Haworth & Co ClientLine Newsletter

www.haworthco.com

September 2025

Understanding Capital Gains and Losses

How you manage the sale of your investments impacts your overall tax picture. And to get the most out of the current tax law, you’ll need to understand capital gains and losses.

Tax-Efficient Strategies

Capital gains taxes can significantly impact the returns on your investments. By working with a tax professional they'll help you understand the difference between short-term and long-term capital gains tax rates, ensuring that you are minimizing your tax liability.

Life Insurance: Part of Your Financial Plan

Life insurance, often referred to as "love insurance" is a crucial aspect of financial planning, offering essential protection for individuals and their families.

September 2025 Client Profile

Christine is a small business owner who sells handmade furniture. In 2024, her business has had a successful year, and she is considering selling a piece of property she owns. The property was originally purchased for $150,000 five years ago, and its current market value is $250,000. Christine expects to make a $100,000 profit on the sale.

Safeguard Your Business From Fraud

Sadly, fraudsters are continually looking for ways to make a quick buck at your company's expense, so make sure you're taking steps to protect your business from all types of threats.

Manage Your Debt Portfolio

Like most people, you probably have a debt portfolio in addition to your investment portfolio. To make the most of your finances, you need to evaluate your debts regularly, just as you evaluate your investment performance. As we approach the final quarter of 2025, now is a good time to conduct a review to stay on track.

September 2025 Q and A

Let's talk about FAFSA.

Year-End Tax Planning For Your Business

September is the perfect time for business owners to review their financial standing and plan for the final quarter. Working with a tax professional now can help maximize savings, avoid surprises, and ensure smooth tax compliance. Here are key topics to discuss:

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