements, trade confirmations, and year‑end tax forms (W‑2, 1099‑B, etc.) so you and your tax preparer can accurately calculate any capital gains when you eventually sell.

A Simple RSU Planning Routine

To make RSU planning feel more manageable, it can help to use the same basic steps each year.

1. Forecast your RSU income
   • List your upcoming vest dates and expected share counts.
   • Apply a conservative stock price to estimate how much taxable income those vests might create.
2. Compare your projected tax to withholding
   • Look at your paystub and equity portal to see your RSU withholding method and rate.
   • Compare the expected withholding (for example, 22% federal) to your estimated marginal tax rate for the year.
   • Identify any likely shortfall early.
3. Decide how you’ll handle the gap
   • Adjust your W‑4, schedule estimated payments, or do a mix of both so you stay ahead of potential underpayment.
   • Consider directing part of your vest proceeds to a separate “tax and goals” savings account to avoid accidentally spending them.
4. Set your sell/hold rules and revisit annually
   • Choose a default approach to selling and diversifying, along with a cap on company stock concentration.
   • Revisit these decisions at least once a year, or sooner if your stock’s performance or personal circumstances change.

RSUs and Your Financial Plan

RSUs are more than just another line on your paystub. For many hard-working women, they’re part of your life story: the late nights, the risks you’ve taken in your career, and the future you’re building for yourself. When you understand how RSU withholding works and proactively plan for taxes, you give yourself permission to enjoy the rewards of your hard work instead of worrying about what might happen next April.

If you’d like help weaving your equity compensation into a clear, values‑aligned financial plan—one that supports your independence, your goals, and the life you want to live—consider partnering with Curtis Financial Planning. We understand the nuances of RSUs and can help you turn complex equity decisions into a simple, repeatable strategy that works for you. Connect with us to learn more.

The post Managing RSU Withholding Tax: A Guide for Women with Equity Compensation appeared first on Curtis Financial Planning.

What’s Ahead in 2026: Updates to Charitable Deduction Rules

Beginning in 2026, the One Big Beautiful Bill Act (OBBBA) introduces permanent revisions to how charitable contributions are treated for tax purposes. Below is an overview of the key changes you’ll want to keep in mind:

Above-the-Line Deductions for Standard Deduction Filers

Starting in 2026, taxpayers who don’t itemize will still be able to claim a charitable deduction. The allowance is:

• Up to $2,000 for couples filing jointly
• Up to $1,000 for individuals

This deduction applies only to cash donations made directly to eligible public charities. It does not extend to gifts contributed through donor-advised funds (DAFs) or to non-cash contributions.

Reduced Charitable Deduction for Itemizers

Starting in 2026, those who itemize deductions will see a small but permanent reduction in the charitable deduction they can claim. The new rule trims 0.5% of adjusted gross income (AGI) from the total amount deductible, lowering the tax benefit of giving.

For instance, with an AGI of $400,000, the 0.5% reduction equals $2,000. Therefore, if you contribute $20,000 to charity, only $18,000 would count as a deductible expense under the updated rules.

Deduction Limits for High-Income Taxpayers

Beginning in 2026, individuals in the highest tax bracket will see a reduced benefit from charitable giving. The maximum value of deductions will be capped at 35%, compared to the current 37%. This change comes in addition to the new rule that trims 0.5% of adjusted gross income (AGI) from the amount eligible for deduction.

For example, if your AGI is $1 million in 2026 and you donate $50,000:

• The 0.5% AGI reduction removes $5,000, leaving $45,000 as the deductible portion.
• Applying the 35% limit, your tax savings would be $15,750.

Under today’s rules, the full $50,000 would qualify at 37%, resulting in $18,500 of tax savings. That’s a difference of $2,750, illustrating why it may be wise to plan charitable contributions before these new rules take effect.

What Stays the Same

Qualified charitable distributions (QCDs) from IRAs will remain one of the most tax-efficient ways for retirees to give. These gifts are still fully deductible, excluded from adjusted gross income (AGI), and untouched by the upcoming law changes.

5 Charitable Giving Moves to Consider Before 2026

While the OBBBA will soon bring lasting changes to charitable giving tax rules, there’s still time to take advantage of the current, more favorable framework. Here are a few strategies to consider putting in place before year-end:

#1: Accelerate Giving into 2025

If you anticipate making large charitable gifts in the coming years, it may be wise to move some of that giving into 2025. Doing so allows you to lock in today’s more favorable deduction rules before they change.

This approach can be particularly advantageous if:

• You plan to itemize deductions in 2025.
• Your income or deductions are likely to be lower in future years.
• You’re in the top tax bracket and want to benefit from the current 37% deduction rate.

#2: Bunch Contributions to Boost Tax Efficiency

If you typically spread out your charitable gifts, consider grouping several years’ worth into 2025. By “bunching” donations, you may push your total contributions above the standard deduction limit, making itemizing worthwhile and increasing your overall tax savings.

For instance, rather than donating $10,000 in both 2025 and 2026, you could give $20,000 in 2025, itemize that year, and then take the standard deduction the following year. This way, you maximize deductions without altering the total amount you give.

Using a donor-advised fund can make this strategy even more effective. You claim the full deduction in 2025 while retaining flexibility to distribute funds to charities over time.

#3: Give Non-Cash Assets Before the Rules Change

Under the OBBBA and its new charitable giving rules, non-itemizers won’t be able to claim an above-the-line deduction for non-cash contributions such as clothing, household goods, or appreciated securities. In other words, unless you itemize, these gifts won’t provide a tax benefit.

If you currently itemize but expect to take the standard deduction in future years, consider making your non-cash donations in 2025 so you can still deduct their value under the existing rules.

Examples of non-cash contributions to consider this year include:

• Gently used clothing and household items
• Vehicles
• Appreciated stocks or other securities
• Collectibles or other tangible property

Remember to keep proper records of your donations, particularly for items worth more than $500.

#4: Take Advantage of QCDs at Age 70½+

For retirees, qualified charitable distributions (QCDs) remain one of the most tax-efficient ways to give. If you’re 70½ or older, you can transfer up to $108,000 in 2025 (inflation-adjusted) directly from your traditional IRA to a qualified charity, and the amount counts toward your required minimum distribution (RMD).

QCDs offer several advantages:

• They don’t increase your AGI, which may help you avoid higher Medicare premiums and other income-related taxes.
• They are unaffected by the OBBBA, meaning the tax benefits stay intact beyond 2025.
• You can donate to multiple charities in one year while keeping your tax reporting simple.

Important: the transfer must go straight from your IRA custodian to the charity. If you withdraw the funds first, the amount will be treated as taxable income and won’t qualify as a QCD.

#5: Consider a Donor-Advised Fund (DAF)

A donor-advised fund lets you make a large, deductible gift now while giving you the flexibility to distribute the money to charities gradually. This can be an effective way to bunch donations or lock in today’s more favorable deduction rules while still supporting causes over time.

With a DAF, you can:

• Claim the deduction in the year you contribute.
• Decide later when and how to recommend grants to charities.
• Contribute appreciated assets, such as stock, to avoid capital gains taxes while still receiving the full deduction (if you itemize).

One key note: starting in 2026, DAF contributions won’t qualify for the new above-the-line deduction available to non-itemizers. If you expect to use the standard deduction in future years, opening or funding a DAF before the rules change can help maximize your tax benefits.

Maximizing Your Charitable Giving Ahead of OBBBA Changes

With the OBBBA changes on the horizon, this is a good moment to be more intentional with your charitable giving. If generosity is part of the future you’re building, taking action before year-end can help you make an even bigger difference while taking advantage of today’s more favorable tax rules.

Explore our free resources for helpful tips, tools, and educational content to support your financial journey.

The post Making the Most of Your Charitable Giving Before OBBBA Changes Take Effect appeared first on Curtis Financial Planning.

Should I really be spending this much? What if I need that money later? Is this responsible?

As a financial planner, I hear those questions often. And while discipline and long-term planning are key to financial health, so is joy. Money is a tool meant to support your life, not something to hoard or fear. And for many people, travel is one of the most meaningful ways to use it.

When done thoughtfully, travel isn’t just an expense. It’s an investment in your happiness, mental health, and sense of connection to the world around you.

The Emotional ROI of Travel

Most of us understand the financial return on investment: you invest money now to earn more later. But there’s another kind of ROI that’s harder to quantify and just as powerful: the Return on Intention.

When you spend money on experiences that align with your values, you reinforce what matters most to you. In fact, research consistently shows that experiences like travel bring longer-lasting happiness than material purchases.

Studies show that simply looking forward to something can be one of the most powerful ways to boost happiness. Anticipating a meaningful experience like an upcoming trip, for example, often sparks more joy than the event itself. Material things, on the other hand, tend to fade in satisfaction as we quickly adapt to them.

Travel can also boost creativity and resilience. Immersing yourself in a new environment challenges your comfort zone, broadens your perspective, and encourages problem-solving—all skills that carry over into your personal and professional life. In other words, every trip shapes you in ways that can’t be measured in dollars.

Reframing “Can I Afford It?”

It’s natural to weigh the financial impact of discretionary spending. But when you approach travel as an investment rather than a luxury, the conversation changes.

Instead of asking, “Can I afford this trip?” try asking, “How can I afford this experience responsibly?” That small mindset shift empowers you to make choices that align with both your values and your financial goals.

Maybe it means adjusting your timeline, setting up a dedicated “wanderlust fund,” or cutting back in areas that matter less to you. The key is intentionality.

Financial freedom isn’t about saying “yes” to everything. It’s about being able to say “yes” to the right things. And if travel brings you joy, connection, or a sense of renewal, it deserves a place in your plan.

The Wellness Connection

Travel and well-being go hand in hand. Stepping away from your daily routine provides space for reflection, creativity, and rest—three ingredients that are often in short supply.

A 2023 report from the Global Wellness Institute found that travelers who prioritize wellness-oriented experiences (such as time in nature, cultural immersion, or mindfulness activities) report higher life satisfaction and lower stress levels than non-travelers. Even short breaks can have lasting effects: researchers have found that vacation benefits can linger for weeks, improving both mood and productivity.

For women especially, travel can be a powerful act of self-care. Whether you’re caring for children, aging parents, or a team at work, you likely spend much of your energy tending to others. Taking time to explore the world on your own terms—even just once a year—helps refill your mental and emotional reserves.

Financial Planning for Freedom

The best trips aren’t impulsive; they’re intentional. That doesn’t mean you have to micromanage every penny, but it does mean building travel into your broader financial picture.

Here are a few ways to make it happen:

#1: Create a Travel Fund You Contribute to Regularly

Treat travel like any other goal: retirement, a new car, or a home renovation. Automate monthly contributions to a high-yield savings account earmarked for travel. That way, when adventure calls, you can answer without dipping into your emergency fund or feeling guilty.

#2: Use Credit Card Points Strategically (Not Emotionally)

Many premium cards offer generous travel rewards, but the trick is to use them mindfully. Pay your balance in full each month, and focus on cards that align with your travel habits, whether that’s airline miles, hotel stays, or flexible cash-back rewards.

#3: Plan Ahead for “Hidden” Costs

Factor in more than airfare and accommodations: travel insurance, meals, excursions, and currency exchange can add up. Building those into your budget early helps avoid surprises later.

#4: Keep It in Context

A trip that fits comfortably into your plan won’t derail your financial goals. But if travel starts to feel like an escape from stress or a coping mechanism, it may be time to pause and reassess. Balance is key; financial wellness should support emotional wellness, not compete with it.

The Freedom You’ve Worked For

For many of my clients, travel represents more than just leisure: it’s the freedom to explore new cultures, reconnect with loved ones, or simply rest after years of hard work. And that’s exactly what financial planning is meant to create: the ability to design and live a life that feels rich in every sense of the word.

When you look back years from now, chances are it won’t be your investment statements or account balances you remember most, it’ll be the experiences. The sunset dinner in Santorini. The laughter on a train ride through the Alps. The quiet morning coffee in a place where no one knows your name. Those moments are the real return on your investment.

Give Yourself Permission to Say “Yes” to Travel & Adventure

Giving yourself permission to spend—especially on something as enriching as travel—is an act of confidence. It’s saying, “I’ve planned for this. I deserve this. And this matters to me.”

True financial well-being isn’t about never spending; it’s about spending in alignment with your values and your vision for life. When you view money as a tool for meaning, not just security, you open the door to a life filled with purpose, curiosity, and joy.

So go ahead, book the trip. See the world. Let your money do what it was meant to do: help you live well.

Explore our free resources for helpful tips, tools, and educational content to support your financial journey.

The post Giving Yourself Permission to Spend: Why Travel Is an Investment in Well-Being appeared first on Curtis Financial Planning.

A year to reset. Six months to breathe. Time to recover from burnout and decide what the next chapter should look like.

Stepping away doesn’t have to mean undoing years of financial progress. With thoughtful planning, a midlife career break can be a strategic and empowering move. One that protects your long-term financial health while giving you back something even more valuable: your life.

The Challenge

You’ve done everything right. You’ve played the long game, followed the rules, and made responsible choices. And now, all you want is a break. Not forever, just long enough to reset your nervous system and remember what life feels like without the constant grind.

The challenge comes when fear gets in the way.

Over time, it’s easy to internalize certain beliefs about work, money, and success until they feel like indisputable truths. In working with dozens of high-achieving women who have reached this crossroads, often in their early to mid-50s, the same patterns emerge: financial stability on paper paired with emotional exhaustion.

And underneath it all, a handful of familiar stories.

Story #1: “I’ll ruin my long-term financial plan if I take a midlife career break.”

This assumption isn’t always accurate. If you’ve saved aggressively for years, your portfolio may already have the flexibility to support a break, especially if your spending is reasonable.

A year off at 57 is not the same as a year off at 37. Decades of disciplined saving often create more breathing room than you realize.

A smart next step is to create a Gap Year Budget and run a stress test on your financial plan. Using conservative assumptions, like 5% annual returns instead of 8%, can give you a clearer picture of the potential impact of a midlife career break. For many, the effect on long-term projections is surprisingly minimal.

Story #2: “If I leave, I’ll never make the same money again.”

For many women, this is a deeply ingrained fear. While it’s true that some midlife career breaks result in lower salaries upon return, that isn’t always a negative outcome. Some of the most fulfilling career transitions happen because of a break, not in spite of one.

The real turning point comes from clarity—knowing what you want next and what you’re willing to trade for peace of mind. In some cases, a lower-paying but values-aligned role in a healthier work environment can be worth far more than the difference in income.

Story #3: “Financial independence means freedom, and if I stop making money, I’ll lose it.”

Financial independence is about more than numbers. It’s also about the ability to shape your life in ways that support your health, relationships, and purpose. Yet many people still tie their sense of worth to their productivity, making it difficult to embrace the freedom they’ve earned.

Stepping away from a toxic or draining environment can provide the clarity you need to decide what truly matters in the years ahead. That’s the kind of freedom worth protecting.

Tactical Steps for a Financially Sound Midlife Career Break

#1: Assess the true cost of time off.

Start by calculating your total annual spending, making sure to include health insurance costs if you’ll no longer be covered by your employer. Next, factor in any income that will continue during your break, such as RSU vesting, rental property income, or K-1 distributions.

The difference between these two numbers is the amount you’ll need to cover. This gap can often be bridged with cash savings or modest withdrawals from a taxable brokerage account.

To understand the long-term implications of a midlife career break, run a stress test on your plan using conservative assumptions, such as flat or slightly negative market returns, so you can see exactly how a break might affect your financial trajectory.

#2: Plan for health insurance.

If you’re leaving an employer-sponsored plan, explore your options well before your last day. COBRA coverage allows you to keep your current plan for up to 18 months (sometimes longer in certain states), though it often comes with a higher price tag.

You may also find affordable coverage through the ACA marketplace, especially if your income drops significantly during your time off. If you have a Health Savings Account (HSA), consider using those tax-free funds for qualified healthcare expenses while you’re not working.

#3: Maintain professional engagement.

A midlife career break doesn’t mean disappearing from your industry. Consider light consulting, short-term projects, or volunteering in roles that keep you connected to your professional network.

You might also use this time to complete a course or earn a certification—not just for your résumé, but to stay engaged and intellectually stimulated. Meanwhile, try to keep a light but steady presence on LinkedIn by posting occasionally or sharing articles, and set up regular coffee meetings or calls with colleagues to stay current on industry trends.

#4: Prepare for the emotional shift.

Stepping away from a career you’ve built over decades is as much an emotional shift as it is a financial one. Without the familiar structure of work, it’s easy to feel adrift. To stay grounded, design a routine that offers both purpose and flexibility, perhaps through part-time projects, hobbies, travel, exercise, or creative pursuits that bring you energy and satisfaction.

When the inevitable “So, what do you do?” comes up, have an intentional and confident response ready. The more thought you put into how you’ll spend your time and define your identity, the more fulfilling your break will be, and the smoother your eventual return or reinvention.

Permission, Redefined: Navigating a Midlife Career Break with Confidence

A midlife career break isn’t a setback; it’s a choice made possible by years of smart financial decisions. Burnout isn’t a luxury problem; it’s a signal that something needs to change.

And financial independence isn’t just about funding retirement decades from now. It’s also there to safeguard your well-being in the present.

I know this firsthand. For years, I dreamed of becoming an independent financial advisor but doubted whether I could make it work. I told myself the same stories I now hear from my clients and almost let fear convince me to stay put.

Eventually, I left a well-paying corporate role to start my own practice. The leap was both terrifying and exhilarating, and it turned out to be one of the best financial and life decisions I’ve ever made.

Sometimes, the wisest money move is the one that gives you your life back. And you don’t have to make it alone. Partnering with a trusted financial advisor can help you evaluate your options, run the numbers, and step into this next chapter with both clarity and confidence.

Explore our free resources for helpful tips, tools, and educational content to support your financial journey.

The post Taking a Midlife Career Break: How Women 50+ Can Step Away Without Wrecking Their Finances appeared first on Curtis Financial Planning.

The bill includes roughly $4.5 trillion in tax cuts, major changes to federal spending, and significant investments in border security and defense.

Supporters see it as a continuation of Trump-era tax relief and a bold move to bolster national security. Critics, however, point to its steep cuts to safety net programs and the potential $3.3 trillion increase to the federal deficit over the next decade.

The bill’s provisions are likely to affect individuals, families, and businesses across the country. Here’s a closer look at what’s inside and how it could impact you.

One Big Beautiful Bill Act: Key Tax Provisions

Tax Rates and Brackets Made Permanent

The tax brackets introduced by the 2017 Tax Cuts and Jobs Act (TCJA) were originally scheduled to expire in 2025. The OBBBA makes these lower tax rates permanent, keeping the 10%, 12%, 22%, 24%, 32%, 35%, and 37% brackets in place indefinitely (or until changed by future legislation).

Standard Deduction Increases Under the One Big Beautiful Bill Act

The standard deduction amounts, which the TCJA nearly doubled, are now permanent and slightly higher for 2025:

• Single Filers: $15,750
• Married Filing Jointly: $31,500

Additional standard deductions for those 65+ also remain, increasing annually with inflation.

New $6,000 Deduction for Older Adults

People 65 and older may qualify for an additional $6,000 personal exemption between 2025–2028. However, this benefit phases out:

• For single filers, the deduction begins to phase out at $75,000 and goes away completely by $175,000 MAGI.
• For joint filers, it phases out between $150,000–$250,000 MAGI.

SALT Deduction Temporarily Expanded

From 2025 to 2029, the State and Local Tax (SALT) deduction cap increases from $10,000 to $40,000, with a phaseout beginning at $500,000 MAGI. The base cap of $10,000 becomes permanent starting in 2030.

New Deductions for Workers

Temporary tax breaks from 2025 through 2028 include:

• Up to $25,000 of tip income excluded from federal income tax (phased out starting at $150,000 MAGI for singles, $300,000 for couples).
• Up to $12,500 of overtime pay excluded for individual filers, and up to $25,000 for joint filers (same income thresholds as above).
• Up to $10,000 of auto loan interest is deductible if the car is U.S.-assembled and the loan originated after 2025 (phased out for singles earning over $150,000, couples over $250,000).

Changes for Retirees and Estate Planning in the One Big Beautiful Bill Act

Social Security Still Taxable

Despite some confusion, the One Big Beautiful Bill Act does not change Social Security taxation. However, with expanded standard deductions and senior-specific exemptions, more retirees may see lower overall taxable income.

ACA Credits Not Extended

Enhanced Affordable Care Act (ACA) premium tax credits—originally introduced during the pandemic—are set to expire at the end of 2025.

Beginning in 2026, income eligibility rules will revert to pre-2021 levels, meaning many households that previously qualified for subsidies may no longer be eligible. According to an analysis from KFF, the average enrollee could see their premiums rise by 75%, making health insurance substantially less affordable for millions of Americans.

However, starting in 2026, all bronze and catastrophic plans purchased on the ACA exchange will qualify the policyholder to contribute to a Health Savings Account (HSA), which could offer a new tax-advantaged savings opportunity for early retirees.

Estate and Gift Tax Exemption Increases

The current estate and gift tax exemption of $13.99 million per person will increase to $15 million in 2026 and remain indexed to inflation going forward. This makes long-term legacy and gifting strategies even more important for high-net-worth families.

Charitable Giving Rules Adjusted

Beginning in 2026, if you don’t itemize deductions, you’ll be able to claim a charitable deduction of:

• $1,000 (single filers)
• $2,000 (joint filers)
  Note: Applies regardless of income, but donations to donor-advised funds are not eligible for this deduction.

For itemizers, donations must now exceed 0.5% of AGI before becoming deductible. For example, if your AGI is $100,000, only donations above $500 will count toward your itemized deduction.

Clean Energy Rollbacks

Several clean energy provisions from the 2022 Inflation Reduction Act are rolling back:

• EV tax credits will end after September 30, 2025.
• Home energy efficiency upgrades and clean residential energy systems (like solar or geothermal) must be installed by December 31, 2025 to qualify for tax credits.
• New tax credits are now available for metallurgical coal, a move critics argue slows the transition to greener energy.

Introducing “Trump Accounts” for Children

Starting in 2026, new savings accounts will be available for children under 18. Key details include:

• Named “Trump Accounts,” these operate similarly to Roth IRAs.
• Annual contributions are capped at $5,000, with no upfront tax benefit.
• The federal government will contribute $1,000/year to accounts for children born between 2025–2028.
• Investment options are limited to low-cost index ETFs or mutual funds.

These accounts are designed to encourage early saving, but the complexity of distribution rules and limited utility for most taxpayers means it may take time to understand how widely they’ll be used.

One Big Beautiful Bill Act: The Bottom Line

The One Big Beautiful Bill Act brings sweeping changes to the tax code, health care system, and energy policy. While the full long-term effects are still unfolding, many provisions should deliver short-term savings, particularly for older adults, working families, and small business owners.

That said, the impact will look different for everyone depending on your income, age, and filing status. If you’re unsure how these changes could affect your tax bill, retirement strategy, or estate plan, now is a great time to revisit your financial plan. We’re here to help you cut through the complexity, make informed decisions, and plan confidently for what’s ahead.

Explore our free resources for helpful tips, tools, and educational content to support your financial journey.

The post What the One Big Beautiful Bill Act Could Mean for You appeared first on Curtis Financial Planning.

If you hold bonds in your portfolio, recent developments may feel unsettling. But before making any sudden changes, it’s important to understand what’s behind the turbulence—and why bonds still play a key role in a well-diversified investment strategy.

Understanding the Bond Market

The U.S. bond market is a cornerstone of the global financial system. It enables a wide range of borrowers—from the federal government to municipalities and corporations—to raise capital by issuing debt to investors. In exchange, investors receive regular interest payments and the return of their principal when the bond matures.

Among the many bond types, investors often view U.S. Treasury securities as the safest. Backed by the full faith and credit of the U.S. government, Treasuries are known for their high liquidity, minimal default risk, and reliability, making them a go-to option for investors during periods of economic uncertainty.

Why Investors Are Nervous

While U.S. Treasuries generally are among the safest investments in the world, that sense of security can deteriorate when doubts arise about the government’s fiscal direction. That’s exactly what we’re seeing today.

Recent policy moves—including a sweeping new tariff plan and a large-scale tax-and-spending proposal—have reignited concerns about the rising national debt and the long-term sustainability of U.S. economic policy. These developments have caused bond yields to climb to recent highs and introduced a fresh wave of volatility in the bond market.

It’s easy to interpret these headlines as alarming, but it’s important to put this in perspective. Volatility in the bond market doesn’t function the same way as it does in the stock market.

While equity market swings often reflect company performance or investor sentiment, bond market movements are more closely related to interest rates, inflation expectations, and perceptions of fiscal discipline. In other words, the current turbulence signals a recalibration of investor expectations—not necessarily a crisis.

First: The Impact of Trump’s “Liberation Day” Tariffs

In the immediate aftermath of President Trump’s April 2 “Liberation Day” tariff announcement, the bond market reacted in a familiar way. As equities tumbled, investors sought the relative safety of U.S. Treasury bonds, pushing prices higher and yields lower.

However, that trend quickly reversed. By April 4, Treasuries came under consistent selling pressure, even as stocks continued to slide.

Within just four days, the 10-year Treasury yield surged from 4.20% to over 4.50%, its sharpest jump since the 2008 financial crisis. Because bond prices move inversely to yields, this surge signaled a significant drop in prices.

Instead of acting as a safe haven, investors were selling off government bonds alongside equities—an unusual dynamic that only deepened market uncertainty. For an asset class typically viewed as a global refuge during times of turmoil, this shift was a clear sign of growing unease about the government’s fiscal direction.

In response to the mounting pressure, the Trump administration backed off parts of the tariff proposal in an effort to calm markets and restore some stability.

Next: The “Big, Beautiful” Tax Bill

The bond market faced its second major jolt in May when President Trump’s “big, beautiful” tax bill advanced through a key congressional committee. The proposal—featuring extended tax cuts, a higher debt ceiling, and trillions in new spending—quickly raised red flags among fiscal policy experts.

According to the nonpartisan Committee for a Responsible Federal Budget, the plan could add approximately $3.3 trillion to the national debt by 2034, or closer to $5.2 trillion if temporary provisions become permanent.

Markets were already on edge, and the uncertainty surrounding the bill’s final form only heightened investor anxiety. That pressure intensified when Moody’s downgraded the U.S. credit outlook, citing the government’s growing debt burden and diminishing fiscal flexibility.

Investor concerns became even more evident during a 20-year Treasury auction later in the month, where demand came in well below expectations. Buyers pushed for higher yields, clearly signaling that they now view U.S. debt as carrying greater risk and want to be compensated accordingly.

As a result, the 30-year Treasury yield climbed to 5.14%, its highest level since October 2023. The message to Washington was clear: if the government continues down a path of heavy borrowing and spending, investors will demand higher returns, making it more expensive to finance the nation’s growing debt.

What Bond Market Volatility Means for Investors

President Trump’s proposed tariff plan and multi-trillion-dollar tax-and-spending bill have shaken investor confidence in U.S. Treasuries—long viewed as one of the safest investments in the world. The tariffs raise fears of higher inflation, while the spending plan raises concerns about growing government debt.

While interest rate expectations often drive bond prices, they’re not the only factor. Perceived risk, especially around inflation and fiscal policy, can be just as important.

When investors expect inflation to rise, they demand higher yields to make up for the reduced value of future interest payments. Meanwhile, when government debt increases without a clear plan to manage it, investors begin to question the country’s long-term financial stability.

This uncertainty often leads to higher risk premiums and rising yields, even if the Federal Reserve hasn’t changed rates.

Putting Bond Market Volatility in Perspective

If the recent bond market headlines have you feeling uneasy, you’re not alone. Sudden spikes in yields and talk of credit downgrades can make even seasoned investors take pause. But this isn’t a reason to panic—it’s a normal part of how markets react to changing conditions.

It’s also important to remember that bonds still play a critical role in a diversified portfolio. They help manage risk, preserve capital, and generate income, especially during periods of stock market stress. Part of the reason this moment feels so unusual is because, most of the time, bonds are the calm in the storm—and more often than not, they still are.

Rather than getting swept up in the headlines, it’s more helpful to stay grounded in your broader financial plan. Volatility is a normal part of investing, and your portfolio is built to handle moments like this. What matters most is having a strategy that reflects your goals and balances the risks across different parts of the market.

If you’re feeling uncertain or wondering whether your current investment approach is still the right fit, now is a great time to connect with your financial advisor. A well-crafted plan—one that’s built with the long term in mind—is the best way to stay focused and move forward with confidence, no matter what’s happening in the markets.

Explore our free resources for helpful tips, tools, and educational content to support your financial journey.

The post What Bond Market Volatility Is Telling Us – And Why It Matters appeared first on Curtis Financial Planning.

This isn’t a sign of inexperience; even seasoned investors fall into the trap of reacting emotionally when the headlines feel overwhelming. The truth is, we’re wired to seek control in uncertain situations, and that often means making moves that feel productive in the moment but hurt us in the long run.

Fortunately, when we understand the emotional biases behind our decisions and put thoughtful systems in place, we can create a buffer between our instincts and our actions—making it easier to stay grounded and focused, even in turbulent times.

Why We Make Emotional Investment Decisions

Our brains weren’t designed for long-term investing—they were designed for short-term survival. From an evolutionary perspective, when we sense danger, it’s our limbic system—the emotional center of the brain—that takes over. This system is responsible for quick, instinctive reactions like fight or flight.

In moments of market turmoil, it can easily overpower the more rational prefrontal cortex, which governs logic and long-term planning. The result is a tug-of-war between emotion and reason, often leading to cognitive biases that derail sound decision-making.

Common examples of these biases include:

• Loss aversion makes the pain of losing feel twice as intense as the pleasure of an equivalent gain, according to Nobel laureates Daniel Kahneman and Amos Tversky—prompting rash decisions to avoid further loss.
• Recency bias causes us to fixate on the latest downturn, assuming it will continue.
• Confirmation bias leads us to favor headlines that reinforce our fears.
• Herd mentality drives us to follow the crowd, even when the data says otherwise.

Recognizing these patterns is the first step toward developing a more disciplined, resilient investment strategy.

The Cost of Emotional Investing

Different market environments can stir up different emotional traps—each one capable of leading investors off course.

In bull markets, rising prices and media buzz often fuel FOMO (fear of missing out), pushing investors to chase hot stocks or take on too much risk. Overconfidence can creep in, too, leading many to forget that markets don’t rise forever. We’ve seen this pattern before: during the tech boom of the late ’90s, the housing bubble before 2007, and more recently, with the surge in bitcoin.

In bear markets, it’s the opposite. Fear and uncertainty take hold. Panic selling becomes common as investors try to “cut their losses,” often locking in declines that might have been temporary. The 2008 financial crisis was a clear example of how emotions can drive poor decisions.

The impact of these choices is real. According to Dalbar, from 1994 to 2023, the average equity investor earned an annualized return of 8.01%, while the S&P 500 returned 10.15%—a gap largely explained by mistimed buying and selling.

Morningstar also found that over the 10 years ending December 31, 2023, the average fund investor underperformed their actual investments by 1.1% per year. Put simply: it’s not just what you invest in that matters—it’s how you behave.

Staying disciplined and keeping emotions in check isn’t always easy, but it’s one of the most important things you can do to stay on track toward your long-term goals.

Practical Strategies to Avoid Emotional Investing

Emotions are a natural part of investing, but they don’t have to drive your decisions. With the right systems in place, you can reduce emotional interference and stay aligned with your long-term goals.

Here are four strategies that can help you stay the course when your emotions take hold:

#1: Create a Detailed Investment Policy Statement (IPS)

Before putting any money to work, it’s important to build a written plan that clearly defines your goals, risk tolerance, target asset allocation, and the circumstances under which you might make changes. This kind of structure—often called an Investment Policy Statement (IPS)—acts as your financial compass, keeping you grounded when markets become unpredictable.

Instead of reacting to headlines or short-term swings, you can revisit your IPS to stay focused on the strategy you thoughtfully set in place.

#2: Automate Contributions and Rebalancing

The fewer decisions you need to make, the better. Automating your monthly contributions takes the guesswork out of when to invest and builds consistency across all market environments.

In addition to setting up automatic deposits into your retirement accounts, consider directing fixed amounts to your emergency fund and other investment accounts. This kind of automation keeps your financial plan in motion—even on the days when your emotions might try to pull you off course.

#3: Lean Into Dollar-Cost Averaging (Especially in Volatile Markets)

Dollar-cost averaging—consistently investing a fixed amount at regular intervals—can help take the emotion out of investing by shifting your focus from short-term market swings to long-term growth. It’s especially effective during periods of volatility, when the urge to pause or make impulsive moves can be strongest.

A recent study from Vanguard found that this strategy not only helps reduce the risk of mistiming the market, but often leads to a lower average cost per share over time.

#4: Work With a Financial Advisor as an Emotional Buffer

Sometimes, the smartest investment move is choosing not to act—and that’s where a trusted advisor can make all the difference. A skilled financial advisor serves as a steady buffer between your emotions and your money, guiding decisions based on strategy and data rather than fear or impulse.

We provide perspective during turbulent times, help you stay aligned with your long-term goals, and offer the accountability and clarity you might need to navigate uncertainty with confidence.

Manage Your Emotions and Invest with Confidence

Emotional investing is one of the most common—and costly—mistakes investors make. But with the right strategies in place, it becomes easier to block out short-term noise and stay committed to your long-term goals.

Remember, mastering your mindset isn’t a one-time event—it’s a lifelong practice that deepens with experience. Having the support of a trusted financial advisor can make that journey more intentional, especially during periods of uncertainty.

The post Emotional Investing: Mastering Your Mindset in Turbulent Times appeared first on Curtis Financial Planning.

Women have fought for financial independence for generations—often against some pretty steep odds. As late as 1974, securing a credit card or mortgage required a husband’s or other male proxy’s signature. It wasn’t until 1988 that a woman could finally obtain business financing without a male co-signor.

Fast forward to today, and women are increasingly in the driver’s seat of their financial futures. We’re amid one of the most significant wealth transfers in history, with Baby Boomer women at the helm, making crucial decisions about trillions of dollars in assets.

How can women embrace this power and make the most of it?

How Women Approach Financial Decision-Making

Studies have long shown that women approach financial decision-making differently than men. While broad generalizations don’t always hold true, some common themes emerge:

• A Focus on Security. Women often prioritize financial security over high-risk returns, making strategic decisions that align with their long-term well-being.
• Philanthropy and Impact. Women are more likely to use their wealth to support causes they care about, whether through charitable giving, impact investing, or supporting family members.
• A Collaborative Approach. Many women prefer to work with advisors who listen, educate, and collaborate rather than dictate. Financial planning isn’t just about numbers—it’s about aligning wealth with values and goals.

Women Still Face Unique Challenges

Despite great strides, women still face unique challenges in wealth management. For instance, many outlive their spouses, often inheriting financial responsibilities later in life.

Additionally, our education system has not emphasized personal financial planning, so women of all ages can feel uncertain about financial decision-making. To complicate matters further, many decisions require a good knowledge of the tax code—a system that feels like a maze of exceptions, loopholes, and shifting rules. It’s full of “if this, then that” scenarios where a single decision can have cascading effects on taxes, investments, and estate planning.

Taking Control of Your Financial Future

To overcome the challenges, knowledge and planning are essential. Whether it’s working with a trusted financial advisor, educating yourself on investment strategies, or creating a solid estate plan, taking control of your wealth is worth focusing on. Here are a few ideas to help:

• Get Comfortable with Investing. Investing in the stock market is a proven way to build wealth. However, women tend to be less confident than men in this area.
• Build a Team of Experts. Don’t do it alone. A good financial advisor, estate planner, and tax professional can help you make informed decisions that align with your values and goals. The cost of these professionals can vary. However, you can generally expect to pay 1% of your managed accounts to a financial advisor annually (you should receive both investment management and financial planning for that fee), at least $2500 to $5000 dollars to create a solid estate plan, and $500 to $2500 a year for a tax preparer. Costs depend on the complexity of your finances and other factors.
• Define Your Legacy. Whether you want to support causes you care about, ensure generational wealth, or simply enjoy financial independence, having a plan for your wealth is essential.

Celebrate Women’s History Month by Taking Action

So, as we celebrate Women’s History Month, let’s not just reflect on how far we’ve come—let’s take action to shape the future. With knowledge, confidence, and the right support, women are not only managing wealth but transforming the financial landscape for generations to come. One decision at a time, one investment at a time, we’re building a future where financial independence isn’t just possible—it’s the norm.

The post The Financial Power Shift: How Women Are Taking the Lead in Wealth and Decision-Making appeared first on Curtis Financial Planning.

Step 1: Why the W-4 Changed

Before 2020, the W-4 form used allowances to determine how much tax to withhold. The more allowances you claimed, the less tax was withheld, and the fewer allowances, the more tax was withheld. However, this system often led to confusion and incorrect withholdings.

The change was driven by the 2017 Tax Cuts and Jobs Act (TCJA), which eliminated personal exemptions. Since allowances were tied to personal exemptions, they were no longer relevant, and the IRS needed a new approach. The new W-4 form now asks for specific financial details instead of an arbitrary number of allowances, making it easier to withhold the correct amount.

Step 2: Who Has to Fill Out a W-4?

Employees must fill out Form W-4, Employee’s Withholding Certificate, to determine how much federal income tax should be withheld from their paycheck. The following groups need to complete a W-4:

• New Employees: Anyone starting a new job must fill out a W-4 so their employer knows how much tax to withhold. If you don’t submit a W-4, the employer will default to withholding at the “single with no adjustments” rate, which may result in higher withholding.
• Employees Adjusting Withholding: If you owed a large tax bill last year or received a big refund, you may want to update your W-4 to better match your tax liability.
• People Experiencing Life Changes: If you marry, divorce, have a child, or buy a home, your tax situation changes, and updating your W-4 ensures the correct withholding.
• Employees with Multiple Jobs or a Working Spouse: The W-4 includes a section to help prevent under- or over-withholding for those with more than one income source.
• Employees with Additional Income: If you earn side income (freelancing, dividends, rental income) but don’t want to pay estimated taxes, you can adjust your W-4 to have more withheld.

Step 3: Who Has to Fill Out a W-9 and When?

Unlike employees who fill out a W-4, independent contractors, freelancers, and self-employed individuals must complete Form W-9, Request for Taxpayer Identification Number and Certification. Here’s why and when you need a W-9:

• Who Needs to Fill Out a W-9?
  • Independent contractors and freelancers
  • Self-employed individuals providing services to a company
  • Vendors receiving payments from a business
  • Anyone receiving non-employee compensation exceeding $600 in a tax year
• When Do You Fill Out a W-9?
  • A business will request a W-9 before paying you for services.
  • You provide your Social Security Number (SSN) or Employer Identification Number (EIN) so the business can report payments to the IRS using Form 1099-NEC or 1099-MISC.
  • Unlike a W-4, a W-9 does not determine tax withholding—contractors are responsible for paying their own taxes, usually through quarterly estimated tax payments (Form 1040-ES).

Step 4: Review and Adjust Annually

Life changes quickly, and so can your tax situation. Review your W-4 at least once a year or when you:

• Marry or divorce
• Have a baby
• Buy a home
• Start a new job or change income levels
• Owe a significant tax bill or receive a large refund

Final Thoughts

Many people still think they need to decide on the number of allowances for their W-4, but that system went away in 2020. Now, getting your W-4 right means more financial control—whether that means taking home a bigger paycheck or avoiding an unexpected tax bill. If you’re unsure, using the IRS calculator and reviewing your situation annually is the best way to keep things on track.

For those who work as independent contractors or freelancers, remember that you need a W-9 instead, and you are responsible for making your own tax payments.

Still have questions? Let’s talk! I’m happy to help you navigate your tax strategy so you can make the best financial decisions for your future.

The post How to Choose the Right Withholding on Your W-4 appeared first on Curtis Financial Planning.

Or perhaps you’ll file an extension, hoping for a bit more breathing room. (A reminder: filing an extension doesn’t extend the deadline to pay tax. You must make an estimated payment by April 15 and then true it up when you officially file).  Some of us might miss the deadline entirely—something I highly recommend avoiding.

When I was single, I always filed my taxes on time. It felt like a huge weight lifted from my shoulders.

But after I got married, my husband took over tax prep, and suddenly, we were always filing extensions. It drove me crazy! These days, we have an accountant, and yes, they often file extensions too. It turns out there are valid reasons for this:

Reasons for Filing an Extension

• Late K-1s: If you own alternative investments or receive trust income, you’ll need a Schedule K-1. These forms are notorious for being issued late, delaying your entire return.
• Missing Information: Sometimes, clients don’t get all their documents to the accountant in time. (Guilty as charged?)
• Overwhelmed Accountants: Some accountants take on too many clients and use extensions as a way to manage the workload.

If I were an accountant, I’d try to get everything done by April 15 just so I could take a long, well-earned vacation!

Unfortunately, there are consequences for not filing taxes on time…(by the way, filing an extension is a completely legitimate way to get more time to do your taxes, and it will not trigger an audit as many think. It is much better to file an extension than to do nothing and file late!

Not filing your taxes on time or failing to file altogether can lead to significant penalties and headaches. Here’s a quick rundown:

IRS Penalties

• Failure-to-File Penalty: The IRS charges 5% of the unpaid taxes for each month (or part of a month) your return is late, up to 25% of your unpaid taxes.
• Failure-to-Pay Penalty: If you don’t pay your taxes on time, you’ll be charged 0.5% of your unpaid taxes each month, up to 25%.
• Interest Charges: The IRS also charges interest on unpaid taxes, which accrues daily from the original due date of your return.

Example: Suppose you owe $10,000 and don’t file or pay anything for three months. When you finally file, the interest and penalties would add an additional $1,850.00 to your tax bill.

The IRS penalties don’t stop there. Here are a few lesser-known reasons to stay on top of your tax obligations:

Beware of These Red Flags This Tax Season

1. Solo 401(k) Filing Requirements: If you’re self-employed and have a Solo 401(k) with more than $250,000, you must file Form 5500 by July 31 or be subject to a $250-per-day penalty until you file. If this seems onerous, it is—the penalties were designed primarily to enforce compliance for large employer-sponsored retirement plans and prevent employers from mismanaging employee retirement funds. Unfortunately, Solo 401(k)s fall under the same penalty structure, even though they don’t pose the same risks.
2. State Tax Nexus Issues: Working remotely or in multiple states might mean owing taxes in more than one state. Failing to file the correct state returns can lead to penalties and interest.
3. Capital Gains Misreporting: Forgetting to report stock sales or underestimating the basis of your investments can trigger an IRS audit or unexpected tax bills.
4. Health Savings Account (HSA) Mistakes: Overcontributing to an HSA or using HSA funds for non-qualified expenses can result in taxes and penalties.
5. Gift Tax Filings: If you give someone more than $19,000 in a year (as of 2025), you need to file a gift tax return (Form 709), even if no taxes are due. Missing this step can complicate estate planning down the line.
6. Failure to Report Cryptocurrency Transactions: The IRS is cracking down on unreported cryptocurrency gains. If you’ve traded or sold crypto, you must report it on your tax return.
7. If you inherited an IRA and don’t take the correct distributions, the IRS imposes a 25% excise tax. They lower the excise tax if you correct the mistake within a correction window.
8. IRA Rollovers: If you need cash for a short period of time and tap your IRA for it, there is no problem as long as you redeposit the money back into the IRA within 60 days. However, you can only do this once within a 12-month period. If you do more, the full amount is taxable; if you are under age 59 ½, there is also a 10% penalty.

Make Tax Season Work for You

Instead of scrambling at the last minute or risking penalties, consider these steps to make tax season easier:

• Start Early: Gather your documents as soon as they’re available and set aside time to review them.
• Work with a Professional: A CPA, Enrolled Agent, or financial advisor can help you navigate complex situations and minimize your tax burden.
• Double-Check Everything: Avoid errors by reviewing your return carefully before filing.

Tax season may not be fun, but it’s a lot easier when you stay ahead of the deadlines and know the rules. Filing on time, avoiding penalties, and understanding your options can save you time, money, and stress. And isn’t that worth it?

For more financial planning tips and best practices, check out our free resources page.

The post Pretty Soon, It’ll Be Tax Time: Are You Ready? appeared first on Curtis Financial Planning.