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Tax Questions Worth Asking Before Year-EndHere are several tax questions to ask yourself as we approach the last few months of 2026. The answers could uncover a problem - or an opportunity - while there's still time to do something about it.
Tax-Loss HarvestingIf investments you sold in 2026 lost money, you may find some solace in the IRS tax code. You can deduct certain losses from your taxable income — a practice known as tax-loss harvesting — if you understand the rules.
Higher SALT Cap May Change Your Filing StrategyNew limits for 2026 could open the door to bigger tax savings.
Rethinking Your Emergency FundCar repair? Medical bill? Job loss? While you can't predict every financial surprise, a few changes to how you save could help you be ready for all of them.
Life Insurance as a GiftDuring this season of giving, you may want to donate more to your favorite charity but lack the funds to do so. SERVICES
RECENT E-NEWSLETTERS
OCTOBER 2026 Q & AQ: What is a SALT deduction? A: The SALT deduction allows taxpayers who itemize deductions to subtract state and local taxes (SALT) from their federal taxable income. This includes property taxes, state income taxes (or sales taxes if you elect that option), and certain other local taxes.
Understanding Long-Term Capital Gains RatesIn 2026, a married couple filing jointly has $80,000 in taxable ordinary income (after deductions) and $30,000 in qualified dividends and long-term capital gains, for a total of $110,000. The 0% capital gains rate cutoff is $98,900. $18,900 ($98,900-$80,000) of the gain is taxed at 0%. The remaining $11,100 of gains is taxed at 15%. Ace Enrollment as an EmployerAs open enrollment approaches, clear communication helps employees make informed decisions and increases engagement with your benefits package. Highlight the Value Regularly remind employees that benefits often make up 20–40% of total compensation. Sharing this information helps attract and retain top talent by demonstrating the full value of their compensation package. Use Multiple Channels Use mobile apps and digital tools for younger workers, and print materials and in-person sessions for others. Consistent, multi-channel outreach ensures broader reach during the critical period. Keep It Simple and Supportive Provide easy-to-access resources — hotlines, HR support, or FAQs. Effective communication during open enrollment turns a routine process into a powerful retention tool.
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