Listen in as Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, ABFP®, break down the most important year-end tax planning strategies for 2025. We'll explain gift tax limits, upcoming 401(k) catch-up contribution changes, and how the expanded SALT deduction cap could help more taxpayers benefit from itemizing instead of taking the standard deduction. We'll also cover smart opportunities for Roth conversions, tax-loss harvesting, and tax-gain harvesting before December 31, helping listeners minimize taxes now and optimize for the potential to build long-term tax-free growth. Whether you're preparing for retirement, maximizing your deductions, or looking for last-minute tax savings, this episode offers actionable guidance to make the most of the 2025 tax year.

• 2025 gift tax limits: $19,000 annual exclusion and nearly $14 million lifetime exemption.
• 2025 is the last year high-earners ($145,000+) age 50+ can make pre-tax 401(k) catch-ups before they become Roth-only in 2026.
• Higher SALT deduction caps in 2025 mean more people may itemize and stack deductions, like charity or property taxes.
• Year-end planning opportunities include Roth conversions, tax-loss and -gain harvesting, as well as timing income or gifts across the December–January tax-year flip.
• RMDs for personal and inherited IRAs are due December 31.

Email [email protected], and Jason or Regina might answer it in a future episode! New episodes drop every other Thursday — always ad-free and no subscription required. Learn more about FPFoCo at fpfoco.com and connect with us on social media @fpfoco.

Jason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor. The information in this podcast is for general educational and entertainment purposes only. It may not apply to your individual circumstances and should not be considered financial, investment, or tax advice.

© 2025 FPFoCo

'Tis the season for tax planning — and considering charitable giving! In this episode, Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, ABFP®, dive into how charitable contributions could impact your taxes in a positive way. As year-end approaches, they explain who might benefit from giving before December 31, how deductions work with the 2025 standard deduction, and what’s changing in 2026. From donor-advised funds to donating appreciated stocks instead of cash, the duo breaks down smart ways to give — without missing out on valuable tax savings.

• Whether charitable giving might make sense for your tax situation
• The difference between gifting cash versus appreciated assets
• How donor-advised funds work when you want to give ... but aren’t sure where you want to give to yet
• Tax law changes beginning 2026, like the new above-the-line deduction and AGI floor
• Ideas for maximizing deductions in a high-income year

1. If you expect a high-income year in 2025, consider bunching charitable donations before the AGI floor arrives in 2026.
2. A donor-advised fund lets you claim your deduction now — and select the charitable recipient later.
3. Donating appreciated stock can help you avoid capital gains while still supporting causes you care about.

Here’s Jason’s favorite green bean casserole recipe! And don't forget about the IRS Tax Exempt Organization Search tool for verifying that your donations are tax-deductible.

Email [email protected] and Jason or Regina might answer it in a future episode! New episodes drop every other Thursday — always ad-free and no subscriptions required. Learn more about FPFoCo at fpfoco.com and connect with us on social media @fpfoco.

Jason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor. The information in this podcast is for general educational and entertainment purposes only. It may not apply to your individual circumstances and should not be considered financial, investment, or tax advice.

© 2025 FPFoCo

Why would Regi need life insurance? Jason Speciner, CFP®, EA, passes the pop quiz at the beginning of this episode. Then he and Regina Neenan, CFP®, ABFP®, talk about why some people generally need life insurance — and why others don’t. Listen in to better understand whether you might want to purchase a policy — or not — and how it could benefit those you leave behind.

Have a money or tax question for us? Send it to [email protected], and Jason or Regina might answer your question in a future episode! We’ll release a new one every other Thursday, and they’re ad-free for everyone — no subscription required.

Learn more about FPFoCo at fpfoco.com, and be sure to subscribe to get the latest episodes in your podcast feed! You can also follow us on your favorite social media platforms @fpfoco.

Jason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor. 

The information in this podcast is provided for general educational and entertainment purposes only. It may not apply to you or your specific circumstances and should not be considered financial, investment, or tax advice. 

© 2025 FPFoCo

It’s time to get your health insurance in order! Open enrollment is right around the corner for many, whether you get your coverage through your employee benefits or a health care exchange. Are you confused about health insurance jargon and how it relates to the plan you choose? Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, are here to help. Listen in as they explain premiums, deductibles, coinsurance and copays, maximum out of pocket, and more — all in time for you to review what’s available to you.

Have a money or tax question for us? Send it to [email protected], and Jason or Regina might answer your question in a future episode! We’ll release a new one every other Thursday, and they’re ad-free for everyone — no subscription required.

Learn more about FPFoCo at fpfoco.com, and be sure to subscribe to get the latest episodes in your podcast feed! You can also follow us on your favorite social media platforms @fpfoco.

Jason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor. 

The information in this podcast is provided for general educational and entertainment purposes only. It may not apply to you or your specific circumstances and should not be considered financial, investment, or tax advice. 

© 2025 FPFoCo

You’ve probably heard of a will. But what makes up a full estate plan? Regina Neenan, CFP®, and Jason Speciner, CFP®, EA, review the high points of creating a real estate plan. From beneficiary designations to using technology tools to build a basic estate plan or working through everything with an estate attorney, they’ll discuss why it’s important and what goes into it from a financial perspective. 

This discussion about estate planning does not constitute legal advice.

Have a money or tax question for us? Send it to [email protected], and Jason or Regina might answer your question in a future episode! We’ll release a new one every other Thursday, and they’re ad-free for everyone — no subscription required.

Learn more about FPFoCo at fpfoco.com, and be sure to subscribe to get the latest episodes in your podcast feed! You can also follow us on your favorite social media platforms @fpfoco.

Jason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor. 

The information in this podcast is provided for general educational and entertainment purposes only. It may not apply to you or your specific circumstances and should not be considered financial, investment, or tax advice. 

© 2025 FPFoCo

When is the most optimal age to begin Social Security, how much can you expect, and how much of your expenses will it cover? Regina Neenan, CFP®, and Jason Speciner, CFP®, EA, discuss how to time when to begin your benefit, ideas for individuals and couples, and more. Plus, Jason shares his opinion on whether Social Security will even be around in the future (hint: they both strongly believe that it will!).

Plus, if you listened to the end, this one’s for you! https://forms.gle/VKt1UkxnGxTojacr5

Have a money or tax question for us? Send it to [email protected], and Jason or Regina might answer your question in a future episode! We’ll release a new one every other Thursday, and they’re ad-free for everyone — no subscription required.

Learn more about FPFoCo at fpfoco.com, and be sure to subscribe to get the latest episodes in your podcast feed! You can also follow us on your favorite social media platforms @fpfoco.

Jason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor. 

The information in this podcast is provided for general educational and entertainment purposes only. It may not apply to you or your specific circumstances and should not be considered financial, investment, or tax advice. 

If Regina Neenan, CFP®, uses Monarch and Jason Speciner, CFP®, EA, uses YNAB, why do the majority of FPFoCo’s cash-flow tracking clients use Monarch? Learn the answer — and get a step-by-step walk-through of how Regi sets Monarch up on behalf of FPFoCo clients. Plus, make an easy-to-use tool even simpler as you follow along to set up your Monarch account, too!

Looking for that Monarch Money discount code? It’s right here!

Have a money or tax question for us? Send it to [email protected], and Jason or Regina might answer your question in a future episode! We’ll release a new one every other Thursday, and they’re ad-free for everyone — no subscription required.

Learn more about FPFoCo at fpfoco.com, and be sure to subscribe to get the latest episodes in your podcast feed! You can also follow us on your favorite social media platforms @fpfoco.

Jason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor. 

The information in this podcast is provided for general educational and entertainment purposes only. It may not apply to you or your specific circumstances and should not be considered financial, investment, or tax advice. 

© 2025 FPFoCo

How well do you know your own cash flow — and how much does Jason really know about Regi’s? In this episode, Regina Neenan, CFP®, shares their biggest spending categories. Then  Jason Speciner, CFP®, EA, chats with them about how to appropriately track expenses as a cornerstone of an accurate and effective financial plan.

Looking for that Monarch Money discount code? It’s right here!

Have a money or tax question for us? Send it to [email protected], and Jason or Regina might answer your question in a future episode! We’ll release a new one every other Thursday, and they’re ad-free for everyone — no subscription required.

Learn more about FPFoCo at fpfoco.com, and be sure to subscribe to get the latest episodes in your podcast feed! You can also follow us on your favorite social media platforms @fpfoco.

Jason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor. 

The information in this podcast is provided for general educational and entertainment purposes only. It may not apply to you or your specific circumstances and should not be considered financial, investment, or tax advice. 

© 2025 FPFoCo

We’re back with more One Big Beautiful Bill Act updates. With tax cuts come some potential pitfalls that could affect you, from reduced federal health care spending to limited tax deductions, eliminated credits, and more. Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, are here to highlight some so you know what to watch out for — and what you might want to be ready for come tax time. 

Have a money or tax question for us? Send it to [email protected], and Jason or Regina might answer your question in a future episode! We’ll release a new one every other Thursday, and they’re ad-free for everyone — no subscription required.

Learn more about FPFoCo at fpfoco.com, and be sure to subscribe to get the latest episodes in your podcast feed! You can also follow us on your favorite social media platforms @fpfoco.

Jason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor. 

The information in this podcast is provided for general educational and entertainment purposes only. It may not apply to you or your specific circumstances and should not be considered financial, investment, or tax advice. 

Riley’s back, and he’s here to chat about the tax implications of the One Big Beautiful Bill Act! On this episode, Riley Thoubboron, CFP®, joins colleagues Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, to review the tax-specific changes that the O-tripple-B brings — and what they could mean for you.

Have a money or tax question for us? Send it to [email protected], and Jason or Regina might answer your question in a future episode! We’ll release a new one every other Thursday, and they’re ad-free for everyone — no subscription required.

Learn more about FPFoCo at fpfoco.com, and be sure to subscribe to get the latest episodes in your podcast feed! You can also follow us on your favorite social media platforms @fpfoco.

Jason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor. 

The information in this podcast is provided for general educational and entertainment purposes only. It may not apply to you or your specific circumstances and should not be considered financial, investment, or tax advice. 

© 2025 FPFoCo