The Intentional Wealth Masterclass™
Where women 50+ take control of their money and build wealth to fund their future & impact.
A free live class with Debra L. Morrison, CFP®.
By April, It's Too Late
The year-end tax moves women over 50 should know about before December 31.
Your tax bill is mostly decided by New Year's Eve. Your accountant in April is a historian, not a strategist. This is the hour where you find out which decisions are still yours to make.
📅 Wednesday, November 4 · 🕖 6pm ET / 3pm PT
💻 Live on Zoom
Register and I will send you my 'Before December 31st Prep Sheet' to fill in before we meet.
The thing nobody tells you about taxes
Here is how most of us were taught to think about taxes. You gather your papers in February. You hand them to someone. They tell you what you owe. You wince, you pay it, you put it out of your mind until next year.
Notice what is missing from that story.
You.
By the time those papers are on your accountant's desk, nearly every decision that could have changed that number has already been made or missed. The good ones and the expensive ones. Your accountant is not holding out on you. She is simply reporting what already happened.
The decisions live here, in these weeks. Between now and December 31 you still have real choices about what your money does, when income lands, where your giving goes, and which accounts you touch first. After that the window closes and the number is the number.
That is not a scary thought. It is a hopeful one. It means you have about eight weeks of actual power, and most women spend them not knowing they have any.
What you'll learn in this one free hour
What things actually cost you, once tax is in the picture. There is one small piece of arithmetic that changes how you see every expense and every contribution you make. A dollar is almost never a dollar. You will learn to run that number yourself, in your head, in about five seconds.
Which year your money lands in, and why it matters so much. Income does not always arrive when you expect, and you sometimes have more say over the timing than you realize. The same dollar can cost you very different amounts depending on which calendar year it lands in.
The retirement accounts still open to you this year. What goes in before December 31, which contributions actually lower this year's tax and which do not, and what changes in the last stretch before you retire.
Giving on purpose instead of by habit. Whether your giving does anything for you at tax time depends almost entirely on when you give, not how much. Most women have never been shown the timing, and it is the difference between a gift that counts and one that does not.
The deductions women routinely leave on the table. Not exotic loopholes. Ordinary things, overlooked because nobody ever walked us through the list. Medical, home, work, energy, and the ones hiding in a year you have already filed.
How a changed life changes your taxes. Widowhood, divorce, retirement, caregiving, selling a home. These are the years when life changes most, and each one moves your tax picture in ways that catch women off guard. Your filing status alone can be worth real money, and many women are using the wrong one.
Your own pay stub, read properly. It is telling you things nobody taught you to see, including whether you are giving the government an interest free loan every single month.
How to walk into your accountant's office as a participant. You will leave knowing what to ask, which will change the conversation you have in February more than anything else in this hour.
Come with it already filled in
When you register I will send you Before December 31, a five page prep sheet built for this class.
It has one short set of questions for each of the things above. They take about ten minutes, you can answer every one of them without knowing a thing about taxes, and you do it before we meet. Things like: list every retirement account you have, and beside each one write the last time you actually looked at it.
Then there is room to write what applies to you as we go, and a final page where you put down the moves that are still yours to make and the questions you are taking to your tax person.
Print it, bring it, write on it. Women who come with it filled in get far more out of the hour, because the teaching lands on their own situation instead of a hypothetical one.
What this hour is not
Let me be straight with you, because I think you have been oversold to before.
This is not tax advice for your specific situation. I am a CFP®, not your accountant, and I sold my practice in 2020. What I teach is the education nobody gave us, so that you can make informed decisions and ask far better questions of the professional who does know your numbers.
One hour cannot do your year-end planning for you. What it can do is show you which levers exist, which ones are likely yours, and what to do in the weeks you have left. That is worth your evening.
Register and I will send you my 'Before December 31st Prep Sheet' to fill in before we meet.
Debra L. Morrison, CFP® — MS in Retirement Planning · Accredited Estate Planner · Certified Grief Coach
48 years at the front of trailblazing for women and money — through the crashes of 1987, 2000, 2008, 2020, and every scary headline in between. Debra advised 34 client families — and their kids, and their grandkids — for 42 years before selling her practice, and now she does one thing: coach women to take radical responsibility for their money. No more blame, shame, guilt, or paralysis. She's famous for making complex concepts crystal clear using everyday analogies. No jargon. She talks English.
"We can do it, women — and that includes you."
tESTIMONIALS
What women are saying
"Her advice on finances is right on target."
"She's full of wit and wisdom. She will save you money and you'll have fun laughing at the same time. …I highly recommend Debra Morrison."
- Aurora Winter
"Letting go of the fear has set me free to move forward."
"I was holding onto my money, afraid of repeating past mistakes. Debra's education, combined with forgiving myself and releasing the fear, has set me free to invest again, and I'm excited to keep creating intentional wealth."
- Nancy Matthews
"I'm investing more money"
I'm investing more money, I'm out doing more things and having more fun and enjoying my life more."
- Susan Weiner
Register and I will send you the prep sheet to fill in before we meet.
In April you will find out what your tax bill is.
Between now and December 31, you can still change it.
One hour. The moves that are still yours to make.
📅 Wednesday, November 4 · 🕖 6pm ET / 3pm PT
Free · Live on Zoom
Register and I will send you my 'Before December 31st Prep Sheet' to fill in before we meet.