Sage Investment Advisers LLC’s Post

🧮 Tax planning is a crucial aspect of financial management. It involves strategising and organising your finances to minimise tax liabilities and maximise savings. With effective tax planning, individuals and businesses can take advantage of various deductions, credits, and exemptions offered by the tax laws. It is essential to stay updated with the latest tax regulations and seek professional advice to ensure compliance and optimise your tax position. #TaxPlanning #FinancialManagement We can chat over Microsoft Teams, over the phone or in-person ➡️ https://buff.ly/3QPGxTN Other ways to get in touch 👇 📲 Send us a message ☎️ 01633 987 070 ✉️ info@themoneypartnership.com 💬 078 907 48126 🤝 The Money Partnership . . . . . . . #pension #growwealth #retirement #financialplanning #money #investment #finance #retirementplanning #mortgageadvisornearme #pensions #financialhealthcheck #growmoney #insurance #savings #mortgageadvice #investing #build #grow #ukinvestment #economy #investments #financialfreedom #freedom #moneyadvice #wealth #personalfinance #taxplanning #business

Ready to turbocharge your wealth-building journey while you’re young? It’s not just about earning—it’s about smart managing. Dive into our latest reel where we reveal game-changing money habits that can transform your financial future.  Want personalised guidance? Book a FREE consultation with our experts today and Let’s make your financial goals a reality.  Tap the link in bio #tax #taxexpert #taxplanner #CPA #newyork #newjersy #taxhacks #Standarddeduction #retirement #taxsavings #trending #USA #america

Municipal bonds! Tax-free! We see so many people who own or are looking to acquire tax-free bonds. In most cases, it makes very little sense. Why? What is your actual after-tax yield? If you are in an effective 22% tax bracket, it makes no sense. However, if you are in a 37% tax bracket, it may make sense for some issues but not all. Understand what you’re buying. CDs are fully taxable on federal and state levels, while treasuries are federally taxable only. What is your tax bracket (marginal)? What is your true after-tax return from Munis vs. treasuries vs. CDs? Choose the one that leaves the most in your pocket. Don’t buy tax-free just because it’s “TAX FREE!!” Most Muni’s are even insured, so you understand what you’re giving up, which is picking up possible pennies in extra yield. Understand thoroughly what you’re investing in. Or- you can sit with us at no cost, and we’ll set you straight. #Retirementplanninggurus #retirementplanner #retirement #retirementplanning #retirementplan #retirementtips #invest #investing #bonds #municialbonds #investment #investmentadvice #investmenttips #investmenthelp #stockmarket #stockmarkettips #investmentadvisor #investmenadvisors #finance #financialhelp #financialadvice #financialtips #financetips #financialadvisor #financialadvisors #hudsonvalley #hudsonvalleyny #taxfree #taxfreebonds

Only a few months left until 2024 - here is your year end personal finance check: ✅ Capital Gains review Good year for the stock market means people made some money, and you may have some capital gains to pay taxes on Look to offset these with any losses on your investments too Still holding that position that tanked in 2022? Sell it to save some taxes ✅Review Retirement Accounts If you can, be sure to max out your contributions, there is a reason they limit how much you can put in... As well, make sure these accounts are fully invested Most of the time it does not make sense to hold a lot of cash in a retirement account ✅ Tax Planning Review If your income is lower than normal this year, you may have an opportunity to do some long term tax planning Things like roth conversions and strategic taxable withdrawals in the right year can make a big impact on your lifelong tax bill Take advantage of these windows when the come up What else would you add? Feel free to reach out to us directly with questions #money #management #personalfinance

Tax Efficient Funnels - This financial tool is key for managing your taxable and tax-deferred accounts, and it all starts with understanding how your contributions work. Think of your accounts as a funnel. Money goes in at the top - for taxable accounts like brokerage accounts, bank accounts, and real estate, these are after-tax dollars. As it travels through the funnel and grows, those gains may also be taxable. For tax-deferred accounts (like 401ks, 403Bs, IRAs, and pensions), the funds entering the funnel are pre-tax dollars. When these funds are distributed, they are taxed as income, at your current tax rate. Now, here's a golden nugget of wisdom: If you're currently in a higher tax bracket and you expect to be in a lower one in retirement, tax-deferred accounts are your best friend. So start planning now for your future! Mastering this knowledge means not just understanding your money, but making it work for you in the most efficient way possible. #InvestingTips #FinancialFreedom #WealthBuilding #TaxEfficientFunnels #FinancialPlanning #TaxDeferredAccounts #TaxableAccounts #WealthManagement #RetirementPlanning

Tax Efficient Funnels - This financial tool is key for managing your taxable and tax-deferred accounts, and it all starts with understanding how your contributions work. Think of your accounts as a funnel. Money goes in at the top - for taxable accounts like brokerage accounts, bank accounts, and real estate, these are after-tax dollars. As it travels through the funnel and grows, those gains may also be taxable. For tax-deferred accounts (like 401ks, 403Bs, IRAs, and pensions), the funds entering the funnel are pre-tax dollars. When these funds are distributed, they are taxed as income, at your current tax rate. Now, here's a golden nugget of wisdom: If you're currently in a higher tax bracket and you expect to be in a lower one in retirement, tax-deferred accounts are your best friend. So start planning now for your future! Mastering this knowledge means not just understanding your money, but making it work for you in the most efficient way possible. #InvestingTips #FinancialFreedom #WealthBuilding #TaxEfficientFunnels #FinancialPlanning #TaxDeferredAccounts #TaxableAccounts #WealthManagement #RetirementPlanning

We know that taxes aren't the most exciting topic in the world. Here are 3 things you can be doing right now as a business owner to make your money more tax efficient. To chat with us about your taxes, click on the link in the comments 👇 #financialplanning #financialadvice #finance #retirement #retiring #businessowners #money #retirementplanning

Elevate your routine! These three wellness habits are your secret weapons for a stress-free life! 🌿🌟 📌Need help with your taxes? Don't worry, we're here for you. Just click the link in our bio and we will reach out to get you started no matter your location in the U.S.! #TeamXNE #financialfreedom #taxes #taxpreparer #taxrefund #taxreturn #taxplanning #finance #budget #financialplanning #debt #credit #investment #savings #retirement #buildwealth

How can you be a better version of yourself going into the new month? Even though this post is financially inclined, it applies to all aspects of life. #theinvestorsgym #financialiteracy #financialknowledge #financialadvisor #wealthmanagement #portfoliomanagement #401k #rothira #ira #taxes #taxfree #retirement #savingmoney #growyourwealth #employers #contribution #rollover #invest #liquidity #diversification #management #transactions #costefficient #secure #taxbenefits #highreturns #letstalk Questions? Please comment👇 or message us 📩 or book a free consultation (link in bio)

Smart Investment Moves for Small Business Owners: Minimizing Taxes, Maximizing Returns 💰📈  Did you know you can boost your financial strategy with retirement accounts like IRAs or Solo 401(k)s? 💼💡 By deferring taxes on investment gains and enjoying tax-deductible contributions, you're reducing taxable income today while securing your future. Plus, with tax-deferred growth, your investments can flourish without annual tax burdens. When it's time to withdraw in retirement, you may even land in a lower tax bracket. Plan wise, thrive better!  For more information on our tax and accounting services, follow this link: https://lnkd.in/gYFzpFAm #SmallBusiness #FinanceTips #RetirementPlanning #TaxSmartInvesting 💰