Q4 Financial Checklist (Last 90 Days)

The final 90 days of the year are your last chance to maximize contributions, reduce your tax bill, and set up a stronger start to 2026. Use this checklist to make sure nothing slips through the cracks.

1️⃣ Max Out Retirement Contributions

• Check 401(k), Solo 401(k), or IRA limits for 2025.

• Make any catch-up contributions if 50+.

• Contribute to HSA if eligible (pre-tax savings + potential investment growth).

2️⃣ Review Portfolio & Rebalance

• Look at your allocation: stocks vs bonds vs cash.

• Rebalance if you’ve drifted from your target.

• Consider tax-loss harvesting to offset gain

3️⃣ Evaluate Tax Deductions & Credits

• Charitable donations before year-end.

• Flexible Spending Account (FSA) use.

• Energy credits or other applicable deductions.

4️⃣ Pay Down High-Interest Debt

• Target credit cards or personal loans with 10%+ interest.

• Redirect savings toward debt to reduce interest costs next year.

5️⃣ Plan Year-End Bonuses or Extra Income

• Decide whether to invest, pay down debt, or save for taxes.

• Consider retirement plan contributions from bonuses.

6️⃣ Update Beneficiaries & Estate Documents

• Make sure 401(k), IRA, and insurance beneficiaries are current.

• Review wills and trusts if there are life changes.

7️⃣ Budget & Cash Flow Check

• Review October–December spending vs plan.

• Identify opportunities to save or redirect funds to investments.

8️⃣ Schedule a Quick Check-In with Your

Financial Advisor

• Even 15 minutes can help you identify missed opportunities or plan strategic moves before year-end.