It’s the start of a new year, and that means one thing for business owners and high-income earners: it’s time to dial in your Q4 tax strategy.

In this episode, I’m joined by Ryan Dolan (licensed tax pro + advisor on our team) to break down everything you need to know about Q4 estimated payments, the 110% vs. 90% safe harbor rules, and how to avoid surprise tax bills or penalties in April. We cover:

• The difference between estimated payments and withholding (and how to use each strategically)

• Why the “effective tax rate” savings method often falls short

• When annualizing your income makes sense (especially for seasonal earners)

• How to plan for Q1 payments now so you’re not scrambling later

• Why overpaying a little in Q4 might be better than under-saving all year