The CPA Financial Planner | December 2025

This month’s insights highlight how financial habits and planning priorities continue to evolve across generations. Differences in banking and payment preferences underscore a broader shift toward digital tools, while recent tax law changes are reshaping the higher education landscape for students, parents, and employers alike. These developments emphasize the importance of staying informed as policy changes influence borrowing, repayment strategies, and long-term financial decision-making.

December also brings a strong focus on purposeful planning before year-end. Charitable giving strategies—such as donating appreciated assets, utilizing donor-advised funds, or making qualified charitable distributions—can help align philanthropic goals with tax efficiency. For business owners, cash balance plans offer an opportunity to significantly boost retirement savings while managing taxable income. Together, these considerations encourage thoughtful reflection and proactive planning as the year closes and financial goals are set for the year ahead.

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