The CPA Financial Planner | November 2025

This month’s insights explore how generational perspectives continue to shape retirement planning, with younger investors increasingly favoring Roth IRAs for their long-term tax benefits, while older savers often prioritize the immediate deductions of traditional accounts. These differences highlight how future income expectations and tax rate changes influence the choice between pre-tax and after-tax savings strategies, emphasizing the importance of aligning retirement decisions with evolving financial goals.

Attention also turns to family and year-end planning. The growing “sandwich generation” faces the dual challenge of supporting children and aging parents, underscoring the need for balance, communication, and financial discipline. As 2025 draws to a close, readers are reminded to review tax-saving opportunities—such as maximizing contributions, managing gains and losses, and verifying beneficiary designations—to finish the year financially strong and prepared for the future.

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