A SIMPLE TAX STRATEGY MOST PEOPLE MISS

Now is the perfect time.

Author

Brandon
July 31, 2025

There are only two tax systems:
One for the informed, one for everyone else.

Most investors ignore taxes until April.
Smart investors plan all year long.

Here’s one simple tip:
If you’re sitting on unrealized losses, you can sell, lock in the loss, and offset future gains. That’s called tax-loss harvesting.

Be sure if you re buy, to buy something the IRS does not deem “significantly identical”
Cause if you do, the loss will not count.

When I do this with stock options, I always chose a different strike and expiration date cause it makes it NOT “significantly identical” and it counts for the loss.

You can also:

  • Use Roth IRAs for tax free growth

  • Maximize HSA contributions for triple tax advantages

  • Invest in long term assets to lower your capital gains rate

You don’t need to become a tax pro. You just need to know the basics and have a strategy before year end.

Thanks for reading!

-Brandon

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