{"id":8997,"date":"2025-01-03T20:28:52","date_gmt":"2025-01-03T20:28:52","guid":{"rendered":"https:\/\/riverbend.objectivebrand.com\/?p=8997"},"modified":"2025-01-03T20:28:55","modified_gmt":"2025-01-03T20:28:55","slug":"tax-planning-in-2025","status":"publish","type":"post","link":"https:\/\/riverbend.objectivebrand.com\/?p=8997","title":{"rendered":"Tax Planning in 2025 &#8211; Finger Financial Five #195"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"8997\" class=\"elementor elementor-8997\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-5cce5a9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5cce5a9\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b634a27\" data-id=\"b634a27\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2e6cab3 elementor-blockquote--skin-border elementor-blockquote--button-view-icon-text elementor-blockquote--button-skin-classic elementor-widget elementor-widget-blockquote\" data-id=\"2e6cab3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"blockquote.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<blockquote class=\"elementor-blockquote\">\n\t\t\t<p class=\"elementor-blockquote__content\">\n\t\t\t\t\u201cA journey of a thousand miles begins with a single step.\u201d\t\t\t<\/p>\n\t\t\t\t\t\t\t<div class=\"e-q-footer\">\n\t\t\t\t\t\t\t\t\t\t\t<cite class=\"elementor-blockquote__author\">Lao Tzu<\/cite>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/twitter.com\/intent\/tweet?text=%E2%80%9CA+journey+of+a+thousand+miles+begins+with+a+single+step.%E2%80%9D+%E2%80%94+Lao+Tzu&amp;url=https%3A%2F%2Friverbend.objectivebrand.com%2F%3Fp%3D8997\" class=\"elementor-blockquote__tweet-button\" target=\"_blank\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fab-twitter\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M459.37 151.716c.325 4.548.325 9.097.325 13.645 0 138.72-105.583 298.558-298.558 298.558-59.452 0-114.68-17.219-161.137-47.106 8.447.974 16.568 1.299 25.34 1.299 49.055 0 94.213-16.568 130.274-44.832-46.132-.975-84.792-31.188-98.112-72.772 6.498.974 12.995 1.624 19.818 1.624 9.421 0 18.843-1.3 27.614-3.573-48.081-9.747-84.143-51.98-84.143-102.985v-1.299c13.969 7.797 30.214 12.67 47.431 13.319-28.264-18.843-46.781-51.005-46.781-87.391 0-19.492 5.197-37.36 14.294-52.954 51.655 63.675 129.3 105.258 216.365 109.807-1.624-7.797-2.599-15.918-2.599-24.04 0-57.828 46.782-104.934 104.934-104.934 30.213 0 57.502 12.67 76.67 33.137 23.715-4.548 46.456-13.32 66.599-25.34-7.798 24.366-24.366 44.833-46.132 57.827 21.117-2.273 41.584-8.122 60.426-16.243-14.292 20.791-32.161 39.308-52.628 54.253z\"><\/path><\/svg>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-blockquote__tweet-label\">Tweet<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/blockquote>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-80a17a7 elementor-widget elementor-widget-text-editor\" data-id=\"80a17a7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>We can\u2019t do everything all at once, but we can take the next best step.<\/p><p>\u00a0<\/p><h2><strong>Tax planning \u2018steps\u2019 for 2025<\/strong><\/h2><p>Another year is upon us already, and with it comes a few important changes.\u00a0<\/p><h3><strong>1. Contribution Limits for Retirement Accounts<\/strong><\/h3><p>For 2025, contribution limits to retirement accounts will increase a bit.<\/p><ul><li><strong>401(k), 403(b), 457 plans<\/strong>:<ul><li>Contributions for those under 50 are now: <strong>$23,500<\/strong><\/li><li>Total contributions for those 50-59 are: <strong>$31,000<\/strong><\/li><li>Special &#8220;super catch-up&#8221; contributions totaling <strong>$34,750 <\/strong>for those aged 60-63.<\/li><\/ul><\/li><li><strong>Health Savings Accounts (HSAs)<\/strong>:<ul><li>For individuals: <strong>$4,300<\/strong><\/li><li>For families: <strong>$8,550<\/strong><\/li><li>Additional <strong>$1,000<\/strong> catch-up for those 55+.<\/li><\/ul><\/li><li><strong>IRA Contributions<\/strong>: No changes from 2024 \u2013 (<strong>$7,000<\/strong> plus $1,000 catch-up for those over 50.)<\/li><\/ul><p><strong>Potential Action tips<\/strong>: It is always wise to consider the options available to you each year. It\u2019s important to attempt to find the right the balance between tax efficiency, other accounts, cash cushion goals, and regular spending goals. Regardless of the accounts you use, it\u2019s beneficial to set up automatic monthly contributions to keep your long-term savings plan on autopilot. The less you have to think about, the more consistent you are likely to be.<\/p><p>\u00a0<\/p><h3><strong>2. Tax Brackets<\/strong><\/h3><p>The 7 brackets will stay the same from a percentage basis. But the dollar ranges that fit into each bracket will update a bit. For instance: Earning $626,350 or more in 2025 as a single filer puts you in the top bracket. (Up from $609,350 in 2024).<\/p><p><strong>Potential action tips<\/strong>:<\/p><ul><li><strong>Capital gains opportunities<\/strong>: If your income stays below the 0% capital gains threshold ($48,350 for singles, $96,700 for couples). These thresholds are AFTER your standard deduction, so your taxable income could be as high as $120,000 MFJ and still be in the 0% bracket. It is better to pay 0% gains, than it is to defer taxes. Consider realizing gains on investments without incurring taxes.<\/li><li><strong>Roth conversions<\/strong>: The higher income thresholds also provide a greater range of potential opportunity to convert traditional IRAs to Roth IRAs.<\/li><\/ul><p>\u00a0<\/p><h3><strong>3. Qualified Charitable Distribution (QCD) Limit<\/strong><\/h3><p>For retirees 70.5 and older, the amount that can be donated tax-free to charity via a QCD will rise to <strong>$108,000<\/strong> (up from $105,000 in 2024).<\/p><p><strong>Potential Action tip<\/strong>: If you&#8217;re charitably inclined, QCDs are an excellent way to donate directly from your IRA without triggering income taxes. It can also satisfy required minimum distributions (RMDs) if you\u2019re 73 or older.<\/p><p>\u00a0<\/p><h3><strong>4. Estate and Gift Tax Changes<\/strong><\/h3><p>2025 will see increases in both the estate and gift tax thresholds, creating more opportunities for tax-efficient wealth transfer.<\/p><ul><li><strong>Estate Tax Exemption<\/strong>: The amount exempt from estate tax will rise to <strong>$13.99 million per person<\/strong><\/li><li><strong>Gift Tax Exclusion<\/strong>: The annual exclusion increases to <strong>$19,000<\/strong> per recipient, or <strong>$38,000 <\/strong>for couples.<\/li><\/ul><p><strong>Potential Action tip<\/strong>: Keep your ear out to see if this stays in effect or not (Congress and the presidential administration will determine if the rule here gets extended or if it expires.) Regardless of the estate tax exemption, you can take advantage of the yearly gift tax exclusion that does NOT count towards the estate tax total.<\/p><p>\u00a0<\/p><p><strong>5. Prescription Drug Costs<\/strong><\/p><p>Medicare Part D recipients will see significant relief in 2025, with annual out-of-pocket costs capped at <strong>$2,000<\/strong>. Additionally, a new payment program allows seniors to spread their prescription costs throughout the year.<\/p><p><strong>\u00a0<\/strong><\/p><p>This list isn\u2019t covering every single change, but these ones we mentioned are good ones to pay attention to. These updates we send out are with the goal of helping you save more, reduce your tax burden, and prepare for future needs. There is never a better time than the present to review your strategy and consider potential opportunities.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-458e1a9 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"458e1a9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-9e6dc49 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9e6dc49\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-512c2ee\" data-id=\"512c2ee\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7c081d1 elementor-widget elementor-widget-image\" data-id=\"7c081d1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"768\" height=\"960\" src=\"https:\/\/riverbend.objectivebrand.com\/wp-content\/uploads\/2024\/12\/Tina-VonCanon-Website-768x960.jpg\" class=\"attachment-medium_large size-medium_large wp-image-8922\" alt=\"Tina VonCanon\" srcset=\"https:\/\/riverbend.objectivebrand.com\/wp-content\/uploads\/2024\/12\/Tina-VonCanon-Website-768x960.jpg 768w, https:\/\/riverbend.objectivebrand.com\/wp-content\/uploads\/2024\/12\/Tina-VonCanon-Website-240x300.jpg 240w, https:\/\/riverbend.objectivebrand.com\/wp-content\/uploads\/2024\/12\/Tina-VonCanon-Website-610x763.jpg 610w, https:\/\/riverbend.objectivebrand.com\/wp-content\/uploads\/2024\/12\/Tina-VonCanon-Website.jpg 792w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-66 elementor-top-column elementor-element elementor-element-1da6304\" data-id=\"1da6304\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c1a8066 elementor-widget elementor-widget-text-editor\" data-id=\"c1a8066\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><em>News from around the office, <\/em>welcome Tina Voncannon to Riverbend! She will be on the client service side and is skilled at technology, spreadsheets, and the \u2018details\u2019. As many of you know, I need detail people around me. Especially, those that can proofread my FFF newsletters, right Jason? Jim??<\/p><p>We asked Tina to answer some questions so you can get to know her a bit:<\/p><p>Where did you grow up? Born in Charleston, SC, lived in Easley, SC until 1984.<\/p><p>When did you move to the Myrtle Beach area? In 1984 moved from Easley to Surfside Beach, left for Charlotte in 1994, returned back to the beach in 2021.<\/p><p>How long have you been in the industry? I\u2019ve been in the financial industry for almost 30 years. The last 14 have been in investment operations\/transitions.<\/p><p>What&#8217;s your favorite hobby and food? If I had to pick one hobby, it would be something that gets the adrenaline pumping, like ziplining, roller coasters, fast cars, etc. I have a goal to sky dive one day, and to bungee jump one day. I also love the beach, the pool, etc. just enjoying the sun, the water, etc. with my husband.\u00a0\u00a0 My favorite food is difficult because I eat more for sustenance than pleasure, but a nice filet mignon is always a treat<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-6dd9af0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6dd9af0\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a7756cc\" data-id=\"a7756cc\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-70e5ac1 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"70e5ac1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7ac4705 elementor-widget elementor-widget-text-editor\" data-id=\"7ac4705\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><em>On the lighter side, <\/em>HAPPY NEW YEAR! 2025, just WOW. Time sure goes faster as you age. Feels like yesterday my wife and I got married on 12-30-2001! Just kids we were. We celebrated over pizza at Crave with Elliott.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7b1d545 elementor-widget elementor-widget-gallery\" data-id=\"7b1d545\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;gallery_layout&quot;:&quot;justified&quot;,&quot;lazyload&quot;:&quot;yes&quot;,&quot;ideal_row_height&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:200,&quot;sizes&quot;:[]},&quot;ideal_row_height_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:150,&quot;sizes&quot;:[]},&quot;ideal_row_height_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:150,&quot;sizes&quot;:[]},&quot;gap&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:10,&quot;sizes&quot;:[]},&quot;gap_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:10,&quot;sizes&quot;:[]},&quot;gap_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:10,&quot;sizes&quot;:[]},&quot;link_to&quot;:&quot;file&quot;,&quot;overlay_background&quot;:&quot;yes&quot;,&quot;content_hover_animation&quot;:&quot;fade-in&quot;}\" data-widget_type=\"gallery.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-gallery__container\">\n\t\t\t\t\t\t\t<a class=\"e-gallery-item elementor-gallery-item elementor-animated-content\" href=\"https:\/\/riverbend.objectivebrand.com\/wp-content\/uploads\/2025\/01\/JeremyIrean-2.jpg\" data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"7b1d545\" data-elementor-lightbox-title=\"Jeremy&amp;Irean (2)\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6ODk5OSwidXJsIjoiaHR0cHM6XC9cL3JpdmVyYmVuZC5vYmplY3RpdmVicmFuZC5jb21cL3dwLWNvbnRlbnRcL3VwbG9hZHNcLzIwMjVcLzAxXC9KZXJlbXlJcmVhbi0yLmpwZyIsInNsaWRlc2hvdyI6IjdiMWQ1NDUifQ%3D%3D\">\n\t\t\t\t\t<div class=\"e-gallery-image elementor-gallery-item__image\" data-thumbnail=\"https:\/\/riverbend.objectivebrand.com\/wp-content\/uploads\/2025\/01\/JeremyIrean-2-300x203.jpg\" data-width=\"300\" data-height=\"203\" aria-label=\"Jeremy and Iren\" role=\"img\" ><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-gallery-item__overlay\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<a class=\"e-gallery-item elementor-gallery-item elementor-animated-content\" href=\"https:\/\/riverbend.objectivebrand.com\/wp-content\/uploads\/2025\/01\/Jeremy-Irean-1.jpg\" data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"7b1d545\" data-elementor-lightbox-title=\"Jeremy and Iren\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6OTAwMCwidXJsIjoiaHR0cHM6XC9cL3JpdmVyYmVuZC5vYmplY3RpdmVicmFuZC5jb21cL3dwLWNvbnRlbnRcL3VwbG9hZHNcLzIwMjVcLzAxXC9KZXJlbXktSXJlYW4tMS5qcGciLCJzbGlkZXNob3ciOiI3YjFkNTQ1In0%3D\">\n\t\t\t\t\t<div class=\"e-gallery-image elementor-gallery-item__image\" data-thumbnail=\"https:\/\/riverbend.objectivebrand.com\/wp-content\/uploads\/2025\/01\/Jeremy-Irean-1-254x300.jpg\" data-width=\"254\" data-height=\"300\" aria-label=\"Jeremy and Iren\" role=\"img\" ><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-gallery-item__overlay\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>\u201cA journey of a thousand miles begins with a single step.\u201d Lao Tzu Tweet We can\u2019t do everything all at once, but we can take the next best step. \u00a0 Tax planning \u2018steps\u2019 for 2025&#8230; <a class=\"read-more\" title=\"FULL STORY\" href=\"https:\/\/riverbend.objectivebrand.com\/?p=8997\">Read More<\/a><\/p>\n","protected":false},"author":3,"featured_media":9005,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"categories":[4],"tags":[316,63],"class_list":{"0":"post-8997","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-finger-financial-five","8":"tag-316","9":"tag-tax","10":"entry"},"acf":[],"_links":{"self":[{"href":"https:\/\/riverbend.objectivebrand.com\/index.php?rest_route=\/wp\/v2\/posts\/8997","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/riverbend.objectivebrand.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/riverbend.objectivebrand.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/riverbend.objectivebrand.com\/index.php?rest_route=\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/riverbend.objectivebrand.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=8997"}],"version-history":[{"count":5,"href":"https:\/\/riverbend.objectivebrand.com\/index.php?rest_route=\/wp\/v2\/posts\/8997\/revisions"}],"predecessor-version":[{"id":9004,"href":"https:\/\/riverbend.objectivebrand.com\/index.php?rest_route=\/wp\/v2\/posts\/8997\/revisions\/9004"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/riverbend.objectivebrand.com\/index.php?rest_route=\/wp\/v2\/media\/9005"}],"wp:attachment":[{"href":"https:\/\/riverbend.objectivebrand.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=8997"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/riverbend.objectivebrand.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=8997"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/riverbend.objectivebrand.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=8997"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}