Tis the time of the year for planning! As we near the end of the year it is a good time to look back at what has happened and consider how it could affect your financial future. Here are some important items to consider so that you can start the new year’s finances with peace of mind. For a downloadable and more comprehensive list click here.

• Review your tax holdings
• Estimate your AGL
• Estimate your AMT
• Select next year’s employer benefits
• Review your giving and charitable donation planning.
• Check/review any tax-loss harvesting and rebalancing you did this year
• Where are you at with your RMD’s?
• Have you maxed contributions to an IRA or employer retirement plan?
• Could a Roth conversion make sense for you this year? (See our recent article on Roth conversions during a bear market).
• Check your flexible savings account balances and consider next years’ plan
• Check your HSA contributions to ensure they are aligned with your current goals and needs

The information provided above is general in nature and is not intended to represent specific investment or professional advice. No client or prospective client should assume that the above information serves as the receipt of, or a substitute for, personalized individual advice from HoyleCohen, LLC, which can only be provided through a formal advisory relationship. 

Investment advisory services offered through HoyleCohen, LLC.

Clients of the firm who have specific questions should contact their HoyleCohen Advisor. All other inquiries, including a potential advisory relationship with HoyleCohen, should be directed to:

HoyleCohen, LLC
858.576.7300
info@hoylecohen.com