2025 Tax Year Analysis

How Many Tax Strategies Did Your Accountant Miss in 2025?

There were 42 proven tax-saving strategies available for the 2025 tax year. Most business owners only used a fraction of them. Find out what you missed — and how much it could be costing you.

Strategies

How This Works

Review each tax strategy below. Check the ones your accountant or tax professional never discussed with you for the 2025 tax year.

STEP 01

Check What Was Missed

Review 42 strategies across 8 categories and check the ones your tax pro never mentioned.

STEP 02

See Your Score

Get an instant assessment of how many deductions and credits you may have left on the table.

STEP 03

Get a Second Opinion

If the number shocks you, schedule a free strategy session with our team.

Interactive Assessment

Check Every Strategy Your Tax Pro Missed

Go through each category and check the strategies that were never discussed with you. Be honest — the results might surprise you.

Section 199A / QBI Deduction

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Harvest Capital Losses to Boost QBISell investments at a loss to offset capital gains, reducing taxable income and potentially increasing your Section 199A deduction.

Charitable Contributions for QBIDonate to charities to increase itemized deductions, lowering taxable income to enhance your Section 199A deduction.

Buy & Expense Business AssetsPurchase and fully expense business assets before year-end to reduce taxable income and qualify for or increase your Section 199A deduction.

Marriage, Kids & Family

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Put Your Children on PayrollHire children under 18 and pay W-2 wages for legitimate business work to receive a tax deduction and potentially avoid payroll taxes.

Fund Your Child's IRAYour child can contribute earned income to a traditional or Roth IRA, saving for retirement and potentially reducing taxable income.

Strategic Divorce TimingFinalizing a divorce after December 31 allows filing a joint return for the entire year, often resulting in lower taxes.

Stay Single for Mortgage DeductionsTwo single co-owners can deduct mortgage interest on significantly more debt than a married couple filing jointly.

Year-End Marriage for Tax SavingsGetting married by December 31 means you're married for the entire tax year, potentially unlocking joint-filing savings.

Gift Stock to Lower-Bracket FamilyGift appreciated stock to relatives in lower tax brackets who can sell and pay little to no capital gains tax.

Medical Plan Strategies

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Section 105 HRA ReimbursementReimburse medical expenses from a Section 105 HRA before year-end to claim deductions for the current year.

QSEHRA for Small EmployersReimburse employees for health expenses through a Qualified Small Employer HRA before year-end.

ICHRA ReimbursementUse an Individual Coverage HRA to reimburse employees for individual health insurance premiums and medical costs.

S Corp Health Insurance DeductionEnsure the S corporation pays for owner health insurance and includes it on the W-2 for an above-the-line deduction.

Health Insurance Tax CreditClaim a tax credit for providing group health insurance to employees, especially valuable for small employers.

Stock Portfolio Strategies

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Offset Gains with Losses ProperlySell stocks to offset high-tax short-term gains with lower-tax long-term losses for maximum benefit.

Use Long-Term Losses StrategicallyUse long-term capital losses to create a $3,000 deduction against ordinary income each year.

Avoid the Wash-Sale RuleDon't buy substantially identical stock within 30 days before or after selling at a loss, or you lose the deduction.

Gift Stock to Lower BracketsGift appreciated stock to family members in lower tax brackets who can sell and pay less capital gains tax.

Donate Appreciated Stock to CharityDonate appreciated stock to charity for a full market value deduction while avoiding capital gains tax entirely.

Sell Losses, Then Donate CashSell stock at a loss to claim the deduction, then donate the cash proceeds to charity for a double tax benefit.

Vehicle Tax Deductions

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Sell Old Business Vehicle at a LossSell a former business vehicle now used personally to claim a tax-deductible loss based on its business use percentage.

Vehicle Buy-and-Sell StrategyFor sole proprietors, trading in a business vehicle triggers a sale, and the replacement allows for new depreciation deductions.

Unlock Pre-2018 Trade-In LossesSelling a business vehicle acquired through pre-2018 trade-ins can unlock significant accumulated tax loss deductions.

Deduct Loss on Post-2017 VehiclesA business vehicle bought after 2017 with high usage and minimal depreciation can be sold to generate a substantial tax loss.

Convert Personal Vehicle for Bonus DepreciationConvert a personal vehicle to business use and potentially deduct up to 100% of its value using bonus depreciation.

Cryptocurrency Strategies

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Tax-Gain Harvesting for CryptoSell appreciated crypto to realize gains, then repurchase to establish a higher cost basis and reduce future capital gains.

Harvest Crypto LossesSell losing crypto investments to realize capital losses that offset gains and up to $3,000 of ordinary income.

Donate Crypto to CharityDonate appreciated cryptocurrency to a qualified charity for a fair market value deduction while avoiding capital gains tax.

Gift Crypto Tax-FreeGift cryptocurrency to others up to the annual exclusion amount to transfer assets without incurring gift tax.

Self-Directed IRA for CryptoPurchase cryptocurrency within a self-directed IRA to defer or eliminate taxes on investment gains.

Solo 401(k) for CryptoSelf-employed individuals can use a solo 401(k) to invest in cryptocurrency with higher contribution limits than an IRA.

Retirement Plan Deductions

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Establish a 2025 Retirement PlanSet up a retirement plan before year-end to make tax-deductible employee and employer contributions.

Claim Start-Up Tax CreditClaim a tax credit of up to $15,000 for the costs of starting a new qualified retirement plan.

Small Employer Pension CreditClaim a tax credit for employer contributions to employee retirement plans, up to $1,000 per employee.

Automatic-Enrollment CreditClaim a $500 annual tax credit for three years for including automatic enrollment in a qualified employer plan.

Convert to a Roth IRAConvert a traditional 401(k) or IRA to a Roth IRA for tax-free qualified withdrawals in the future.

General Business Deductions

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Prepay Expenses (IRS Safe Harbor)Prepay and deduct qualifying business expenses up to 12 months in advance using the IRS safe harbor rule.

Defer Income by Stopping BillingDelay billing customers to defer income recognition to the next tax year, reducing current year liability.

Buy & Expense Office EquipmentDeduct the full cost of new or used office equipment using bonus depreciation or Section 179 expensing.

Use Credit Cards StrategicallyThe date of a credit card charge determines the deduction date — charge expenses before year-end for current year deductions.

Claim All Rightful Deductions (NOL)Claim all legitimate deductions even if they result in a Net Operating Loss — NOLs can offset future income.

Qualified Improvement Property (QIP)Improvements to interior non-residential buildings can be immediately deducted or depreciated over 15 years.

Stop Leaving Money on the Table. Get Proactive Tax Planning.

At Advantage Tax and Business Advisory, we don't just record history — we help you write it. Schedule a strategy session and discover what proactive tax planning looks like.