{"id":39227,"date":"2025-12-15T20:58:05","date_gmt":"2025-12-15T20:58:05","guid":{"rendered":"https:\/\/financialrush.com\/?p=39227"},"modified":"2025-12-15T20:58:05","modified_gmt":"2025-12-15T20:58:05","slug":"surprise-year-end-income-could-derail-plans-for-0-capital-gains","status":"publish","type":"post","link":"https:\/\/financialrush.com\/?p=39227","title":{"rendered":"Surprise year-end income could derail plans for 0% capital gains"},"content":{"rendered":"

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Akio Maeshima | Digitalvision | Getty Images<\/p>\n<\/div>\n<\/div>\n<\/div>\n

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Year-end financial planning<\/a> is tricky \u2014 and surprise portfolio income can derail your tax strategy<\/a>, experts say.<\/p>\n

As the calendar winds down, some investors are eyeing \u201ctax gain harvesting<\/a>,\u201d or strategically selling profitable brokerage account assets during lower income years. Depending on earnings, you could qualify for the 0% capital gains bracket<\/a>, and won\u2019t incur taxes when selling investments.\u00a0\u00a0\u00a0\u00a0<\/p>\n

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.<\/p>\n<\/div>\n

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