Maximize Retirement Contributions – Ensure you’re making the most of 401(k), IRA, and HSA contributions. If you’re over 50, don’t forget those catch-up contributions!

Review Tax and Estate Planning – Consider year-end strategies like Roth conversions, charitable donations, and estate updates to reduce taxable income.

Evaluate Insurance Coverage – Double-check that your life, disability, and long-term care insurance meets your needs. Reviewing beneficiaries now can avoid future headaches.

Manage Debt and Optimize Interest Rates – Look at mortgage rates, high-yield savings, and credit lines to make sure you’re getting the best rates before the new year.

Update Investment Allocation – Rebalance your portfolio to align with your financial goals and take advantage of market opportunities.