Turbo-Charge Your QBI & Retirement Strategy Under the New Law
For many digital entrepreneurs—whether you’re running a subscription-based SaaS or a boutique design studio—the 20% Qualified Business Income (QBI) deduction has been a cornerstone of tax savings since the Tax Cuts and Jobs Act. The 2025 Tax Relief for American Families and Workers Act permanently preserves that benefit, while also enhancing some retirement-related credits and deductions. When combined strategically, these provisions can unlock savings of $10K–$50K+ per year.
What Stayed, What Changed, and What’s New
QBI Deduction Remains at 20%
Income thresholds have been indexed: $75K for singles, $150K MFJ before phase-outs.
A minimum deduction of $400 for $1,000 of self-employed income ensures small-scale entrepreneurs get a larger benefit.
Indexed Retirement & Other Tax Deferred Accounts
401k Limits are $23,500 with Super Catch Up Retirement Contributions available for those who are between 60-63 for an additional $11,500 and all SEP limits are 25% or $70k.
Health Savings Accounts are now available for bronze and catastrophic health plans purchased through the Exchange.
ABLE Account contributions (for disabled people) now qualify for the Saver’s Credit—another layer of potential savings.
Expanded Retirement Rollover Opportunities
Roll unused 529 education savings into Roth IRAs (subject to new limits), turning unspent tuition dollars into retirement investments.
Why This Matters to You
Imagine you’re a founding partner in a fast-growing marketing agency:
You take 20% of your net profits off the top via QBI.
You max out a Solo 401(k) or SEP IRA to shelter additional profits—now with higher indexed limits.
Combined, those strategies can easily exceed $25K in annual tax savings—and lay the groundwork for long-term retirement security.
Your Next Steps
Assess Your QBI Eligibility
Confirm your filing status and income level relative to the new thresholds.
Identify any factor limits (e.g., wage or property tests) that could affect your deduction.
Optimize Retirement Contributions
Revisit your Solo 401(k), SEP IRA, or Roth IRA plan for higher, indexed contribution limits.
Explore ABLE (if you qualify) which is now eligible for the Saver’s Credit or new HSA eligibility opportunities with Exchange plans.
Map Out a Multi-Year Savings Plan
Use scenario projections to see how QBI + retirement moves compound over 3, 5, and 10 years.
“When you layer QBI, indexed retirement credits, and rollover options, you’re no longer just saving on today’s taxes—you’re funding tomorrow’s freedom.”
– Misty Newsome
Watch our full webinar unpacking these provisions and live Q&A here:
Ready to build your personalized QBI & Retirement Roadmap? Book your Tax Strategy Session today:
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Hear from others just like you...
Baleigh Alverson
Same Page Bookshop LLC
"Misty and her team did a phenomenal job with my taxes this year!! It was quick and painless, and when I did have some questions about what to do or what to upload they were thorough and quick to respond. Everything was extremely organized and fast! Will absolutely be using them again. Thanks!!"
Don Dulin
DonDulin.com LP
"My company has been through several well-meaning bookkeepers in the last several years, but they just couldn't get the job done. Then I found Misty and her crew. Wow, what a relief to finally find someone who really takes care of business! They took over and took care of all the things a bookkeeper should, and much more. I have less to fret about now, which gives me more time to conduct business and generate revenue."
Sharon Fry
Fry Outside Storage LLC
"Misty is amazing! We are so thankful to have her handle our personal & business taxes & our accounting & bookeeping. She is efficient, organized, thorough & constantly improving. I can't imagine running my business without her. I just wish we'd hired her sooner!"
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Meet the Owner
Misty Newsome, CPA, Masters of Accountancy
Misty Newsome is a seasoned CPA and the founder of Misty Newsome CPA LLC, a woman-owned virtual accounting firm serving growth-minded digital entrepreneurs nationwide. Over more than two decades in public and private accounting, she saw firsthand how many business owners were stuck in reactive mode—focused only on tax deadlines instead of strategic growth. Determined to change that, she developed her Financial 360 Deep Dive, a comprehensive approach that uncovers hidden opportunities, streamlines finances, and builds proactive tax strategies that actually grow profits.
Today, Misty and her team provide white-glove, tech-enabled accounting, bookkeeping, and advisory services that free clients from financial guesswork and give them the clarity, compliance, and confidence they need to scale.
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When you work with us, you’ll never be left guessing about your numbers or worrying if your business is IRS-ready. Our Clarity & Compliance Guarantee means:
Complete Financial Transparency – You’ll receive accurate, up-to-date client facing status in our Tax Dome Client Portal with clear explanations, so you know exactly where your business project stands at all times.
Proactive Error Prevention – We use multiple review checkpoints to catch and correct issues before they become costly problems.
On-Time Delivery – Reports, filings, and tax submissions are completed by the agreed deadlines, every time.
Satisfaction Commitment – If we miss a filing deadline or provide inaccurate information due to our error, we’ll cover any resulting IRS penalties and work at no additional cost to make it right.
With this guarantee, you get more than peace of mind—you get a financial partner who owns the responsibility for your numbers and stands behind every report we deliver.
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