In this month’s webinar, Bob Gavlak and Nora Lamendola walk through the key financial moves to consider before December 31st so you can reduce surprises, optimize taxes, and head into 2026 with confidence.
The team covers tax-loss harvesting, contributions, RMDs, capital gains/dividends, charitable giving, Roth conversions, and more—keeping everything high-level and easy to understand.
The session also opens with a moment of gratitude for our veterans and active-duty military members, including Balance team members Adam and Shaun.
Key Takeaways
📌 Year-End Priorities:
Review contributions, RMDs, realized gains/losses, dividends, charitable plans, and opportunities to reposition for 2026.
📌 Tax-Loss Harvesting:
Sell investments that are down to offset gains or reduce taxable income—especially helpful for clients with concentrated stock or vested RSUs.
📌 Roth Conversions:
A chance to move money from pre-tax to Roth at potentially lower tax rates before 2026.
📌 Capital Gains & Dividends:
Know what you’ve realized this year and how it affects your tax bracket, IRMAA, and your overall plan.
📌 Charitable Giving:
Use donor-advised funds, QCDs, or appreciated securities to support causes and lower taxes.
📌 Ask Questions Anytime:
Audience questions are answered live throughout the webinar and again during dedicated Q&A.
📌 Want More Depth?
Full 45–60 minute webinars on Tax-Loss Harvesting, Roth Conversions, and Capital Gains/Dividends are available under Media → Webinars on the Balance website.
Why It Matters
Year-end is one of the most impactful windows for tax planning and strategy. A simple review now can help minimize your 2025 tax bill, avoid deadlines, and set up a stronger plan heading into 2026.
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This material is purely intended to be general and educational in nature, and should not be construed as specifically-tailored investment, financial planning, tax, legal, or other professional advice. Information and data contained herein is as-of the date of publication, and may be subject to change in the future without notice. Any investment performance referenced is purely past performance, which is no guarantee of any future performance. Nothing contained herein should be construed as an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or other financial product or investment strategy. All investment, tax, and financial planning strategies involve risk that you should be prepared to bear. You are highly encouraged to consult with professionals of your choosing before taking any action based on this material.