$35 Million in Taxes Saved This Year!

As we move into the holiday season and the end of the year approaches, it’s a natural time to reflect on the progress made, the goals achieved and the opportunities that are ahead. At Taxes Saved, this time of year also provides an opportunity to step back and evaluate how we’ve helped clients keep more of what they earn, live more confidently in retirement and leave more behind for the people and causes they care about.

Just as importantly, this is also a moment to look forward. With 2026 on the horizon and recent legislative changes now in place, proactive tax planning has never been more critical.

President Trump’s back in office and earlier this year, he signed major tax legislation into law. Many taxpayers are now understandably optimistic. Expanded deductions and favorable provisions offer meaningful opportunities, but these opportunities come with time-sensitive limitations.

Some of the key changes to be aware of include:

• New and improved Deduction allowances (example: Senior Deduction Bonus $6,000-$12,000).
• Time sensitive deductions such as the state and local tax deduction increased from $10,000 to $40,000.
• Reduced business loss limitations for impactful deductions that are used to offset taxes from Roth conversions and to minimize income taxes.

These changes reinforce the importance of forward-looking strategies. This is particularly true in the proper use of the One Big Beautiful Bill that passed several viable tax deductions. These tax deductions are set to expire in just a few years. There are key tax planning tools that can no longer be treated as “set it and forget it.” The next few years present a window of opportunity, but only for those who plan intentionally.

One of the most consistent planning gaps we see involves tax-deferred retirement accounts such as IRAs and 401(k)s. While growth is often celebrated, it’s important to remember that growth inside tax-deferred accounts also means growing future tax liability. If your IRA is growing at 8% or higher per year, you and your family’s future tax bill is growing aggressively right along with it. The reality for many people is a higher tax liability than the actual present account balance. Most people find this reality hard to believe.

For many taxpayers, especially younger strong savers, high income earning professionals and high-net-worth retirees, the biggest risk isn’t market performance – it’s waiting too long to act. Required Minimum Distributions (RMDs) eventually force withdrawals whether you need the income or not. These government-forced withdrawals often push retirees into higher tax brackets later in life.

Let me ask you a question, is it better to address tax planning on a $500,000 to $1 million balance today or a $2 million to $4 million balance later? For many clients, correctly and proactively implemented Roth conversion strategies have proven to be a powerful solution. Imagine removing your income and your assets from the tax system!

Across hundreds of client engagements, the consistent message is that those who act earlier are almost always better positioned. Those who wait don’t realize the true tax cost increase incurred by waiting. Tax planning is most effective when done ideally prior or during the transition from accumulation to distribution – not after the RMDs begin.

 Time, flexibility and legislative uncertainty also matter. While no one can predict the future, acting during known tax conditions provides more control and more predictable outcomes.

 We are incredibly proud of the impact our team has made for both for new clients and long-standing relationships. Here’s a snapshot of what we’ve accomplished:

• Over $35 million in total taxes saved, up from approximately $27 million in 2024.
• Average tax savings of $184,000 per client.
• 72% of clients completed Roth conversions of $200,000 or more, often with little to no added tax due with tax deduction strategies.

These results are not driven by products or one-size-fits-all solutions. They come from education, planning and a disciplined process that’s tailored to each client’s situation. To ensure quality and outcomes, we intentionally limit capacity and we only work with a manageable number of clients each month.

If you’re feeling that time has slipped away this year or if you’re unsure how recent tax changes impact your long-term outlook, now is the time to prepare for 2026. Many of the strategies we implement are capacity and timing sensitive. Early planning can provide more choice and flexibility of programs, translating into better results.

The most common regret we hear from clients is, “I wish I had started sooner.”  You don’t have to repeat this statement! The next step is to learn how our tax-saving strategies may apply to your specific situation. Many clients just like those reading this have already set their New Year’s resolution of saving taxes by proactively setting their Saving Tax Optimization Plan analysis in 2026!

We invite you to request your Saving Tax Optimization Plan (S.T.O.P.) analysis at TaxesSaved.com. This analysis helps identify strategic opportunities, timing considerations and potential tax-saving paths that are tailored to your goals.

To Request Your Saving Tax Optimization Plan (S.T.O.P.) Analysis

1. Visit TaxesSaved.com – Watch the insightful case study webinar that shares two impactful client case studies showing how to save thousands of dollars in taxes.
2. Request your S.T.O.P. Analysis – Saving Tax Optimization Plan tailored to your unique situation.
3. Select a Date and Time – Be specific! Choose a time so we can prepare for your tax-saving opportunities.
4. Show Up and Learn Your Tax Risk – We’ll walk you step-by-step through exactly what to do to reduce retirement taxes and keep more of your income.

It’s an honor to serve our clients and help them keep more, live more and leave more. We look forward to continuing this work in 2026 and beyond.

Wishing you and your family a wonderful holiday season.

Note: We serve retired, self-employed or high W-2 earners all over the Unites States. We have an efficient, supported process to meet online, as we have been doing for over 20 years. Our online meetings are private, the access is restricted and we never share our meeting link with anyone who’s not a part of the meeting.

Davis Oliver | Tax Strategist
Keep more, live more, leave more!
www.TaxesSaved.com