--- title: "Year-End Planning Under the OBBBA: What to Check for Clients Before December 31" --- [Skip to content](https://hmlanding.horsesmouth.com/year-end-planning-under-the-obbba-what-to-check-for-clients-before-december-31-11-16-26#main-content) ![Horsesmouth Logo](https://hmlanding.horsesmouth.com/hubfs/horsesmouth-public-logo.svg) Open main navigation Close main navigation ![stp-banner](https://hmlanding.horsesmouth.com/hs-fs/hubfs/Logos/stp-banner.png?width=291&height=89&name=stp-banner.png "stp-banner") ## Register Below to Join this Free Webinar! ## Year-End Planning Under the OBBBA: What to Check for Clients Before December 31 ## Monday, November 16 at 2:00 PM ET/11:00 AM PT [Register Now for this Free Webinar!](https://hmlanding.horsesmouth.com/year-end-planning-under-the-obbba-what-to-check-for-clients-before-december-31-11-16-26#signup) Ask clients how 2026 went and many will say “volatile.” Their statements tell a better story, with the S&P 500 up around 13% heading into year-end. The swings left losses to harvest, assets to convert and appreciated shares to give, often in the same portfolio. Sitting down with clients before December 31 can turn those swings into real tax savings. It’s also a year when OBBBA deductions can disappear fast. Several of them phase out as MAGI rises, and these phaseouts work like tax torpedoes: one bonus, capital gain or Roth conversion can shrink several deductions at once. Take a married couple at $505,000 of MAGI who convert $50,000 to a Roth. On top of the tax on the conversion, their SALT cap drops by $15,000. Join Debra Taylor, Chief Tax Strategist and Managing Partner with Carson Wealth Management, to learn: - Where the phaseouts sit for the senior deduction, the tips and overtime deductions and the SALT cap, and how to project MAGI against each one before a client acts - How to judge a Roth conversion on lifetime taxes and model it against the phaseouts and IRMAA - How to use this year’s lopsided market to harvest losses and rebalance out of concentrated winners at little tax cost - The December 31 deadlines for workplace plan deferrals, the new Roth catch-up rule for high earners, charitable gifts and equipment purchases Tax planning is one of the most valuable services you provide for clients. It’s also one of the most effective topics you can use to get in front of prospects and drive client acquisition in 2027. That’s the focus of Debra’s December 7 workshop, [2027 Tax Opportunities](https://www.horsesmouth.com/TaxOppVirtual). You’ll leave with a client presentation and handout that let you make tax planning your primary client acquisition method in 2027. Bring your questions for Debra’s live Q&A. Everyone who registers gets the replay. Presenter: Debra Taylor: Debbie Taylor is Horsesmouth’s Director of Practice Management and Chief Tax Strategist and Managing Partner with Carson Wealth Management. She was the principal and founder of Taylor Financial Group, LLC, a fullservice wealth management firm located in Franklin Lakes, NJ. Debra’s education and career has spanned many disciplines including legal and public accounting. She is the co-creator of Horsesmouth’s Savvy Tax Planning program and is often quoted in national publications. ![Debbie-Taylor-100x130](https://hmlanding.horsesmouth.com/hs-fs/hubfs/Debbie-Taylor-100x130.jpg?width=100&height=130&name=Debbie-Taylor-100x130.jpg "Debbie-Taylor-100x130") **FOR INSTANT SERVICE: Call 1-888-336-6884 ext. 1** [facebook-f icon](https://www.facebook.com/pages/Horsesmouth/189722531070643) [linkedin-in icon](https://www.linkedin.com/company/horsesmouth) --- 230 Park Avenue, 3rd Floor West, New York, NY 10169 Copyright © 2026, Horsesmouth