Lower your 2026 tax bill before December 31.
Most people think about taxes in March, when it’s too late to change anything.
The Year-End Tax Savings Playbook walks you through 14 legal moves you can still make this year, using the official 2026 IRS numbers, with a fillable plan so you finish with your own action list and an estimate of what you’ll save.
Written by Bethany Prignano, EA, Founder of Vitality Tax & Advisory
What’s inside the playbook
For everyone
• The new 2026 charitable deduction, even if you don’t itemize (and the youth sports secret most parents miss)
• How to max out your 401(k) or 403(b) before your last paycheck
• IRAs, HSAs, and 529 plans: the limits and deadlines that matter
• New deductions for tips, overtime, car loan interest, and seniors
For business owners
• Choosing between a SEP-IRA and a Solo 401(k)
• The self-employed health insurance deduction (and the S corp rule that trips people up)
• Buying equipment, timing income and expenses, and hiring your kids
• Holiday gifts and parties: what’s actually deductible
• Business tax credits for health insurance, retirement plans, and tips
Plus: a fillable “My plan” worksheet for every strategy and a one-page Year-End Action Plan that totals your savings.
Choose your playbook
Want me to do it for you?
I’m Bethany Prignano, an Enrolled Agent and the founder of Vitality Tax & Advisory. Enrolled Agents are licensed by the IRS to represent taxpayers, and I specialize in helping women-owned businesses and families keep more of what they earn.
The playbook shows you the moves. In a Year-End Tax Planning Session, I run your actual numbers, tell you exactly which strategies fit, and give you a prioritized list of what to do before December 31.