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2025 Year-End Tax Planning
For Individuals
What tax planning approaches can individuals consider to help identify savings opportunities, address potential risks, and adapt to changes in the tax landscape?
With the passing of the One Big Beautiful Bill Act (OBBBA), the Federal Reserve cutting interest rates, and inflation showing signs of moderating, tax planning remains as important as ever for taxpayers seeking to manage cash flows and reduce their tax liabilities over time.
As we approach the end of the year, now is the time for individuals, business owners, and family offices to review their 2025 and 2026 tax situations and identify opportunities for reducing, deferring, or accelerating their tax obligations. Download the guide and make informed decisions as you close out 2025 and prepare for the year ahead.
The information contained within this guide is based on information as of November 13, 2025. Taxpayers should consult with a trusted advisor when making tax and financial decisions regarding any of the items in this piece.
2025 Year-End Tax Planning
For Small Businesses
Navigate Disruption. Unlock Opportunity. Thrive in a Changing Tax Landscape.
Businesses face unprecedented complexity as legislative changes, shifting economic conditions, and technological advancements reshape the tax landscape for organizations of all sizes. The One Big Beautiful Bill Act (OBBBA) brings both new opportunities and risks, making proactive planning and compliance essential.
Our 2025 Year-End Tax Planning Guide offers actionable strategies to help you unlock savings, mitigate risks, and manage your long-term total tax liability and cash flow. Our guide supports informed decision-making as you close out 2025 and prepare for 2026.
Please contact your GDS tax professional to address your specific circumstances prior to making tax and financial decisions regarding any of the items in this piece.
Secure 2.0 Act of 2022
Introduces Key Changes for
Workplace Retirement Plans
The Consolidated Appropriations Act, 2023 (Public Law No. 117-328) that was signed into law on December 29, 2022 by President Joe Biden includes the SECURE 2.0 Act of 2022, which introduces over 90 changes to the federal rules governing workplace retirement plans.
This landmark legislation builds on the original SECURE Act that was enacted on December 19, 2019, and aims to expand coverage and increase retirement savings while simplifying and clarifying retirement plan rules.
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