Keep What's Yours

In this timely episode of Keep What’s Yours, host Josh Gilbert sits down with senior tax strategist Jeff Zufall to break down what the new year really means for taxpayers under the newly finalized “big, beautiful” tax bill. From what year-end moves are already off the table to the few planning opportunities that still remain, Jeff explains key changes affecting retirement contributions, IRA deadlines, IRS filing timelines, new vehicle deductions, gambling income rules, and why proper payroll planning now can mean thousands more kept later. The conversation also dives into IRS transparency reforms, interest rate cuts, and how proactive, year-round tax planning—not last-minute filing—creates a lasting advantage for individuals and small business owners alike. If you want to understand what changed, what stayed permanent, and how to start 2026 on the right financial footing, this episode is essential listening. Stop overpaying your taxes each year. - Call Capital Advisory Group at 636-394-5524 today!

In this episode of Keep What’s Yours, Josh Gilbert and Senior Tax Strategist Jeff Zufall break down the sweeping changes in the “Big Beautiful Bill,” the newly updated tax code reshaping how individuals and small businesses should plan for 2025 and beyond. Jeff explains why filing your taxes once a year is no longer enough—and how year-round strategic tax planning can save you thousands. From new deductions (like the $10,000 vehicle interest write-off) to disappearing credits (goodbye electric-vehicle incentives), Jeff highlights what’s ending on December 31st, what’s newly permanent, and what opportunities most taxpayers are missing. They also cover HVAC and appliance rebates, charitable contribution restorations, the surge in tariffs—and even the possibility of “Trump checks.” Whether you're preparing for retirement, considering Roth conversions, or navigating inflation and market uncertainty, this episode gives you the practical, timely insights you need to truly keep what’s yours. Stop overpaying your taxes each year. - Call Capital Advisory Group at 636-394-5524 today!

In this episode of Keep What’s Yours, Josh Gilbert and senior tax strategist Jeff Zufall dive into the real-world financial questions that everyone faces — from catching up on retirement savings if you started late, to navigating inflation, layoffs, and the brand-new “Big Beautiful Bill” tax code. Jeff breaks down practical ways to budget smarter, make the most of 401(k) catch-up provisions, and understand how new laws like the vehicle loan interest deduction could save you thousands. It’s an engaging, down-to-earth conversation about building financial freedom, minimizing taxes, and setting yourself up for a stress-free retirement — no matter where you’re starting from. Small businesses overpay their taxes every year. Stop overpaying - Call Capital Advisory Group at 636-394-5524 today!

Join tax strategist Jeff Zufall and host Josh Gilbert as they break down critical tax changes for 2025, including the IRS's shift to all-digital payments (no more paper checks!), the new overtime tax exemption from the "Big Beautiful Bill" (up to $12,500 tax-free for eligible workers), and essential year-end planning strategies. Learn about tax lot trading to offset capital gains, the complexities of the new senior standard deduction, and why the government shutdown could delay tax season until President's Day. Whether you're maximizing your 401(k) contributions, navigating the modified adjusted gross income maze, or simply trying to keep more of what you earn, this episode delivers actionable advice before December 31st. Perfect timing for anyone looking to minimize their 2025 tax bill through smart planning in these final three months of the year. Small businesses overpay their taxes every year. Stop overpaying - Call Capital Advisory Group at 636-394-5524 today!

Host Josh Gilbert and tax strategist Jeff Zufall break down the Federal Reserve's quarter-point interest rate cut and what it means for your mortgage, credit cards, and investment strategy, with signals of more cuts coming before year-end. The duo dives deep into Required Minimum Distributions (RMDs), explaining how these mandatory withdrawals from tax-deferred accounts like 401(k)s and IRAs work starting at age 73, including smart strategies like using charitable donations from your RMD to avoid taxes entirely. They also explore the new "Big Beautiful Bill" tax code changes already in effect for 2025, highlighting the restored above-the-line charitable deduction of $1,000 for singles and $2,000 for married couples filing jointly. Plus, they discuss the IRS's shift away from paper checks starting September 30th and how tariffs may impact the economy through the fourth quarter, all while emphasizing practical ways to legally minimize your tax burden and keep more of what's yours. The IRS reports that small businesses overpay their taxes every year. Stop overpaying - Call Capital Advisory Group at 636-394-5524 today!

In this episode of Keep What's Yours, tax strategist Jeff Zufall and host Josh Gilbert break down the major changes from the recently passed tax legislation they call the "Big Beautiful Bill." They explore the new no-tax-on-tips provision that covers 68 specific occupations - from bartenders to plumbers - with income limits and a $25,000 tip cap. The duo also reveals a significant blow to gamblers: a new rule limiting gambling loss deductions to just 90% of winnings, meaning even heavy losers will now pay taxes on 10% of any wins. Jeff shares real-world stories from helping lottery winners and house prize winners navigate complex tax obligations, including creative loan structures to handle immediate tax burdens. With one in ten Americans now technically millionaires (counting retirement and home equity), they discuss what wealth really means today and debate the age-old lottery question: lump sum or annuity? As sports betting becomes legal in Missouri this December, the timing couldn't be more relevant for understanding these new gambling tax implications. The IRS reports that small businesses overpay their taxes every year. Stop overpaying - Call Capital Advisory Group at 636-394-5524 today!