Anthony Bardi's Loose Change Newsletter

Anthony J. Bardi

Registered Representative

Enrolled Agent, LTC# 454

Tax and Financial Solutions, Inc.

151 SE 223rd Avenue

Gresham, OR 97030

Phone: 503-666-7909

November/December 2025

Moves to Make Before Year's End

Before you close the book on 2025, give yourself a head start on 2026. A year-end review of your portfolio and insurance policies can help ensure your investments are in line with your goals and your risks are properly covered for the new year.

Surprise - It's Taxable!

It's almost that time of year when you and the IRS must settle what you owe — or what the government owes you. Before you prepare your tax return, consider whether you'll need to include any of the taxable items listed below.

Smart Budgeting Tips After the Holidays

The holiday season often leads to overspending, leaving many feeling financially strained afterward. To get your finances back on track, start by reviewing your expenses and creating a realistic budget. List all sources of income and categorize your expenses, including essentials, debt payments, and discretionary spending.

Ways to Curb Holiday Spending

Although the winter holidays aren't here yet, now is a great time to prepare financially for them. For many people, this means starting with a plan, creating a budget and sticking to it. Here are a few ways you might accomplish this.

Successful Grocery Budgeting

Holiday grocery shopping can destroy your food budget in the blink of an eye. Save at the supermarket with these timely tips.

Holiday Tipping Guide: A Refresher

Tipping during the holidays is a nice way to show your appreciation to service providers for all they do for you during the year. Here are some general guidelines.

Preparing Financially for Winter

A severe snowstorm can increase vehicle accidents and cause property damage, hypothermia, heart attacks and carbon monoxide poisoning. They can create power outages that last for weeks.

Think About Charitable Giving at Year's End

Supporting a cause or charitable organization that 's important to you may be high on your year-end to-do list. Before the ball drops and you bring out the hats and noisemakers, take time to identify charities that you want to receive your donations.

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Tax and Financial Solutions, Inc. and LTM Marketing Solutions, LLC are unrelated companies. This newsletter was created by LTM Marketing Solutions, LLC and was not written or created by the named financial professional and does not necessarily represent the views and opinions of Cetera Wealth Services LLC or its subsidiaries. Securities offered through Cetera Wealth Services LLC, member FINRA/SIPC. Advisory services offered through Cetera Investment Advisers LLC, a registered investment adviser. Cetera is under separate ownership from any other named entity.

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