Final‑Quarter Tax Strategies for Savvy Filers > 자유게시판

When the holidays conclude and the calendar shifts to the last quarter, a lot of taxpayers rush to finish their filings before April 15.
It may seem that "last‑minute" leaves you with no time, yet a sharp plan lets you cut the tax bill, exploit deductions, and dodge expensive penalties.
Below are practical, pro‑grade tactics that can be executed in the final days of the tax year.
1. Verify Your Filing Status and Dependents
• Double‑check that you’re using the most advantageous filing status (married filing jointly vs. separately, head of household). A simple change can shave thousands off your liability.
• Verify that all dependents qualify under IRS rules, especially those born late in the year. A single dependent can unlock the complete Child Tax Credit or Additional Child Tax Credit.
2. Boost Contributions to Tax‑Deferred Accounts
• Traditional IRA: Under 50, you may still contribute up to the $6,500 ceiling (or $7,500 if 50+). A $1,000 contribution can lower taxable income.
• 401(k) or 403(b): If your workplace offers matching, add a catch‑up contribution before year‑end. Many plans allow an "after‑tax" contribution, which will be taxed later.
• Health Savings Account: If you’re enrolled in a high‑deductible plan, you can add to your HSA up to $7,750 for family or $3,850 for individual. The money stays tax‑free, deductible, and grows tax‑free.
3. Review and Harvest Capital Gains and 節税 商品 Losses
• Find long‑term investments that have dropped in worth. Liquidating them can offset gains from other assets or lower ordinary income with net loss deductions up to $3,000 each year.
• If you have a "wash sale" (selling at a loss and buying a replacement within 30 days), correct it to preserve the deduction.
4. Don’t Skip "Safe Harbor" Deductions
• {Medical Expenses: If your out‑of‑pocket costs exceed 7.5% of your adjusted gross income, you can deduct the excess. Keep receipts for anything from prescription meds to travel for treatment.|Medical Expenses: When out‑of‑pocket spending surpasses 7.5% of AGI, you may deduct the surplus. Store receipts for everything from prescriptions to treatment travel.|Medical Expenses: If your out‑of‑pocket bills go over 7.5% of AGI, you can claim the excess. Preserve receipts for any item from prescription meds to travel.|Medical Expenses: When your out‑of‑pocket costs exceed 7.5% of adjusted gross income, you may take the deduction