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Unearth the Tax Benefits in Trump’s Massive Megabill Crack the Code!
Many seniors are about to reap significant benefits from President Trump’s massive new tax-and-spending legislation. The 870-page megabill, also known as the One Big Beautiful Bill Act (OBBBA), contains provisions that could significantly affect your 2025 taxes and year-end charitable giving decisions.
If you are among the millions of taxpayers who have not yet mastered all the details in the legislation, here are three facts worth noting.
Senior Bonus Deduction The measure gives taxpayers aged 65 and over a bonus deduction through 2028 of up to $6,000 for single taxpayers and $12,000 for married couples filing jointly, whether or not they itemize deductions on their tax returns. (This deduction begins to phase out for taxpayers with modified adjusted gross income of $75,000 or more for singles, and $150,000 for couples.) This deduction is especially noteworthy because it is available to taxpayers who have enough deductions to itemize on their returns, as well as non-itemizers. Charitable Giving In the past, taxpayers who took the standard deduction couldn’t write off charitable contributions unless their donations exceeded a certain percentage of their adjusted gross income. For the 2025 tax year, however, non-itemizers can have their cake (the standard plus bonus deductions) and eat it too (an additional deduction for charitable giving). Single filers who don’t itemize deductions can claim up to $1,000 in charitable contributions, and married couples can claim up to $2,000. While that isn’t a fantastic amount, it does put another dent in taxable income. Snowballing Deductions If you have been adding up all these deductions mentally, you might be feeling a little excited. Consider what happens when you add the bonus deduction and the additional charitable deduction to the existing standard deduction for seniors ($2,000 for singles and $1,600 for each qualifying spouse filing jointly) and the new, higher 2025 standard deduction ($15,750 for singles and $31,500 for couples).
nothing to reduce Social Security taxes directly. A taxpayer doesn’t have to receive Social Security benefits to qualify for the senior bonus deduction. However, a potential indirect effect is that it reduces seniors’ taxes on all income, including Social Security. So, in practice, the measure makes Social Security benefits less subject to taxation than they have been in the past. A Good Year to Convert? Given these opportunities to reduce your taxable income, this is a good time to do some tax planning. If you haven’t reached the top of the 12% tax bracket yet, this might be a good time to consider converting some IRA funds to Roth IRA accounts. Any funds you convert are taxable, of course, but at least you would benefit from the lower 12% marginal tax rate. Paying 12 cents on the dollar may make sense this year, as a way to avoid the future risk of jumping up to the next-highest bracket of 22%.
A word to the wise: All of these benefits sunset after 2028, lending some urgency to careful tax planning now.
If you have questions about aligning your retirement portfolio for maximum tax and income benefits in the wake of this sweeping legislation, contact
The result: These combined deductions can snowball to nearly $25,000 for single filers and almost $50,000 for married couples!
us today! We will gladly provide a free consultation on the best strategies to meet your needs.
President Trump has frequently linked this new legislation to his campaign promise to cut taxes on Social Security benefits. However, the measure does
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FROM THANKFUL JARS TO TURKEY TRIVIA Fill Your Holiday With Gratitude and Games The holidays are a magical time that brings together loved ones and a little chaos. Between the pie-making and travel plans, it can be easy to forget what we’re gathering to celebrate. This Thanksgiving, let’s not just carve the turkey, but also carve out time for mindful traditions the whole family can enjoy. From sharing what you’re thankful for to hosting a family Thanksgiving talent show, this year is the perfect chance to create new traditions that deepen connections and spark laughter. Get ready to gobble up the fun together. GATHER FOR GRATITUDE Thanksgiving is all about honoring what we are grateful for in life, and it can be a fun activity for you and your children to share. You can gamify gratitude in several ways, like creating a thankfulness jar where everybody adds slips of paper describing what they most appreciate. You can take turns reading them after dinner and even make a guessing game out of who wrote what. It could be as simple as gathering around the table for breakfast and everyone saying one thing they’re grateful for. TURKEY DAY TRIVIA There’s no better way to digest after the big Thanksgiving feast than having fun. Pick out some of your favorite board games or a deck of cards for a post-meal game night. You
Beauty Balancing Act
KEEP YOUR SKIN’S PH IN CHECK AND SHINE ON
If you’re still breaking out even with a great glow-up routine, the pH of your products could be the sneaky culprit. Your skin has a natural sweet spot on the pH scale. When beauty products push it too far off balance, irritation, acne, and dryness can all flare up. So, what’s the science behind your skin care, and could your beauty aids be more foe than glow? UNDERSTANDING YOUR SKIN’S NATURAL PH Everyone’s pH is unique, and knowing what it takes to bring yours back into balance could be the key to healthier, clearer, and more radiant skin. The pH scale goes from 0 to 14, and 5.5 is ideal for most adults. It provides enough acidity to balance your skin’s naturally occurring oils and protect you from harmful bacteria. If your pH levels become too high or too low, it throws everything off in your skin barrier. SIGNS YOUR PH IS OFF Common signs that your skin is too acidic or too basic are dryness, flakiness, acne, sensitivity, and chronic skin issues like eczema. If your skin is extra dry, unusually dull, frequently irritated, or has uneven or rough patches, it likely means your pH has gotten too high. If the balance has dipped too low, you might see excessive oil, stickiness, more breakouts, and extra sensitivity to beauty products. CHOOSING THE RIGHT PRODUCTS Not all skin care products are created equal, but thankfully, most rinse-off and leave-on skin care products are already pH-balanced. Products labeled as such are formulated with a pH between 4 and 7, the range of healthy, normal skin. As you look for new beauty aids, read the labels, looking for bottles marked “pH balanced” or products designed for sensitive skin. You always want to opt for cleansers made for the face because bar soap or other body soaps usually have a higher pH level and can strip your skin of its helpful oils. OTHER TIPS Along with pH-balanced products, eat a healthy diet with alkaline foods like kale, cayenne pepper, garlic, carrots, cabbage, and apple cider vinegar. If you have hard water, which can damage your skin, try using filtered or distilled water when you wash your face.
could test everyone’s knowledge with a holiday-themed trivia competition or create a scavenger hunt around the house. No matter the game, ensure everyone from
grandparents to kids can join in. Keep it focused on connection, not just winning. If you want to go all out, challenge all your guests to be ready with their best skills for a family talent show. A SOUNDTRACK TO THE STUFFING Create a perfect soundtrack you can play while everyone helps with
the cooking or winds down after dessert. Before the big day, ask everyone in the family to add one or two
songs to a Thanksgiving playlist. Prompt them to pick tunes that remind them of the season, happy memories, the joys of being together, or even their favorite dishes. You can keep adding to this list in subsequent years, turning the songs into a playable family history.
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PILOXING, PROTEIN, AND POSITIVITY
MELISSA MCCARTHY’S NO-FAD FORMULA FOR WEIGHT LOSS
Actress Melissa McCarthy has turned heads again, but it wasn’t for her comedic chops or a scene-stealing role. The Hollywood star had an incredible transformation in 2015, shedding 50 pounds and gaining a new level of energy and confidence. Her inspiring weight loss wasn’t the result of a crash diet or workout fad, but a mindset shift, healthy dietary swaps, and a powerful mix of exercise styles. Ready to walk the red carpet using this celeb’s secrets to success? PILOXING When the star was preparing for an action comedy, she learned how effective a mix of Pilates and boxing, or “piloxing,” could be in losing weight. This blend of workouts addresses flexibility, core strength, and calories, keeping the heart rate up and engaging different muscle groups. Boxing will help you drop pounds, while Pilates will help build lean muscle and improve your overall posture. If you’re not interested in boxing, other activities can elevate your heart rate, like biking or playing pickleball. HIGH-PROTEIN DIET The actress changed up her diet, focusing on high- protein meals. Protein is essential for reducing cravings, Pumpkin Dump Cake
maintaining muscle, and helping your body burn calories. If you don’t have enough protein, your body may start chipping away at your muscles for energy, and you may want to snack more. As you revamp your menu, choose a variety of plant and animal proteins like yogurt, chickpeas, chicken, and fish to incorporate into your recipes. You can use simple, ready-to-go options, like hard-boiled eggs or protein shakes, to get a good dose of fuel no matter how short on time you may be. MINDSET MATTERS One of McCarthy’s biggest game-changers was letting go of the quest for perfection and celebrating small wins. When she stopped stressing about the outcome, she started noticing improvements. You can do the same. Instead of extreme diets, you can focus on realistic adjustments and giving yourself grace. Your weight may fluctuate, and you may have days when you have a cheat meal or you are too busy to do a complete workout. That’s okay; it doesn’t mean you have failed. Be flexible. Even a short walk or adding a small salad to your more indulgent meal will make a difference.
Take a Break
Inspired by CookiesAndCups.com
Ingredients • 1 (15 oz) can pure pumpkin • 1 (10 oz) can evaporated milk • 1 cup light brown sugar • 3 eggs • 1 tbsp pumpkin pie spice
• 1 box yellow cake mix • 1 cup coarsely crushed graham crackers or pecans • 1/2 cup toffee bits (optional) • 1 cup (2 sticks) butter, melted
1. Preheat oven to 350 F. Coat a 9x13-inch baking pan with nonstick spray and set aside. 2. In a large bowl, add pumpkin, evaporated milk, sugar, eggs, and pumpkin pie spice. 3. Stir to combine and pour into the prepared pan. 4. Sprinkle the entire box of cake mix on top, followed by nuts or graham crackers and toffee bits. 5. Pour melted butter evenly on top. 6. Bake for 45–50 minutes, until the center is set and edges are lightly browned. 7. Serve warm or at room temperature. Directions
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PRST STD US POSTAGE PAID BOISE, ID PERMIT 411
The information published in this newsletter is educational in nature and is not intended to be a recommendation to sell or purchase an annuity or any specific insurance or financial product. You are strongly urged to consult with financial planning, tax, and legal advisors to determine if an annuity is suitable in your financial situation. The income doubler is not meant to replace Long Term Care insurance.
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INSIDE
1 Trump’s Megabill: Where Savvy Taxpayers Can Find Hidden Gold 2 Whisking Up New Traditions This Thanksgiving Cracking the Code to Clear, Happy Skin 3 The Celebrity Routine That’s Actually Sustainable Pumpkin Dump Cake
4 Want to Know Your Grandkids Better?
Small Questions, Big Connections
The Interview That Builds a Grand Relationship Most grandparents want nothing more than to spend time with their grandchildren, get to know them, and foster a close and positive relationship. But it’s not always
The questions should reflect the kids’ ages. You don’t want to ask anything too complicated of a 5-year-old or dig too deeply with a teenager, as they will get uncomfortable. The goal is to learn more about them and their interests, not their deepest, darkest secrets. Younger kids will enjoy answering questions about their favorite colors, games, animals, movies, school subjects, and more. Older kids can handle more detailed questions, relating to their passions, ideal careers, favorite family stories, and values. Keep in mind that you are not there to judge or even comment on their responses or views. You just want to gather information to establish a stronger relationship. Once you’ve made it through your list, or they’ve grown tired of answering questions, it’s time to flip roles. Encourage your grandchildren to ask questions about your career, your childhood, their parents as kids, family history, your favorite vacations, and life experiences. They might already have questions in mind that they want to ask you! Focusing on stories and things they can relate to will capture their attention best.
easy to carve out time, especially if the grandchild is shy or lives on the other side of the country. So, how can grandparents better connect with their grandchildren while learning more about them and their interests? Have an interview! The first thing to do is determine the best interview method. It depends on the children’s ages, preferred methods of communication, and the distance between them and their grandparents. Some can sit together in the same room, while others will need to use video calls,
phone calls, or letters sent by mail or email. Once you determine the best mode of communication, it’s time to put the questions together.
Learning more about each other will lead to a stronger, more loving grandparent-grandchild relationship!
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