As the year comes to a close, it’s the perfect time to review your financial strategy and make the most of every opportunity to optimize your tax situation. In this episode of Retirement Made Easy, we’re diving into practical, actionable year-end tax planning tips to help you finish the year strong.

You’ll learn how tax-loss harvesting can save you money, when a Roth conversion might be a smart move, and how charitable giving, 529 plans, and IRA contributions could work in your favor. We’ll also cover key considerations for retirees and why taking a close look at where you stand for the year is so important. Take charge of your year-end planning today.

• [1:30] Submit a question at RetirementMadeEasyPodcast.com!
• [2:27] Can you take advantage of tax-loss harvesting?
• [4:41] Are you able to make any Roth conversions?
• [9:54] Charitable giving, 529 plans, and IRA contributions
• [12:30] Considerations for someone already retired
• [13:44] Where do you stand for the year?

• 3 Steps to Retirement Planning

• Email at: Gregg.gonzalez@lpl.com
• Podcast: https://RetirementMadeEasyPodcast.com
• Website: https://StLouisFinancialAdvisor.com
• Follow Gregg on LinkedIn
• Follow Gregg on Facebook
• Follow Gregg on YouTube

Subscribe to Retirement Made Easy
On Apple Podcasts, Spotify, Google Podcasts

Curious about the changes coming to IRAs and 401Ks in 2025? In this episode of Retirement Made Easy, we’re breaking down the latest updates to help you plan your retirement strategy. Learn about the new contribution limits for IRAs, Roth IRAs, and 401Ks, including special allowances for those aged 60–63. We’ll also cover updated income limits for Roth IRAs, automatic enrollment in 401Ks, and reduced penalties for missed required minimum distributions (RMDs) on inherited IRAs. Don’t miss this essential guide to staying ahead of the curve and making the most of your retirement savings!

• [2:24] Visit RetirementMadeEasyPodcast.com for FREE resources
• [3:00] IRA and Roth IRA contributions for 2025
• [4:32] Contribution limits for 401Ks
• [7:03] Income limits for Roth IRAs
• [8:41] Penalties for missed RMDs of inherited IRAs
• [16:28] More changes to come for 2025

• 3 Steps to Retirement Planning
• Visit RetirementMadeEasyPodcast.com for FREE resources

• Email at: Gregg.gonzalez@lpl.com
• Podcast: https://RetirementMadeEasyPodcast.com
• Website: https://StLouisFinancialAdvisor.com
• Follow Gregg on LinkedIn
• Follow Gregg on Facebook
• Follow Gregg on YouTube

Subscribe to Retirement Made Easy
On Apple Podcasts, Spotify, Google Podcasts

In this episode of the Retirement Made Easy Podcast, we dive deep into the 2025 Cost-of-Living Adjustment (COLA) for Social Security. We break down how the COLA works and what it means for your retirement planning.

With the 2025 COLA coming in at 2.5%, we explore how this adjustment could affect your benefits—whether you’re still working or already collecting Social Security. We also discuss the projected rise in Medicare Part B premiums and why it’s crucial to plan conservatively for future costs.

Tune in to discover how the COLA can be a powerful tool in your retirement strategy, while understanding the importance of not relying too heavily on it. If you’re planning for retirement, this episode is packed with essential insights to help you build a more secure financial future.

• [2:13] Check out our free resources at RetirementMadeEasyPodcast.com
• [3:18] How Social Security’s cost-of-living adjustment works
• [8:25] What type of COLA should we project for the future?
• [10:36] Expected future cost of Medicare Part B premiums
• [13:25] The COLA is incredibly powerful
• [17:40] Retirement is a journey—not a finish line
• [20:25] Plan conservatively and err on the side of caution

• 3 Steps to Retirement Planning
• Cost-of-Living Adjustment History
• Monthly Part B Premiums and Annual Percentage Increases
• Calculating Medicare Part B costs

• Email at: Gregg.gonzalez@lpl.com
• Podcast: https://RetirementMadeEasyPodcast.com
• Website: https://StLouisFinancialAdvisor.com
• Follow Gregg on LinkedIn
• Follow Gregg on Facebook
• Follow Gregg on YouTube

Subscribe to Retirement Made Easy
On Apple Podcasts, Spotify, Google Podcasts