{"id":174062,"date":"2026-03-01T17:41:09","date_gmt":"2026-03-01T17:41:09","guid":{"rendered":"https:\/\/www.newsbeep.com\/us-fl\/174062\/"},"modified":"2026-03-01T17:41:09","modified_gmt":"2026-03-01T17:41:09","slug":"smart-tax-moves-to-consider-before-april-and-for-2026","status":"publish","type":"post","link":"https:\/\/www.newsbeep.com\/us-fl\/174062\/","title":{"rendered":"Smart Tax Moves To Consider Before April and For 2026"},"content":{"rendered":"

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As April approaches, it\u2019s easy to think about taxes as a once-a-year chore. But the biggest tax savings usually come from decisions made throughout the year, especially around retirement contributions, investment strategy, and charitable giving.<\/p>\n

Here are a few planning moves worth reviewing now:<\/p>\n

1. Maximize retirement contributions where you can<\/p>\n

Contributing to an IRA may reduce taxable income, depending on your situation. If you\u2019re eligible, adding even a little more before April 15th can compound into meaningful long-term savings.<\/p>\n

2. Review charitable giving for tax efficiency<\/p>\n

If you already give regularly to charity, there may be a more tax-efficient way to do it. \u201cBunching\u201d donations into one year, donating appreciated securities instead of cash, or using a donor-advised fund can sometimes help, especially if you itemize.<\/p>\n

3. Don\u2019t ignore HSA opportunities<\/p>\n

If you\u2019re eligible for a Health Savings Account, it can be one of the most tax-advantaged tools available (contributions may be deductible, growth can be tax-free, and qualified withdrawals are tax-free). Many people underuse it \u2013 don\u2019t make the same mistake.<\/p>\n

4. Be mindful of investment taxes<\/p>\n

Taxes don\u2019t just show up on your return: they show up in your portfolio. Asset location (which investments go in which accounts), tax-loss harvesting, and managing capital gains can reduce tax drag over time.<\/p>\n

5. Plan for life changes<\/p>\n

Marriage, a new baby, selling a home, retiring, starting a business \u2013 these can all shift your tax picture. Planning ahead often creates better options than scrambling later. Want a tax-smart second opinion? We\u2019re happy to review your financial plan and investment strategy, then coordinate with your CPA to help ensure you\u2019re not missing opportunities.<\/p>\n

Professional Guidance Makes the Difference<\/p>\n

Schedule a no obligation consultation with one of our 17 CERTIFIED FINANCIAL PLANNER\u00ae professionals can help you avoid pitfalls, stay accountable, and navigate the complex financial landscape. For over 40 years, Certified Financial Group<\/a> has helped Central Florida families build financial clarity and confidence. Contact us to schedule your comprehensive financial review and take control of your financial future. Whether you need help getting to or through retirement, we\u2019re here to start Planning Tomorrow\u2026Today!\u00ae<\/p>\n

Contact Us:<\/p>\n

407-869-9800<\/p>\n

Plan@FinancialGroup.com<\/a><\/p>\n

FinancialGroup.com<\/a><\/p>\n

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Disclosures: Certified Financial Planner Board of Standards Inc. owns the certification mark Certified Financial Planner\u00ae and CFP\u00ae. Financial planning and investment management offered for a fee through Certified Advisory Corp, a registered investment advisor. The information contained in this article is not written or intended as financial, tax, legal or accounting advice. This material has been prepared for educational purposes only. Neither rankings and\/or recognition by unaffiliated rating services and\/or publications, nor the achievement of any designation or certification, should be construed by a client or prospective client as a guarantee that he\/she will experience a certain level of results if CFG, is engaged, or continues to be engaged, to provide investment advisory services. A full list of our disclosures can be found at www.financialgroup.com\/disclosures and www.financialgroup.com\/awards<\/p>\n","protected":false},"excerpt":{"rendered":"As April approaches, it\u2019s easy to think about taxes as a once-a-year chore. But the biggest tax savings…\n","protected":false},"author":2,"featured_media":174063,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[11],"tags":[139,141,140],"class_list":["post-174062","post","type-post","status-publish","format-standard","has-post-thumbnail","category-orlando","tag-orlando","tag-orlando-headlines","tag-orlando-news"],"_links":{"self":[{"href":"https:\/\/www.newsbeep.com\/us-fl\/wp-json\/wp\/v2\/posts\/174062","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.newsbeep.com\/us-fl\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.newsbeep.com\/us-fl\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/us-fl\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/us-fl\/wp-json\/wp\/v2\/comments?post=174062"}],"version-history":[{"count":0,"href":"https:\/\/www.newsbeep.com\/us-fl\/wp-json\/wp\/v2\/posts\/174062\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/us-fl\/wp-json\/wp\/v2\/media\/174063"}],"wp:attachment":[{"href":"https:\/\/www.newsbeep.com\/us-fl\/wp-json\/wp\/v2\/media?parent=174062"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.newsbeep.com\/us-fl\/wp-json\/wp\/v2\/categories?post=174062"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.newsbeep.com\/us-fl\/wp-json\/wp\/v2\/tags?post=174062"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}