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Quarter-Four Checkup: Budgets, Benefits, and a Smarter Portfolio
Year-end can either drain your wallet or sharpen your plan. We chose the latter and mapped out a clear, 15-minute money tune-up you can run before the holidays hit full speed. We start with practical steps to tame seasonal spending—set a simple gift cap, try a family name-draw, coordinate with grandparents, and lock in travel numbers—so December doesn’t turn into a last-minute splurge-fest. With your holiday budget set, we pivot to boosting savings the smart way: adjust 401(k) contributions after pay changes, consider Roth options for tax flexibility, and automate a Roth IRA so you’re not scrambling at tax time.
Markets have been strong, which makes rebalancing more important, not less. If large-cap growth has crept beyond your target, we explain how to trim gains and add to value or international to keep risk in check. Nearing retirement? Bonds aren’t just ballast anymore. With yields back, fixed income can provide income and act as a shock absorber when stocks get jittery. We share a practical guideline for increasing bond exposure as retirement approaches and how to tailor it to your timeline and withdrawals.
Open enrollment is your once-a-year chance to upgrade benefits. We break down the high-deductible health plan plus Health Savings Account combo, the triple tax advantages, and a strategy to invest HSA dollars for those expensive pre-Medicare years if you want to retire early. We also cover using up FSA balances on preventive care you might be delaying. To wrap, we streamline your financial footprint: consolidate old 401(k)s, reduce logins, and manage every account under one unified allocation so your portfolio works as a single, coherent plan.
If this helped you steady your year-end money plan, follow the show, share it with a friend who needs a nudge, and leave a quick review—tell us the first task you’re tackling today.
Envision Financial Planning. 5100 Poplar Avenue, Suite 2428, Memphis, TN 38137. (901) 422-7526. This communication is strictly intended for individuals residing in the United States. Advisory Services offered through Envision Financial Planning, a Registered Investment Adviser.
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By Stacey Hyde
5
33 ratings
Year-end can either drain your wallet or sharpen your plan. We chose the latter and mapped out a clear, 15-minute money tune-up you can run before the holidays hit full speed. We start with practical steps to tame seasonal spending—set a simple gift cap, try a family name-draw, coordinate with grandparents, and lock in travel numbers—so December doesn’t turn into a last-minute splurge-fest. With your holiday budget set, we pivot to boosting savings the smart way: adjust 401(k) contributions after pay changes, consider Roth options for tax flexibility, and automate a Roth IRA so you’re not scrambling at tax time.
Markets have been strong, which makes rebalancing more important, not less. If large-cap growth has crept beyond your target, we explain how to trim gains and add to value or international to keep risk in check. Nearing retirement? Bonds aren’t just ballast anymore. With yields back, fixed income can provide income and act as a shock absorber when stocks get jittery. We share a practical guideline for increasing bond exposure as retirement approaches and how to tailor it to your timeline and withdrawals.
Open enrollment is your once-a-year chance to upgrade benefits. We break down the high-deductible health plan plus Health Savings Account combo, the triple tax advantages, and a strategy to invest HSA dollars for those expensive pre-Medicare years if you want to retire early. We also cover using up FSA balances on preventive care you might be delaying. To wrap, we streamline your financial footprint: consolidate old 401(k)s, reduce logins, and manage every account under one unified allocation so your portfolio works as a single, coherent plan.
If this helped you steady your year-end money plan, follow the show, share it with a friend who needs a nudge, and leave a quick review—tell us the first task you’re tackling today.
Envision Financial Planning. 5100 Poplar Avenue, Suite 2428, Memphis, TN 38137. (901) 422-7526. This communication is strictly intended for individuals residing in the United States. Advisory Services offered through Envision Financial Planning, a Registered Investment Adviser.