How surprise year-end income could derail your tax strategy — and how to plan for it

Year-end financial planning is tricky — and surprise portfolio income can derail your tax strategy, experts say.

As the calendar winds down, some investors are eyeing “tax gain harvesting,” or strategically selling profitable brokerage account assets during lower income years. Depending on earnings, you could qualify for the 0% capital gains bracket, and won’t incur taxes when selling investments.

But your 2025 tax projections must be precise, or the move could be more costly than expected, according to certified financial planner Cody Garrett, founder of Measure Twice Planners in Houston.

Here’s a look at other stories offering insight on ETFs for investors.

Many investors are sitting on significant portfolio gains as the stock market hovers around record highs. Despite recent volatility, the S&P 500