{"id":67830,"date":"2023-02-01T14:17:54","date_gmt":"2023-02-01T08:47:54","guid":{"rendered":"https:\/\/www.the-next-tech.com\/?post_type=web-story&#038;p=67830"},"modified":"2023-02-01T14:22:56","modified_gmt":"2023-02-01T08:52:56","slug":"tax-planning-and-optimization-strategies","status":"publish","type":"web-story","link":"https:\/\/www.the-next-tech.com\/web-stories\/tax-planning-and-optimization-strategies\/","title":{"rendered":"Tax Planning and Optimization Strategies"},"content":{"rendered":"<p><html amp=\"\" lang=\"en\"><head><meta charSet=\"utf-8\"\/><meta name=\"viewport\" content=\"width=device-width,minimum-scale=1,initial-scale=1\"\/><script async=\"\" src=\"https:\/\/cdn.ampproject.org\/v0.js\"><\/script><script async=\"\" src=\"https:\/\/cdn.ampproject.org\/v0\/amp-story-1.0.js\" custom-element=\"amp-story\"><\/script><link href=\"https:\/\/fonts.googleapis.com\/css2?display=swap&amp;family=Montserrat%3Awght%40700\" rel=\"stylesheet\"\/>\n<style 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style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-feb5ab5e-e8ac-4adb-813a-b497d093a5b5\">\n<div style=\"position:absolute;width:100%;height:100.00001%;left:0%;top:0%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/img.freepik.com\/free-vector\/monthly-expense-planning-reminder-appointment-payment-deadline-worker-with-timetable-organizer-schedule-countdown-payday-vector-isolated-concept-metaphor-illustration_335657-4322.jpg?w=360&amp;t=st=1675236589~exp=1675237189~hmac=9b9097f69f97ab25e6016eb7a6c00413674b2aea379dd15003467390c84427f5\" alt=\"monthly-expense-planning-reminder-appointment-payment-deadline-worker-with-timetable-organizer-schedule-countdown-payday-vector-isolated-concept-metaphor-illustration_335657-4322.jpg\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:12.13592%;top:13.59223%;width:75%;height:27.34628%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.6472491909385114% 0.6472491909385114% 0.6472491909385114% 0.6472491909385114% \/ 1.183431952662722% 1.183431952662722% 1.183431952662722% 1.183431952662722%\" id=\"el-6c32fee7-8c72-435d-85bf-7c892ed809d1\">\n<h2 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.10760517799352852% 0;font-family:&quot;Montserrat&quot;,sans-serif;font-size:0.566343em;line-height:1.2;text-align:center;padding:0;color:#000000\"><span class=\"ez-toc-section\" id=\"Tax_Planning_and_Optimization_Strategies\"><\/span><span><span style=\"font-weight: 700; color: #5b5eca\">Tax Planning and Optimization Strategies<\/span><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"96d55723-7d72-40f3-a61f-07e44b117a63\" auto-advance-after=\"7s\"><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-81ea264e-fc36-42dc-b116-73133a3615d3\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":500,\"duration\":2000,\"easing\":\"cubic-bezier(0.4, 0.4, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-b33631a5-6880-42af-944c-def183d876c1\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":500,\"duration\":2000,\"easing\":\"cubic-bezier(0.4, 0.4, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#ffece3\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-df20d0af-95e0-4dbd-8970-c1611ce475bf\">\n<div class=\"fill\" style=\"will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:11.65049%;top:29.44984%;width:76.45631%;height:11.8123%;opacity:1\">\n<div id=\"anim-81ea264e-fc36-42dc-b116-73133a3615d3\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.6349206349206349% 0.6349206349206349% 0.6349206349206349% 0.6349206349206349% \/ 2.73972602739726% 2.73972602739726% 2.73972602739726% 2.73972602739726%\" id=\"el-bdb6d539-2754-4569-bc5e-9c1fb1984c3a\">\n<h2 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.09047619047619052% 0;font-family:&quot;Montserrat&quot;,sans-serif;font-size:0.485437em;line-height:1.2;text-align:center;padding:0;color:#000000\"><span class=\"ez-toc-section\" id=\"Understanding_Tax_Liabilities\"><\/span><span><span style=\"font-weight: 700; color: #ff3000\">Understanding Tax Liabilities&nbsp;<\/span><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:12.37864%;top:50.16181%;width:75.72816%;height:19.41748%;opacity:1\">\n<div id=\"anim-b33631a5-6880-42af-944c-def183d876c1\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.641025641025641% 0.641025641025641% 0.641025641025641% 0.641025641025641% \/ 1.6666666666666667% 1.6666666666666667% 1.6666666666666667% 1.6666666666666667%\" id=\"el-cb92b473-bd22-4fc8-b675-99df4ed1e9b9\">\n<h3 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.0761217948717951% 0;font-family:&quot;Montserrat&quot;,sans-serif;font-size:0.404531em;line-height:1.2;text-align:center;padding:0;color:#000000\"><span class=\"ez-toc-section\" id=\"Understanding_your_tax_liabilities_and_how_they_are_calculated_is_the_first_step_in_tax_planning\"><\/span><span><span style=\"font-weight: 700\">Understanding your tax liabilities and how they are calculated is the first step in tax planning.<\/span><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"2d236328-e9b4-46bb-826f-8607823582af\" auto-advance-after=\"7s\"><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-02549186-e5ec-4f32-aad2-a8393d76f489\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":200,\"duration\":1400,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-89e1984d-088f-4e22-acdf-449efd51024c\",\"keyframes\":{\"transform\":[\"translate3d(0px, 594.24366%, 0)\",\"translate3d(0px, 0px, 0)\"]},\"delay\":200,\"duration\":1400,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation 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style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-7f16c0d6-ebcf-400f-a781-88a2f92034e7\">\n<div class=\"fill\" style=\"will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:11.8932%;top:29.44984%;width:76.94175%;height:13.43042%;opacity:1\">\n<div id=\"anim-02549186-e5ec-4f32-aad2-a8393d76f489\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div id=\"anim-89e1984d-088f-4e22-acdf-449efd51024c\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(0px, 594.24366%, 0)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" id=\"el-4f34cee9-3bc6-417d-9323-05e8d39b1c97\">\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.6757097791798106% 0;font-family:&quot;Montserrat&quot;,sans-serif;font-size:0.582524em;line-height:1.1;text-align:center;padding:0;color:#000000\"><span><span style=\"font-weight: 700; color: #fff9ee\">Maximizing Deductions&nbsp;<\/span><\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:11.8932%;top:50%;width:76.21359%;height:29.93528%;opacity:1\">\n<div id=\"anim-0b2e4122-1ed9-4e61-a394-4bf84cb3c8fb\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div id=\"anim-820a629c-8f10-4494-a59c-69a15fb47db2\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(0px, 197.95793%, 0)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" id=\"el-6fc6bb17-7335-4a64-9aa1-df47b0329616\">\n<h3 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.06656050955414057% 0;font-family:&quot;Montserrat&quot;,sans-serif;font-size:0.355987em;line-height:1.2;text-align:center;padding:0;color:#000000\"><span class=\"ez-toc-section\" id=\"Identifying_and_maximizing_deductions_such_as_mortgage_interest_charitable_contributions_and_retirement_contributions_can_reduce_your_taxable_income\"><\/span><span><span style=\"font-weight: 700; color: #fff\">Identifying and maximizing deductions, such as mortgage interest, charitable contributions, and retirement contributions, can reduce your taxable income.<\/span><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"da02889d-d0ba-4b30-81f2-f8cbd912df71\" auto-advance-after=\"7s\"><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-a85ce46c-f11e-4319-935d-ad5a97c06307\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":200,\"duration\":1400,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-a1761383-b22c-4f2f-a147-417c3f39595d\",\"keyframes\":{\"transform\":[\"translate3d(0px, -322.54584%, 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class=\"page-fullbleed-area\" style=\"background-color:#fef9ef\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-7e4b6f15-36b1-45f4-a280-13e7ad9003da\">\n<div class=\"fill\" style=\"will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:12.62136%;top:27.83172%;width:74.51456%;height:16.66667%;opacity:1\">\n<div id=\"anim-a85ce46c-f11e-4319-935d-ad5a97c06307\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div id=\"anim-a1761383-b22c-4f2f-a147-417c3f39595d\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(0px, -322.54584%, 0)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" id=\"el-f92c7eac-ab28-4a8d-9524-b131b18524ec\">\n<h2 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:1.1413680781758961% 0;font-family:&quot;Montserrat&quot;,sans-serif;font-size:0.517799em;line-height:1;text-align:center;padding:0;color:#000000\"><span class=\"ez-toc-section\" id=\"Tax-Advantaged_Investment_Accounts\"><\/span><span><span style=\"font-weight: 700; color: #3a566e\">Tax-Advantaged Investment Accounts&nbsp;<\/span><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:12.62136%;top:52.26537%;width:75%;height:28.64078%;opacity:1\">\n<div id=\"anim-68f685dc-8db3-445c-b186-1efcfea4e01e\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div id=\"anim-d643bff8-3544-48bd-a03b-24dc9108ec9e\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(0px, -314.81479%, 0)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" id=\"el-d4e3bc9e-a685-4cbe-9aec-f0ba041b8350\">\n<h3 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:-0.5375404530744335% 0;font-family:&quot;Montserrat&quot;,sans-serif;font-size:0.355987em;line-height:1.37;text-align:center;padding:0;color:#000000\"><span class=\"ez-toc-section\" id=\"Investing_in_tax-advantaged_accounts_such_as_IRAs_and_401ks_can_reduce_your_taxable_income_and_provide_long-term_savings_benefits\"><\/span><span><span style=\"font-weight: 700\">Investing in tax-advantaged accounts, such as IRAs and 401(k)s, can reduce your taxable income and provide long-term savings benefits.<\/span><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"a16edfa1-db7c-45af-9907-bfcc42400016\" auto-advance-after=\"7s\"><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-0416dd88-37d3-407f-a1ce-4299f1b8418a\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":100,\"duration\":1000,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-7d0906e6-7604-42d2-b6a0-9f9ca6d17e6f\",\"keyframes\":{\"transform\":[\"translate3d(-115.55555%, 0px, 0)\",\"translate3d(0px, 0px, 0)\"]},\"delay\":100,\"duration\":1000,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-c8922076-d4eb-4208-987f-163d24da4e65\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":100,\"duration\":1000,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-9f11e5bf-3011-47f3-9dca-9007c899054e\",\"keyframes\":{\"transform\":[\"translate3d(-117.0418%, 0px, 0)\",\"translate3d(0px, 0px, 0)\"]},\"delay\":100,\"duration\":1000,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#211f1e\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-2a3cf9bf-c19f-458a-9e21-1d63497e6c2e\">\n<div class=\"fill\" style=\"will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:12.86408%;top:50.16181%;width:75.48544%;height:18.28479%;opacity:1\">\n<div id=\"anim-c8922076-d4eb-4208-987f-163d24da4e65\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div id=\"anim-9f11e5bf-3011-47f3-9dca-9007c899054e\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(-117.0418%, 0px, 0)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" id=\"el-73559c3f-385f-4e4f-b3ac-7ff01d45bf2e\">\n<h3 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:-0.2864951768488746% 0;font-family:&quot;Montserrat&quot;,sans-serif;font-size:0.355987em;line-height:1.3;text-align:center;padding:0;color:#000000\"><span class=\"ez-toc-section\" id=\"Selling_investments_at_a_loss_to_offset_gains_can_reduce_your_taxable_income_and_minimize_tax_liability\"><\/span><span><span style=\"font-weight: 700; color: #fff\">Selling investments at a loss to offset gains can reduce your taxable income and minimize tax liability.<\/span><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:11.8932%;top:27.34628%;width:76.45631%;height:13.75405%;opacity:1\">\n<div id=\"anim-0416dd88-37d3-407f-a1ce-4299f1b8418a\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div id=\"anim-7d0906e6-7604-42d2-b6a0-9f9ca6d17e6f\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(-115.55555%, 0px, 0)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" id=\"el-1785dfa7-7ac3-4cc2-957f-0ee6857f6282\">\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.10555555555555654% 0;font-family:&quot;Montserrat&quot;,sans-serif;font-size:0.566343em;line-height:1.2;text-align:center;padding:0;color:#000000\"><span><span style=\"font-weight: 700; color: #ffcc4a\">Tax-Loss Harvesting&nbsp;<\/span><\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"c86081cd-c107-4fad-b008-149fe40058b0\" auto-advance-after=\"7s\"><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-a4999125-0bf3-44c5-928e-684e66e7d4a4\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":500,\"duration\":1500,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-77506976-928c-4198-81d8-5a6e5aa2ad70\",\"keyframes\":{\"transform\":[\"translate3d(118.60466%, 0px, 0)\",\"translate3d(0px, 0px, 0)\"]},\"delay\":500,\"duration\":1500,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-6e640a69-59d5-4599-86bf-3072614e0622\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":200,\"duration\":1500,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-5ba3a808-6416-42fb-b8ed-a34a27cbd70d\",\"keyframes\":{\"transform\":[\"translate3d(116.82848%, 0px, 0)\",\"translate3d(0px, 0px, 0)\"]},\"delay\":200,\"duration\":1500,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#094228\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-1ba1cd5a-cf71-429a-a1f2-4fc6721ffd4f\">\n<div class=\"fill\" style=\"will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:13.34951%;top:23.94822%;width:73.05825%;height:12.62136%;opacity:1\">\n<div id=\"anim-a4999125-0bf3-44c5-928e-684e66e7d4a4\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div id=\"anim-77506976-928c-4198-81d8-5a6e5aa2ad70\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(118.60466%, 0px, 0)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" id=\"el-12d9bcec-5974-42ea-886c-5915b6bfbd86\">\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:1.2732558139534893% 0;font-family:&quot;Montserrat&quot;,sans-serif;font-size:0.566343em;line-height:1;text-align:center;padding:0;color:#000000\"><span><span style=\"font-weight: 700; color: #fff599\">Understanding Tax Brackets&nbsp;<\/span><\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:12.37864%;top:44.49838%;width:75%;height:27.50809%;opacity:1\">\n<div id=\"anim-6e640a69-59d5-4599-86bf-3072614e0622\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div id=\"anim-5ba3a808-6416-42fb-b8ed-a34a27cbd70d\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(116.82848%, 0px, 0)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" id=\"el-19a3f221-9c28-4b15-906c-38535bb9c85f\">\n<h3 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:-0.2883495145631068% 0;font-family:&quot;Montserrat&quot;,sans-serif;font-size:0.355987em;line-height:1.3;text-align:center;padding:0;color:#000000\"><span class=\"ez-toc-section\" id=\"_Understanding_the_different_tax_brackets_and_how_they_impact_your_tax_liability_can_help_you_make_informed_decisions_about_your_finances\"><\/span><span><span style=\"font-weight: 700; color: #fff\">&nbsp;Understanding the different tax brackets and how they impact your tax liability can help you make informed decisions about your finances.<\/span><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"c38ac18b-0e02-4232-bfb2-7f32bf5f9604\" auto-advance-after=\"7s\"><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-fb3be108-ce2e-49c0-9f8e-776ef27ec6b6\",\"keyframes\":[{\"transform\":\"scale(1)\",\"offset\":0},{\"transform\":\"scale(1.5)\",\"offset\":0.33},{\"transform\":\"scale(0.95)\",\"offset\":0.66},{\"transform\":\"scale(1)\",\"offset\":1}],\"delay\":0,\"duration\":1450,\"easing\":\"ease-in-out\",\"fill\":\"both\",\"iterations\":1}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-fdc6edd6-6fde-4d45-b66e-47c2e0f3da44\",\"keyframes\":[{\"transform\":\"scale(1)\",\"offset\":0},{\"transform\":\"scale(1.5)\",\"offset\":0.33},{\"transform\":\"scale(0.95)\",\"offset\":0.66},{\"transform\":\"scale(1)\",\"offset\":1}],\"delay\":0,\"duration\":1450,\"easing\":\"ease-in-out\",\"fill\":\"both\",\"iterations\":1}]<\/script><\/amp-story-animation><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#c9c7ca\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-ecae5ddd-f18d-43a8-9c45-221e73e0ecc7\">\n<div class=\"fill\" style=\"will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:11.40777%;top:30.58252%;width:77.18447%;height:13.75405%;opacity:1\">\n<div id=\"anim-fb3be108-ce2e-49c0-9f8e-776ef27ec6b6\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:scale(1)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0% 0% 0% 0% \/ 0% 0% 0% 0%\" id=\"el-c436d49c-7cae-4035-a97f-bec235db0459\">\n<h2 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.10455974842767395% 0;font-family:&quot;Montserrat&quot;,sans-serif;font-size:0.566343em;line-height:1.2;text-align:center;padding:0;color:#000000\"><span class=\"ez-toc-section\" id=\"Using_Tax_Credits\"><\/span><span><span style=\"font-weight: 700; color: #c16351\">Using Tax Credits&nbsp;<\/span><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:12.86408%;top:50%;width:74.27184%;height:25.72816%;opacity:1\">\n<div id=\"anim-fdc6edd6-6fde-4d45-b66e-47c2e0f3da44\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:scale(1)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.6535947712418301% 0.6535947712418301% 0.6535947712418301% 0.6535947712418301% \/ 1.257861635220126% 1.257861635220126% 1.257861635220126% 1.257861635220126%\" id=\"el-0017bf02-840d-4da9-80a2-3d182c21a892\">\n<h3 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.0683006535947717% 0;font-family:&quot;Montserrat&quot;,sans-serif;font-size:0.355987em;line-height:1.2;text-align:center;padding:0;color:#000000\"><span class=\"ez-toc-section\" id=\"Tax_credits_such_as_the_Child_Tax_Credit_or_the_Earned_Income_Tax_Credit_can_reduce_your_tax_liability_and_increase_your_refund\"><\/span><span><span style=\"font-weight: 700\">Tax credits, such as the Child Tax Credit or the Earned Income Tax Credit, can reduce your tax liability and increase your refund.<\/span><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"57282739-7fbd-4c55-a9e5-3731a145228c\" auto-advance-after=\"7s\"><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-0fa945e4-c16b-4a6f-845b-9586d6c7ac6d\",\"keyframes\":{\"transform\":[\"translate3d(-117.26385%, 0px, 0)\",\"translate3d(0px, 0px, 0)\"]},\"delay\":0,\"duration\":1500,\"easing\":\"cubic-bezier(0.4, 0.4, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-1a0bc076-f20c-48a9-a010-c41b26dc6e31\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":0,\"duration\":1500,\"easing\":\"cubic-bezier(0.4, 0.4, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-7d009bae-95c5-4576-be47-f2842a0e62d6\",\"keyframes\":{\"transform\":[\"scale(0.15)\",\"scale(1)\"]},\"delay\":0,\"duration\":1500,\"easing\":\"cubic-bezier(0.4, 0.4, 0.0, 1)\",\"fill\":\"forwards\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-b4b62fe1-a309-44b5-968e-74a66e0c0b77\",\"keyframes\":{\"transform\":[\"translate3d(-113.23076%, 0px, 0)\",\"translate3d(0px, 0px, 0)\"]},\"delay\":0,\"duration\":1500,\"easing\":\"cubic-bezier(0.4, 0.4, 0.0, 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class=\"ez-toc-section\" id=\"Understanding_Estate_Taxes\"><\/span><span><span style=\"font-weight: 700; color: #134f3c\">Understanding Estate Taxes&nbsp;<\/span><\/span><span class=\"ez-toc-section-end\"><\/span><\/h1>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:10.43689%;top:50.16181%;width:78.8835%;height:20.06472%;opacity:1\">\n<div id=\"anim-b4b62fe1-a309-44b5-968e-74a66e0c0b77\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(-113.23076%, 0px, 0)\">\n<div id=\"anim-0c657af6-273e-4bce-af08-6b96bc400112\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div id=\"anim-769e5ee7-d131-4a75-93d5-90d6228952eb\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:scale(0.15)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.6153846153846154% 0.6153846153846154% 0.6153846153846154% 0.6153846153846154% \/ 1.6129032258064515% 1.6129032258064515% 1.6129032258064515% 1.6129032258064515%\" id=\"el-69f9ec8a-b173-48a0-9aa6-3e25353e8342\">\n<h3 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.4027692307692305% 0;font-family:&quot;Montserrat&quot;,sans-serif;font-size:0.355987em;line-height:1.1;text-align:center;padding:0;color:#000000\"><span class=\"ez-toc-section\" id=\"Understanding_estate_taxes_and_how_they_impact_your_beneficiaries_can_help_you_make_informed_decisions_about_your_estate_planning\"><\/span><span><span style=\"font-weight: 700\">Understanding estate taxes and how they impact your beneficiaries can help you make informed decisions about your estate planning.<\/span><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"f94df09d-8427-4624-aac7-b89d011c1c7b\" auto-advance-after=\"7s\"><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-28d08df5-eed2-4650-a0dd-08568d84790b\",\"keyframes\":{\"transform\":[\"translate3d(117.04179%, 0px, 0)\",\"translate3d(0px, 0px, 0)\"]},\"delay\":0,\"duration\":1500,\"easing\":\"cubic-bezier(0.4, 0.4, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-a40aa95f-f0e5-4a25-8a95-d8ae7a83a94f\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":0,\"duration\":1500,\"easing\":\"cubic-bezier(0.4, 0.4, 0.0, 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style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-7675fe35-7726-472f-b75d-6304af563c56\">\n<div class=\"fill\" style=\"will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:11.65049%;top:29.12621%;width:75.48544%;height:12.62136%;opacity:1\">\n<div id=\"anim-28d08df5-eed2-4650-a0dd-08568d84790b\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(117.04179%, 0px, 0)\">\n<div id=\"anim-a40aa95f-f0e5-4a25-8a95-d8ae7a83a94f\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div id=\"anim-48b8da5a-dd00-457d-a9eb-baccfc033687\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:scale(0.15)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0% 0% 0% 0% \/ 0% 0% 0% 0%\" id=\"el-a3e3a323-fe21-43f0-985d-55e3169383ed\">\n<h2 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:1.2323151125401939% 0;font-family:&quot;Montserrat&quot;,sans-serif;font-size:0.566343em;line-height:1;text-align:center;padding:0;color:#000000\"><span class=\"ez-toc-section\" id=\"Planning_for_Retirement\"><\/span><span><span style=\"font-weight: 700; color: #a2f6fc\">Planning for Retirement&nbsp;<\/span><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:12.62136%;top:49.83819%;width:74.27184%;height:25.72816%;opacity:1\">\n<div id=\"anim-7ab3671d-6194-4176-9a39-6981a907173f\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(117.64707%, 0px, 0)\">\n<div id=\"anim-5b7e080d-7d7d-4a87-af55-cf8581d78a7c\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div id=\"anim-c688fac0-697a-4167-8a2a-c69fa9c6cde4\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:scale(0.15)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.6535947712418301% 0.6535947712418301% 0.6535947712418301% 0.6535947712418301% \/ 1.257861635220126% 1.257861635220126% 1.257861635220126% 1.257861635220126%\" id=\"el-18c1036e-ff5e-4cff-a6eb-7745424e153c\">\n<h3 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.0683006535947717% 0;font-family:&quot;Montserrat&quot;,sans-serif;font-size:0.355987em;line-height:1.2;text-align:center;padding:0;color:#000000\"><span class=\"ez-toc-section\" id=\"Planning_for_retirement_including_contributions_to_retirement_accounts_and_investing_in_annuities_can_help_lower_your_taxable_income_in_retirement\"><\/span><span><span style=\"font-weight: 700; color: #fff\">Planning for retirement, including contributions to retirement accounts and investing in annuities, can help lower your taxable income in retirement.<\/span><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><\/amp-story><\/body><\/html><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Staying informed about changes to the tax code and regulations can help you optimize your tax planning and ensure that you are making informed decisions about your 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