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Why November Is the Best Time for a Financial Review

Jordan Haddox |

While most people wait until January to make financial resolutions, November is often the most strategic month to take stock of your finances. You still have enough time to make meaningful changes before year-end, and you’ll avoid the last-minute stress that comes with December deadlines. A thoughtful November review can also help you spot potential tax savings opportunities and address any portfolio drift that might have gone unnoticed during the year. In short, November offers a rare combination of clarity and flexibility — the chance to review with perspective, yet still act before the window closes.

Here’s why November stands out:

  1. Tax Planning Opportunities: Many strategies — such as Roth conversions, charitable giving, and tax-loss harvesting — must be completed before December 31. Early planning ensures you have time to coordinate with your CPA or advisor rather than rushing in the final days of December.
  2. Retirement Account Optimization: Confirm you’ve contributed the right amount to your IRA, 401(k), or employer plan while there’s still time to adjust. Even modest catch-up contributions can compound significantly over time.
  3. Investment Rebalancing: Market volatility can shift your portfolio’s balance. November reviews help you realign risk levels before heading into the new year, and can also be a good time to consider whether your investments still match your income needs and risk tolerance.

A November review is about more than checking boxes — it’s about ensuring your financial picture aligns with your goals. By taking action now, you’ll position yourself for smoother transitions, fewer surprises, and greater financial confidence heading into 2026.

📞 Need help with your year-end review? Contact our team to schedule a personalized review before deadlines hit.