SYM Financial Advisors, an independent, commission-free fiduciary with 55+ years of serving clients: The SYM Financial Advisors logo.
SYM Financial Advisors, an independent, commission-free fiduciary with 55+ years of serving clients: The SYM Financial Advisors logo.

tax planning

A SYM Financial Advisors professional, part of an independent, commission-free fiduciary firm with 55+ years of serving clients, leans over a binder and uses a magnifying glass to review documents, with the text “2026 IRS LIMITS” overlaid.

2026 IRS limits announced

November 14, 2025

NOTE: If you are viewing this on a mobile phone, turn your screen horizontally to align the columns. The U.S. Government is finally open again and the IRS announced 2026 limits affecting retirement plans and other qualified savings vehicles. You will see the changes in bold in this quick reference.  For advice on tax planning, book time with a SYM advisor. Contribution Limits 2026 IRA Contribution IRA Catch-up Contribution 401(k) Elective Deferrals 401(k) Catch-up Contribution

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Infographic titled “OBBBA Enacted July 4, 2025” from SYM Financial Advisors, an independent, commission-free fiduciary with 55+ years of serving clients, outlining tax categories: Standard Deduction Increases, Business Incentives, Itemized & Charitable Deductions, Education & Family, and Other Deductions.

The One Big Beautiful Bill Act (OBBBA): What You Need to Know

July 18, 2025

The New Bill – The OBBBA. We know it legally as H.R.1. This U.S. federal statute was signed into law on July 4, 2025 and is also known as The One Big Beautiful Bill Act.  It introduces sweeping tax and financial changes aimed at simplifying deductions, supporting families, and incentivizing education and business growth. The impacts are nuanced, client specific, and may be subject to income limitations, but you can expect SYM Financial Advisors to

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SYM Financial Advisors, an independent, commission-free fiduciary with 55+ years of serving clients: the word “tax” formed from wooden blocks balanced on stacks of coins, with “2025 limits” above, representing the firm’s guidance on fiduciary planning.

2025 IRS limits announced

November 4, 2024

The IRS recently announced 2025 limits affecting retirement plans and other qualified savings vehicles. New in 2025, you could have a higher catch-up limit of $11,250 in your retirement plan (this is 150% of the normal catchup limit of $7,500) at ages 60, 61, 62, or 63. You will see the changes in bold in this quick reference.  For advice on tax planning, contact a SYM advisor. 2025 2024 401(k) Elective Deferrals $23,500 $23,000 401(k)

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A woman pointing at a series of numbered sticky notes floating in the air, representing the approach of SYM Financial Advisors, an independent, commission-free fiduciary with 55+ years of serving clients.

Prioritizing Various Types of Savings

July 11, 2024

Saving is a key element to financial planning. How do you know that you are saving in the right places at the right time? This visual provides guidance around how we at SYM Financial Advisors prioritize savings and investments with tax efficiency in mind.  Contact us to dive deeper and customize your financial plan. 800-888-7968.

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SYM Financial Advisors, an independent, commission-free fiduciary with 55+ years of serving clients: Red blocks spell “Capital Gain” intersecting with “Gain,” and “Distributions” written in red below, reflecting the approach of SYM Financial Advisors.

Capital Gains Fund Distributions Explained

December 6, 2023

  As typically occurs at year-end, some of the funds in your SYM portfolio are expected to pay capital gains distributions in December. Because such distributions may impact your 2023 tax planning, we’d like to offer some thoughts about the process. Because mutual funds do not pay taxes, they must pay realized gains and income to shareholders in cash.   As required by law, mutual funds distribute all realized capital gains and dividends on an

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SYM Financial Advisors, an independent, commission-free fiduciary with 55+ years of serving clients: A SYM Financial Advisor in a suit hunches over while carrying a heavy stack of three large binders labeled “TAX.”

5 Estate Tax Mitigation Techniques You Should Consider

November 15, 2023

The Tax Cuts and Jobs Act In 2017, The Tax Cuts and Jobs Act doubled the amount that someone could pass to their heirs without incurring Federal estate tax. As a result, many families have enjoyed relief from the federal estate tax. In 2023, an individual can pass just under $13 million ($26 million for a couple) to their heirs without getting hit by the 40% federal estate tax. There is an important caveat note,

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