Tax Loss Harvesting – Un Eff Your Finances

Real Talk on Taxes with Anthony R. Ruffalo (Ep. 9)

By Un Eff Your Finances | February 13, 2025

Wondering how to navigate your tax forms this season without losing your cool—or your cash? Don’t worry, we’re here to break it down.

In this episode, Nicholas St. George teams up with Anthony Ruffalo, a social media legend and financial advisor, to get real about taxes and smart financial planning. Join us for full transparency and a few good laughs as Nicholas and Anthony help un-eff your finances just in time for tax season.

Nicholas and Anthony discuss:

(05:02) Deductible Dilemmas: Understanding what you can and can’t deduct
(12:42) Tax Time Preparedness: Anthony shares practical advice on not getting blindsided by missing paperwork
(15:11) Tax Loss Harvesting: Why selling a loss might be your new favorite strategy
(26:54) RMDs and Tax Planning: Simplifying your taxes in retirement planning
And more

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About our Guest:

Anthony R. Ruffalo is a CERTIFIED FINANCIAL PLANNER™ Practitioner. The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold a CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. Currently, only 62,000 individuals have obtained CFP® certification in the United States.

Anthony holds the series 24, 7, 66 securities licenses through LPL Financial as well as Life, Health, Long Term Care, Medicare Supplement, and Annuity licensures.

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Year-End Financial Planning: Get Ahead Before the Holidays Hit (Ep. 3)

By Un Eff Your Finances | November 21, 2024

What if December 31st is knocking at your door, and suddenly you realize you haven’t checked off your financial to-do list? Don’t worry; we’ve got you covered! Tune into this episode of Un Eff Your Finances with Nicholas St. George as we break down the essentials of year-end planning.

In this episode, Nicholas covers everything you need to know about smoothing out your financial journey before the year closes. With a focus on year-end planning, this episode lends a helping hand with a mix of humor and straightforward advice. It’s not about having a crystal ball, but it’s close!

Nicholas discusses:

(02:38) Maximizing retirement contributions and why a job switch could make it tricky
(04:16) The scoop on capital gains and tax loss harvesting
(07:30) How smart charitable contributions can save you on taxes while doing good
(10:12) Why reviewing your budget and savings goals is a must, even when things are peachy
(15:14) Updating estate plans so your assets go where you intend them to
(20:32) How insurance coverage checkups can be as crucial as that fire extinguisher you’ve never used
(23:23) Tackling tax liabilities head-on to prevent any unpleasant April surprises

Get ready to tick off your financial checklist with us – and remember, procrastination is your wallet’s worst enemy!

Connect with Nicholas St. George:

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