{"id":2942,"date":"2025-03-12T12:08:05","date_gmt":"2025-03-12T16:08:05","guid":{"rendered":"https:\/\/www.rbcwealthmanagement.com\/en-us\/insightswhat-you-can-do-to-mitigate-tax-surprises-every-year\/"},"modified":"2026-02-18T14:57:10","modified_gmt":"2026-02-18T19:57:10","slug":"what-you-can-do-to-mitigate-tax-surprises-every-year","status":"publish","type":"post","link":"https:\/\/www.rbcwealthmanagement.com\/en-us\/insights\/what-you-can-do-to-mitigate-tax-surprises-every-year","title":{"rendered":"What you can do to avoid tax surprises every year"},"content":{"rendered":"\n

An unexpected tax bill can disrupt even the most carefully planned financial strategy. Tax codes are intricate and evolving, making it difficult to anticipate every implication\u2014especially for those with complex financial situations.<\/p>\n\n\n\n

Life events\u2014such as a new job, moving to a different state, selling a business or receiving an inheritance\u2014and investment portfolio changes can generate substantial tax liability.<\/p>\n\n\n\n

\u201cBefore making major financial decisions, consult your advisors to assess potential tax implications,\u201d says Dean Deutz, a private wealth strategist for RBC Wealth Management\u2013U.S. \u201cYou don\u2019t want to wait until you\u2019re filing your taxes to find out that you\u2019ve unknowingly triggered a capital gains tax.\u201d<\/p>\n\n\n\n

Strategic preparation can reduce surprises<\/h2>\n\n\n\n

Deutz recommends running tax projections with your advisors throughout the year so you can make adjustments as circumstances change.<\/p>\n\n\n\n

\u201cThen, as you and your tax advisor are preparing, you should start thinking about what might be different next year,\u201d he says. \u201cWill your W-2 be the same or different? Consider whether you\u2019ll need to make estimated tax payments at a higher or lower rate.\u201d<\/p>\n\n\n\n

\n

Plan now, relax later<\/strong><\/h4>\n\n\n\n

Have the guidance you need to navigate your future confidently.<\/p>\n\n\n\n

\nFind a financial advisor<\/a>\n<\/div>\n<\/div><\/div><\/div><\/section>\n\n\n\n

Deutz notes a few strategies to consider:<\/p>\n\n\n\n

Manage your income streams:\u00a0<\/span><\/b>Tax-efficient planning<\/a> requires proactivity. For example, if you expect to be in a lower tax bracket in the future, you may want to see if you can defer income. Or, if you\u2019re heading into a higher tax bracket next year, moving as much income as you can to the current tax year may be beneficial.\u00a0Your advisors can recommend strategies for your specific situation. \u00a0<\/p>\n\n\n\n

Bunching your charitable contributions<\/b>: To maximize the tax benefit of charitable giving<\/a>, you may want to consider combining multiple years of donations into a single year, perhaps with biennial giving, a donor-advised fund or a private foundation.<\/p>\n\n\n\n

Qualified charitable distribution <\/b>(QCD):<\/strong> If you\u2019re 70 1\/2 or older, you can donate up to $111,000 directly from an IRA to qualified charities. QCDs can help make your\u00a0required minimum distributions<\/a>\u00a0more tax efficient and reduce your taxable income for the year.<\/span><\/p>\n\n\n\n

Strategies for paying your tax bill<\/h2>\n\n\n\n

If, despite your consistent planning efforts, you owe the IRS a substantial amount, there are several ways to pay, including:<\/p>\n\n\n\n

Cash<\/b>: <\/span>If you have plenty of liquidity, cash is a straightforward way to pay your bill, Deutz says, but it\u2019s risky if you\u2019re digging into your emergency fund<\/a>. \u201cIt\u2019s best to have a back-up plan so you don\u2019t have to pay cash if you don\u2019t want to,\u201d he adds.\u00a0<\/p>\n\n\n\n

Securities-based line of credit:<\/strong> Another option is to borrow from a securities-based line of credit, says Matt Franks, head of Wealth Management Lending at RBC Wealth Management\u2013U.S. \u201cAn advantage of leveraging credit is that you\u2019re not creating a new taxable event when you borrow from your account,\u201d he explains.<\/p>\n\n\n\n

This strategy is most effective if you can repay the loan within a short timeframe.<\/p>\n\n\n\n

\u201cBorrowing can be smart if you know you have income coming in soon to pay off the debt, for example, if you\u2019re paying your tax bill in April and know you\u2019ll get a bonus in June,\u201d Deutz says. \u201cBut if you don\u2019t have a clear path to repayment, it\u2019s best to avoid using debt for a big bill.\u201d<\/p>\n\n\n\n

Sell securities<\/b>: <\/span>Occasionally, selling securities may be an effective way to cover your tax bill, but it\u2019s not usually the best option, Deutz says.<\/p>\n\n\n\n

\u201cYou could be selling at the wrong time in the market and losing out on the benefit of a more strategic sale,\u201d he explains. \u201cIn addition, selling securities could cause a bigger tax bill the following year because you have to include the proceeds as income.\u201d<\/p>\n\n\n\n

When it comes to navigating complex tax situations and preventing surprises, professional advice is essential.<\/p>\n\n\n\n

\u201cIf you have a big tax liability, it\u2019s important to communicate with your financial and tax advisors and recognize that you have several arrows in your quiver,\u201d Franks says. \u201cSo many people think they need to sell assets when they\u2019re hit with a bill, but there are other options.\u201d<\/p>\n\n\n\n

This article was updated in Feb. 2026.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

Tips to help prevent an unexpected bill during tax season\u2014and strategies to consider if you receive one.<\/p>\n","protected":false},"author":22,"featured_media":21393,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"rbcwm_post_date":"","editor_notices":[],"rbc_url_alias":"","rbcwm_featured_desktop_image_position":"","rbcwm_featured_mobile_image_position":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[28],"tags":[248,247,164],"rbcwm_content_owner":[],"rbcwm_need":[463],"rbcwm_segment":[467,460],"rbcwm_solution":[465],"rbcwm_topic":[464],"rbcwm_channel":[],"rbcwm_format":[],"class_list":["post-2942","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tax-strategies","tag-tax-planning","tag-tax-strategies","tag-wealth-planning","rbcwm_need-protect","rbcwm_segment-business-owners-and-entrepreneurs","rbcwm_segment-individuals-and-families","rbcwm_solution-wealth-planning","rbcwm_topic-your-wealth"],"acf":{"rbcwm_subtitle":"Tips to help prevent an unexpected bill during tax season\u2014and strategies to consider if you receive one.","rbcwm_post_author":"","rbcwm_custom_breadcrumb_text":"","rbcwm_custom_breadcrumb_link_url":"","rbcwm_disclaimers":{"add_disclosures":"","perspective_disclaimer":"","expandable":"","omit_from_pages":"","disclaimer_footnote":"Neither RBC Wealth Management, a division of RBC Capital Markets, LLC (\u201cRBC WM\u201d), nor its affiliates or employees provide legal, accounting or tax advice. All legal, accounting or tax decisions regarding your accounts and any transactions or investments entered into in relation to such accounts, should be made in consultation with your independent advisors. No information, including but not limited to written materials, provided by RBC WM or its affiliates or employees should be construed as legal, accounting or tax advice.\r\n\r\nSecurities-based loans involve special risks and are not suitable for everyone. You should review the provisions of any agreement and related disclosures, and consult with your own independent tax and legal advisors about any questions you have prior to using securities-based loans or lines of credit. Additional restrictions may apply.<\/em>\r\n\r\nRBC Wealth Management, a division of RBC Capital Markets, LLC, is a registered Broker-Dealer, Member FINRA\/NYSE\/SIPC, and is not a bank. RBC Capital Markets, LLC, its affiliates and their employees do not provide tax or legal advice.\u00a0Lending services may be offered by bank affiliates of RBC Wealth Management. RBC Wealth Management and\/or your financial advisor may receive compensation in conjunction with offering or referring these services.<\/em>"},"rbcwm_insight_cta_id":[8484],"rbcwm_pagination":{"next_link":"","next_link_text":"","previous_link":"","previous_link_text":""},"rbcwm_video_duration":"","article_time":"","rbcwm_enable_toc":false,"rbcwm_toc_selector":"h2"},"yoast_head":"\nWhat you can do to avoid tax surprises every year<\/title>\n<meta name=\"description\" content=\"Tips to help prevent an unexpected bill during tax season\u2014and strategies to consider if you receive one.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.rbcwealthmanagement.com\/en-us\/insights\/what-you-can-do-to-mitigate-tax-surprises-every-year\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" 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