Not All Sunsets Are Beautiful – Tax Cuts & Jobs Act 2026 Expiration – Finger Financial Five #168

“Every silver lining has a touch of grey.” -Grateful Dead

When I was a kid, I was fishing on the banks of the Little Pee Dee River. I heard this loud roar and could not figure out what it was. Then I saw the rain pouring on the other side of the river and coming my way. It was almost like the cartoons where it’s storming in Georgia and the sunshine starts at the Florida state line. 

The 2018 Tax Cuts and Jobs Act is set to expire at the end of 2025. See the Individual Income Tax Rates below:

Source: https://www.law.cornell.edu/uscode/text/26/1

As you can see, the rates go up for the current 12%, 22%, 24%, and 32% brackets. 

You may want to take advantage of Roth conversions if you are in a lower income bracket today. That means moving money from a pretax IRA account today and paying taxes at today’s (presumably) lower rate. 

For example, let’s say a married couple is filing jointly in the 22% bracket in 2024. They move $30,000 from their pretax IRA into their Roth IRA and pay 22% Federal income tax. They avoid paying the future 25% income tax.*

Obviously, check with your CPA before you make any decisions. 

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If you need help on knowing your next best step, email us at [email protected].

Hope all is well with you and your family,


Finger Financial Five – 5 points in 5 minutes or less – is intended to provide you with a weekly shot of useful financial information.  My intention is to share principles so that you will have more clarity and make better financial decisions. 

Investment advice offered through Stratos Wealth Advisors, LLC, a registered investment advisor. Stratos Wealth Advisors, LLC and Riverbend Wealth Management are separate entities. This content is developed from sources believed to be providing accurate information and provided by Riverbend Wealth Management. The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. Stratos Wealth Partners and its affiliates do not provide tax, legal or accounting advice. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal, or accounting advice. You should consult your own tax, legal and accounting advisors before engaging in any transaction. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation.

*The above illustration is based on various assumptions and is therefore hypothetical in nature and are for informational purposes only. You should consult your tax and/or legal advisors before implementing any transactions and/or strategies concerning your finances.


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