Tax planning is the process of analyzing an individual’s or a business’s financial situation to optimize tax liabilities and ensure compliance with tax laws. It involves strategizing the timing and nature of income, investments, and deductions to minimize tax burdens while maximizing after-tax income. Effective tax planning takes into account current tax rates, credits, deductions, exemptions, and future changes in tax legislation. It seeks to align financial goals with tax advantages and may include actions such as choosing the right business structure, making retirement contributions, and timing the sale of assets. Ultimately, tax planning aims to enhance financial efficiency and increase wealth by reducing overall tax obligations.
Los jubilados aún deben pagar IRPF sobre las pensiones, no están exentos de impuestos. La pensión media en 2025 será de 1,490.5 euros mensuales. La tasa de retención del IRPF…