Why a Year-End Review Matters
The final months of the year often arrive faster than we expect. Between holidays, family gatherings, and business wrap-ups, it’s easy to put financial planning on hold. But a short year-end review can make a big impact on your long-term financial success.
At Keel Financial, we view this season as a powerful checkpoint — a moment to pause, assess, and make sure your strategy reflects where you are and where you want to go.
1. Review Contributions and Tax-Efficient Strategies
Before December 31st, take a moment to review your retirement and savings contributions:
- Maximize 401(k) or IRA contributions if you haven’t already.
- Contribute to HSAs or FSAs to take advantage of pre-tax savings.
- Consider charitable donations or gifts that could reduce your taxable income.
These small, strategic steps can help optimize your portfolio’s performance and set you up for a strong start in the new year.
2. Evaluate Your Cash Flow and Spending Habits
Your spending patterns this year may reveal opportunities for smarter cash management.
Are there recurring expenses you can reduce? Could idle cash be working harder through short-term investments or higher-yield savings solutions?
A year-end financial check-in helps ensure your liquidity and savings align with your goals — balancing comfort today with opportunity tomorrow.
3. Revisit Your Estate and Legacy Planning
This time of year also dovetails with Estate Planning Awareness Month, making it the perfect moment to review your estate documents, beneficiary designations, and trust structures.
Life changes quickly — and ensuring your estate plan is current can prevent headaches later.
Your financial advisor can help coordinate updates across your investment and estate plans so they continue to reflect your wishes and protect your family’s interests.
4. Prepare for the Year Ahead
A clear financial snapshot today sets the stage for better decisions tomorrow.
Use this season to:
- Rebalance your investment portfolio if needed
- Set new savings goals for 2026
- Schedule your annual financial review with your advisor
These proactive steps can help you enter the new year with confidence and clarity.
Small Steps, Meaningful Impact
Financial success isn’t built overnight — it’s sustained through consistent, intentional choices.
By making a few smart adjustments before year-end, you can strengthen your overall financial plan and position yourself — and your family — for long-term stability.
At Keel Financial, we’re here to help guide those next steps with clarity and purpose.
Connect with your advisor to schedule your year-end financial review and ensure your plan is ready for 2026.
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Disclosures
Content in this material is for general information only and not intended to provide specific advice or recommendations for any individual.
