With the end of the year upon us, now is the time to make final money moves. Personal finance guru Humphrey Yang knows just what his audience should be doing to finish the year strong financially. He recently shared the “3 Financial Moves You Should Make Before 2026 Hits” with his 3.4 million TikTok followers. Read More: I’m a Financial Advisor: My Wealthiest Clients All Do These 3 Things Find Out: 6 Low-Risk Ways To Build Your Savings in 2025 Here are his tips for helping your money end the year on a hig ...

Why now? There are a few specific reasons to consider daily covered call ETFs to close out 2025. Declining Short Term Interest Rates from Fed Rate Cuts Falling interest rates have some important implications for portfolios. While they can provide some helpful stimulus to the macro economy, for investors, falling rates can also throw a wrench in their fixed income plans. Declining short term interest rates can alter how investors' debt securities perform, requiring other sources of income to step in. Investo ...

年度税务规划背景与重要性 - 富裕人群正积极为2026年的财务繁荣进行税务规划，而税务规划并非仅适用于富裕人群，任何有投资或退休计划的人士都应考虑[1][2] - 对于精明的投资者而言，年底是优化税后回报的关键时刻，这对于进入2026年尤为重要，因为相关法案延长了对高税率人群最有利的税收条款[3] - 高收入者主动进行年终税务规划可优化其2025年的税负，带来显著的税收节省并为未来几年做好最优定位[4] 税务亏损收割策略 - 税务亏损收割策略涉及以亏损出售投资以抵消资本利得，这是影响2025纳税年度的最后机会[4] - 为明年做准备，建议建立自动化程序以每日进行亏损收割，高税率州的高收入纳税人通过自动化每日税务亏损收割可将累计税后回报提高20%至30%[4] - 亏损可以结转以抵消未来收益，或利用过去的亏损抵消本年收益，公司需要在年底前了解这些盈亏情况以调整投资组合[5] 退休及健康储蓄账户优化 - 无论财富水平如何，工作者都应最大化其401(k)、IRA、健康储蓄账户及其他税前账户的供款[6] - 2025年401(k)的员工供款上限为23,500美元（50岁以上者可额外追加7,500美元），IRA的供款上限为7,000美元[6] 罗斯账户转换策略 - 专家建议使用罗斯转换以实现免税增长，且退休后无强制最低取款要求[7] - 作为绕过直接收入限制的高级策略，高收入者应考虑“后门罗斯”策略：先将资金转入传统IRA，随后转换为罗斯IRA[7]