Tim Ulbrich, PharmD covers 10 practical year-end financial moves to reduce tax burden, build clarity, and start 2026 with confidence—plus a bonus step most people overlook.

Episode Summary

As 2025 winds down, it's tempting to push financial decisions into January. But some of the most impactful moves you can make happen before the calendar turns.

In this episode, YFP Co-Founder & CEO Tim Ulbrich, PharmD walks through 10 practical, foundational financial moves to make before 2026 to help you reduce tax burden, invest with intention, organize your financial life, and enter the new year with clarity and momentum.

The episode wraps with a bonus step that isn't on most year-end checklists but may be one of the most leveraged decisions you can make heading into 2026: evaluating whether it's time to hire a financial planner or reassess your current advisory relationship.

This is your financial "closing shift" for 2025—simple, intentional moves that quietly build confidence and long-term wealth.

What you'll learn in this episode:

• How to perform a year-end financial inventory and why tracking net worth is one of the most powerful planning habits.
• Which tax-advantaged accounts need attention before December 31 and how to prioritize last-minute contributions.
• The importance of rebalancing your investment portfolio and prepare for paycheck changes heading into a new year.
• Why organizing estate documents, beneficiaries, and a "legacy folder" creates clarity and peace of mind.
• How to set meaningful financial goals for 2026 and evaluate whether it's time to hire (or reassess) a financial planner.

Mentioned on the Show

• YFP Legacy Folder Checklist