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December 19, 2025
The year is coming to an end. It’s the perfect time to take stock of your finances. Prepare for a strong start to 2026. Year-end financial planning doesn’t need to be complicated — just a few smart moves can make a big difference.
Review and Adjust Your Budget
Look back on your spending and saving habits this year. Find areas where you overspent and opportunities to trim costs. Consider setting new goals for the year ahead, like increasing your emergency fund or automating savings.
Maximize Tax Benefits
Don’t leave money on the table! Add funds to retirement accounts like a 401(k) or IRA before the year ends. Check for any tax-deductible expenses, such as charitable donations or business costs. A quick consultation with a tax advisor can uncover extra savings
.Tidy Up Investments
Revisit your investment portfolio to confirm it’s balanced and aligned with your risk tolerance. Sell off under performing assets if it makes sense for tax-loss harvesting, and reinvest in future growth opportunities.
Plan for the New Year
Set realistic financial goals for 2026 — whether it’s paying down debt, buying a home, or starting a side hustle. A clear plan, supported by consistent budgeting and savings, sets the tone for financial confidence all year long.
Taking these simple steps now can help you close out the year on a positive note. You will step into the new year prepared and financially empowered. Most importantly always check with you CPA and financial advisor.
Greg Rutolo | Loan Factory 
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