Your Year-End Financial Checklist: Smart Moves to Lower Taxes and Boost Your Financial Well-Being
As we move toward the end of the year, it can be a good time to pause, breathe, and look gently at your financial landscape. I’ve noticed in my own life how this season can feel full—both in energizing ways and in ways that ask a little more of us. Between family commitments, travel, and the natural rush that comes with closing out the year, it’s easy to feel the pressure of deadlines. And yet, this window also brings meaningful opportunities to support your long-term well-being.
Whether you’re considering year-end gifts, looking for ways to thoughtfully manage your tax picture, or simply wanting clarity before stepping into a new year, these final weeks offer a chance to realign your financial decisions with what matters most to you.
Those year-end financial decisions are going to look different for everyone. It may involve harvesting losses, assessing capital gains, or confirming that all required minimum distributions have been met. It may mean reviewing your tax bracket and evaluating opportunities to accelerate or defer income. For those who are charitably inclined, this is a particularly supportive time to revisit, giving strategies that can create impact while also reducing taxes. Business owners may want to think about the timing of expenses or how recent tax reforms affect their personal returns. And for families, now is an ideal moment to look at cash flow, potential 529 contributions, or whether you can increase savings in your retirement plan before December 31st.
Because these windows can close quickly, we’ve created a year-end planning checklist that highlights 18 time-sensitive considerations to help guide your review. It’s designed to offer clarity and organization during a season that can easily feel overwhelming. You can access it here. As always, we are here to help you navigate these decisions with confidence, ease, and intention. If you’d like to talk through your year-end planning or identify the most meaningful opportunities for your situation, we would love to connect.
