2025 Tax Return Review Checklist — Creative Financial Group
Creative Financial Group · CPA & Retirement Planning

2025 Tax Return
Review Checklist

Use this checklist after receiving your return — to catch errors, identify missed opportunities, and set up a smarter plan for next year.
Numbers verified for tax year 2025
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Every Taxpayer

The Universal Review

These items apply to every return, regardless of income or complexity. Start here before anything else.
Accuracy & Personal Information
Income Verification
Deductions & Credits
Next Year Setup
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CFG Tip: Compare this return to last year's side by side. If your tax bill jumped without an obvious reason — higher income, a sale, a distribution — ask your advisor why before accepting it.
2
Higher Complexity

For Incomes Above $109,000 Single / $218,000 Joint — or $500,000+ in Investable Assets

At this level, the tax picture changes structurally. IRMAA, NIIT, RMDs, and Roth strategy all become active considerations. These items are where real money is left on the table — or saved.
Why this threshold? IRMAA surcharges start at $109,000 single / $218,000 joint. The Net Investment Income Tax (3.8%) kicks in at $200,000 single / $250,000 joint. RMDs, QCDs, and Roth conversion strategy are most impactful at $500,000+ in assets. If any of these apply to you, this section is not optional.
Medicare & IRMAA
RMDs & Retirement Distributions
Roth Conversion Opportunity
QCDs & Charitable Giving
Net Investment Income & Additional Medicare Tax
Capital Gains & Investment Review
Estate, Gifts & Beneficiaries

Questions to Bring to Your CFG Meeting

→What is my projected MAGI this year — and does it push me into a higher IRMAA tier two years from now?
→How much can I convert to Roth without crossing into the next bracket or IRMAA tier?
→Am I using QCDs efficiently — or leaving a tax deduction on the table by writing checks to charity instead?
→Is my Social Security taxation percentage being managed through withdrawal sequencing?
→Are my beneficiary designations, trust documents, and estate plan current given this year's return?

Ready to Take Control of Your Retirement?

Filing handles this year. Planning ahead is how you keep more of what you have built — for the rest of your life.
Speak to the team ➝

This checklist is provided for educational and informational purposes only and does not constitute personalized tax, legal, or financial advice. Tax laws and figures referenced reflect 2025 parameters and are subject to change. Figures including IRMAA thresholds, NIIT thresholds, QCD limits, standard deductions, and gift exclusions have been verified against IRS and CMS sources. Please consult a qualified CPA or tax professional regarding your individual situation. Creative Financial Group is not a fee-only firm.

Kurt Supe, John Culpepper and Brian Quick offer securities through cfd Investments, Inc., Registered Broker/Dealer, Member FINRA & SIPC, 2704 South Goyer Road, Kokomo, IN 46902, 765-453-9600. Kurt Supe, Andrew Drufke and Brian Quick offer advisory services through Creative Financial Designs, Inc., Registered Investment Adviser. Creative Financial Group is a separate and unaffiliated company. The CFD Companies do not provide legal or tax advice.

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