Oct 16 – Dec 31 · Planning Season
2026 Year-End Planning Summary
~$23K–$27K of federal tax addressed across a large retirement deferral and a Q4 estimate, with a QBI/SSTB question to confirm.
Each move as a range, stepping down from the current-path liability.
Fund a SEP-IRA or solo 401(k) in the peak year
Q4 estimated payment for the income jump
Addressed by the plan
2 of 2 quantified
Time-sensitive moves before December 31.
Multi-year planning to revisit beyond this season.
Items to resolve before the client conversation.
Above the single-filer SSTB phase-out, a service business gets no §199A deduction — which raises the value of the retirement deferral. Confirming the classification frames the rest of the plan.
Elan
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