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As we come to the end of the year, a question I generally receive: “What do I need to do before year-end financially?”

There’s way more we should do than we can do, but here are the top-5 easy things to do that will make a difference:

Max out your 401K contributions:\n
1. If you haven’t maxed out your 401K contributions for the year, and have the excess income to do so, think about funding a little more into your long-term retirement bucket these next few pay cycles.
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Make IRA contributions:\n
1. While you have until April 2024 to make your 2023 contributions, if you have the extra cash or know a bonus is around the corner, it’s never a bad thing to get these funded and done with.
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HSA Contributions:\n
1. Similar to IRAs, you have until April 2024 to make your 2023 HSA contribution, but seeing as this is one of the most tax-efficient vehicles that currently exists, you want to prioritize its funding.
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Charitable Donations:\n
1. Make your charitable donations before December 31^st. If you have appreciated stock that qualifies, look to use this first over cash. Often a Donor Advised Fund can be useful organizing your donations.
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Big Purchases in 2024:\n
1. Think ahead to 2024. Do you have any outsized purchases that you will be making. We want to be smart about how to invest your money and if you know a big purchase is around the corner, let’s talk about where best to park the cash in the interim.
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Year-end is a busy and exciting time with many events and gatherings. Take 10 minutes to go through this check-list and determine if there’s anything you can do today.

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