Ask The Expert: Smart End-of-Year Business Moves

Published on: Published in: , , ,
Back to Blog Library
As the year winds down, many business owners are doing more than reviewing the books. They're thinking ahead. The fourth quarter is an ideal time to make strategic financial moves that can improve cash flow, reduce your tax bill, and set the stage for a strong start to 2026.

Offset Capital Gains Through Charitable Contributions

If your business realized capital gains from investments or asset sales this year, one effective strategy is donating appreciated assets, such as securities, to a qualified charitable organization. This not only supports meaningful causes but may also allow you to avoid capital gains taxes on the appreciated value, while receiving a full deduction for the asset's fair market value.

Magnifi Financial's business accounts, including money market and savings options, make it easy to earmark funds for charitable giving while still earning dividends.

Invest Back Into Your Business

Now is a great time to consider upgrading your equipment or technology. Certain purchases may qualify for Section 179 deductions or bonus depreciation, which may reduce your taxable income while reinvesting in your business.

Before you make a move, check in with your tax advisor to see what qualifies. When you're ready, Magnifi offers business loans and equipment financing options that help you move quickly, with competitive rates and local decision-makers who understand the importance of urgency and opportunity.

Realign Investment Portfolios or Real Estate Holdings

Looking to minimize realized gains? A business portfolio review or real estate refinance might reveal opportunities to defer taxes or rebalance strategically.

Magnifi's business advisors can connect you with wealth management resources or commercial lending options to better align your capital deployment with your long-term vision.

Prepare Proactively with a Financial Partner

At Magnifi Financial, we meet you where you are, whether that means managing complex cash flows, refinancing a commercial property, or simply setting up better tools for 2026. As a member-owned credit union, we reinvest in the local economy and prioritize relationships over transactions.

Let's wrap up 2025 with clarity and confidence.

Connect with a local business advisor to discover how our tailored solutions can help you reduce your tax burden and grow with purpose.