The end of the year brings more than just holidays. 

It’s also a key moment to make tax-efficient moves that can shape your financial picture for the next year.

In this episode, Nick Russell and Becky Wagoner share a practical year-end checklist to help you stay proactive with your retirement accounts, avoid tax penalties, and make informed planning decisions before December 31. 

From Roth conversions to charitable donations, they break down what needs to be done now and what can wait until tax season.

Key Takeaways:

• The difference between calendar-year and tax-year deadlines for contributions
• Which accounts must be funded before December 31, and which can wait until tax filing
• How to handle required minimum distributions and use QCDs for charitable giving
• Tips on tax-loss harvesting, managing capital gains, and avoiding the wash-sale rule
• When and why to consider Roth conversions, plus timing strategies after retirement
• And more!

Connect with Sunrise Wealth Advisors: 

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