Top 5 Year-End Tax Moves for
High-Income Tech Professionals
Before you wrap the year, wrap up your taxes — and keep more of what you earn.
Most tech professionals overpay by $10K-$50K+ annually — not because of their income, but because of missed timing and planning. You have until December 31st to take control.
The December 31st Deadline is Real
Once the clock strikes midnight on New Year's Eve, these opportunities disappear for an entire year.
The Problem
You're earning great money, but taxes are eating 35-50% of your income
The Deadline
Most tax strategies must be executed before December 31st, 2025
The Solution
Strategic planning NOW can save you $10K-$50K+ this year alone
By the Numbers
Average annual overpayment
Hard deadline for most strategies
Legal & IRS-Compliant
The 5 High-Impact Tax Strategies
These are the exact moves our clients use to save $10K-$50K+ before year-end
💡 Optimize Your RSU & Stock Option Timing
Problem: RSUs and ISOs often trigger high ordinary income taxes and AMT surprises.
Your Action Plan:
- Check your vesting schedule — defer or accelerate sales strategically
- Use tax-loss harvesting to offset gains
- Consider 83(b) elections for early-stage equity
💰 Potential Savings: $10K-$50K+
💰 Max Out Retirement & Tax-Deferred Accounts
✓ 401(k) Maximization
$23K + $7.5K catch-up
✓ HSA Triple Tax Benefit
Stealth retirement account
✓ Backdoor Roth
Bypass income limits
✓ Solo 401(k)
For side hustles
💰 Potential Savings: $8K-$25K
🏠 Strategic Charitable Giving
Use charitable contributions to offset high income while maintaining flexibility.
- Donor-Advised Funds (DAFs): Lump-sum deduction now, give over time
- Donate appreciated stock: Avoid capital gains + full deduction
- Pair with tax-loss harvesting: Maximum tax efficiency
💰 Potential Savings: $5K-$30K+
🧾 Entity Structure Optimization
For side hustles, consulting, or freelance income.
Convert to S-Corp or LLC before year-end to:
- ✓ Save 10-15% on self-employment tax
- ✓ Deduct home office, equipment, software
- ✓ Pay reasonable salary + take distributions
💰 Potential Savings: 10-15% on side income
📊 Tax-Loss Harvesting & Portfolio Optimization
Turn paper losses into real tax savings by strategically selling underperforming investments before year-end to offset your RSU gains and capital gains from stock sales.
Your Action Plan:
- Review your brokerage accounts for unrealized losses
- Harvest losses to offset RSU income and capital gains
- Avoid wash sale rules by waiting 30 days or buying similar (not identical) securities
- Carry forward unused losses to future years ($3K annual deduction + unlimited gain offset)
💡 Pro Tip:
Pairs perfectly with RSU timing! Sell losing positions in your portfolio to offset gains from vested RSUs. Many tech professionals save $10K-$30K+ annually using this strategy.
💰 Potential Savings: $5K-$30K+ annually
Watch: The #1 Tax Mistake Costing Tech Professionals $50K+
Discover the RSU timing strategy that most accountants miss
Your Complete Year-End Tax Optimization Checklist
Get instant access to our year-end tax optimization guide with examples, calculators, and clear action steps to complete before December 31st.
RSU & Stock Option Timing Guide
Including 83(b) election strategies
Backdoor & Mega Backdoor Roth Tutorial
Step-by-step implementation guide
Tax-Loss Harvesting Strategy Guide
Turn portfolio losses into $5K-$30K+ in tax savings
Month-by-Month Action Timeline
Never miss a deadline again
Download Your Free Guide
No credit card required • Instant access
You Have Two Choices
Do Nothing
- ❌ Overpay by $10K-$50K+ this year
- ❌ Miss the December 31st deadline
- ❌ Pay AMT on your RSUs
- ❌ Watch your tax bill grow
Take Action Today
- ✅ Save $10K-$50K+ before year-end
- ✅ Get a personalized tax plan
- ✅ Optimize your equity compensation
- ✅ Keep more of what you earn
⏰ Only 12 spots remaining in October • First-come, first-served
Ready to Keep More of What You Earn?
Book your free 30-minute Year-End Tax Optimization Session
(Normally $500 • Free Until Oct 31st)
In Your Free Strategy Session, You'll Get:
Personalized 2025 Tax Savings Simulation
See exactly how much you can save
RSU & Stock Option Strategy Review
Optimize your equity compensation
Side Hustle Entity Structure Check
Should you form an S-Corp or LLC?
Tax-Loss Harvesting Analysis
Identify opportunities in your portfolio
Custom Year-End Action Plan
Clear steps to implement before Dec 31
🔒 No obligation • No sales pitch • 100% focused on your tax savings
Frequently Asked Questions
How much can I really save with these strategies?
Most tech professionals in the $250K-$1M+ income range save between $15K-$75K annually. Your exact savings depend on your equity compensation, side income, and current tax structure. During your free strategy session, we'll calculate your specific savings potential.
Is this only for founders and executives?
No! These strategies work for any tech professional earning $150K+. Whether you're a software engineer, product manager, data scientist, or designer with RSUs and stock options, you can benefit. Tax-loss harvesting is particularly valuable if you have taxable investment accounts with unrealized losses.
What if I already have a CPA?
Perfect! We specialize in proactive tax planning, which is different from tax preparation. Most CPAs file your taxes retrospectively, while we help you implement strategies before December 31st. Many of our clients work with us for planning and keep their CPA for filing. We're happy to coordinate with your existing tax professional.
How quickly can I implement these strategies?
Most strategies can be implemented within 1-2 weeks. Some, like retirement account contributions, can be done online in minutes. Others, like entity formation, may take 2-3 weeks. The key is starting now to ensure everything is done before the December 31st deadline.
What's the catch? Why is the consultation free?
No catch! We offer free strategy sessions because: (1) We're confident in our ability to show you significant savings, (2) We want to build long-term relationships with tech professionals who value optimization, and (3) Once you see what's possible, many clients choose to work with us for implementation. There's zero obligation to buy anything.
I'm already maxing out my 401(k). Can I still save more?
Absolutely! The 401(k) is just strategy #2 of 5. RSU timing, charitable giving, entity optimization, and tax-loss harvesting often provide even larger savings. Many of our clients already max their 401(k) and still save $20K-$50K+ through the other strategies.
Information only—not personal tax advice. The materials on this page are for general educational purposes and may not reflect the latest legal or tax developments. Your tax situation is unique; do not act on this information without obtaining professional advice tailored to your circumstances.
