Ready to Review Your Year — Before the Deadlines Hit?
As the year winds down, so does your window to make strategic financial decisions that could impact your taxes, retirement savings, and long-term growth. Whether you’re finalizing charitable gifts, maximizing employer plan contributions, or reviewing your portfolio’s performance, acting early gives you a crucial advantage. Many financial moves require coordination among multiple parties — your advisor, CPA, and plan administrators — and waiting too long can limit your ability to act before year-end.
A well-timed year-end review helps you:
- Confirm contribution levels to your IRA, 401(k), or SIMPLE plan
- Finalize charitable giving and tax-loss harvesting strategies
- Review Required Minimum Distributions (RMDs) and cash flow needs
- Evaluate your investment alignment heading into 2026
Scheduling this review early also helps identify opportunities that aren’t obvious at first glance. For example, reviewing your realized gains and losses together can uncover whether a Roth conversion might make sense this year, or whether it’s better to defer certain income into next year for tax purposes. These decisions can meaningfully impact your overall plan — but only if there’s enough time left to execute.
Many of these opportunities close after December 31 - so the earlier you act, the better positioned you’ll be for the year ahead. A brief, focused review with your advisory team now can save stress and confusion later, while giving you clarity heading into the new year.
📞 Our team at Gaddis Premier is now scheduling end-of-year reviews.
Contact us to reserve your spot and finish the year strong.
