
Why 4Q25 Offers Homebuyers a Window of Opportunity
With the Federal Reserve beginning to ease rates and housing inventory showing signs of expansion, the final quarter of 2025 could present a unique moment for prospective homebuyers.
With the Federal Reserve beginning to ease rates and housing inventory showing signs of expansion, the final quarter of 2025 could present a unique moment for prospective homebuyers.
The Federal Reserve trimmed its policy rate by 25 basis points, bringing the federal funds target range to 4.00%–4.25%.
Many employers are offering Roth employer contributions. This development opens up powerful new planning strategies, especially for those who anticipate being in a higher tax bracket in retirement.
Goal-based financial planning emphasizes aligning your financial decisions with the life outcomes you hope to achieve. Whether it’s retiring comfortably, buying a first home, or saving for a child’s education, this strategy is centered around what matters most to you.
The new tax bill introduces several new deductions while modifying or eliminating others. Some of the new provisions are temporary, expiring in a few years. Most are phased out for high earners. Proactive tax planning will be important to make sure each taxpayer benefits from the changes applicable to their own situation.
There are legitimate, personal, and strategic reasons why starting Social Security as soon as you're eligible at 62 might be the best option.