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The Worst Investors (and What the Best Do Differently)

November 20, 2025

Curious if you might be making the same mistakes as the worst investors? If you want better results, start by avoiding the habits that wreck the worst portfolios.

The Retirement Huddle

Financial and retirement planning guidance with Mark Howard of the Howard Financial Group in Savannah.

Mark has almost three decades of experience in the financial industry, has been published in the Wall Street Journal, Barron’s, South Magazine and several other publications. He has also been featured on the Savannah Morning News.

In addition to clients in Savannah, Mark also serves Hilton Head, Bluffton, Statesboro, and the rest of the Low Country.

To get your own Financial Game Plan, contact Mark today at 888-511-PLAN (7526) or go to HowardFinancialGroup.com

Waiting until tax season to think about taxes is often too late. Many of the best opportunities require planning before the calendar year ends.

In this episode, Mark breaks down several strategies that may help reduce taxes over time, including donor-advised funds, SEP IRAs, HSAs, withholding adjustments, RMD planning, and qualified charitable distributions.

Here’s some of what we discuss in this episode:

💝 Bundle Giving: Donor-advised funds can improve charitable deductions

💼 Use SEP IRAs: Self-employed income may open another tax-saving opportunity

🧾 Check Withholding: Avoid giving the government too much all year

🏥 Use the HSA: Triple tax benefits can be powerful

📆 Plan RMDs Early: Don’t wait until December

Want to get in touch with Mark?

https://retirementhuddle.com/mark@howardfinancialgroup.com 888-511-7526

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5 Tax Strategies to Consider Before Year-End

October 1, 2026

Mark Howard