10/21/2026
📆 10 weeks left in 2026. Here's what I'm telling my clients to do before the ball drops. 🎆
Most tax savings aren't found in April. They're made right now. 👇
1️⃣ Max your 401(k). The 2026 limit is $24,500. If you're 50+, you can add $8,000 more, and ages 60–63 can add up to $11,250. Payroll has to process it by December 31, so check your last few paychecks now.
2️⃣ Fund your HSA. The limit is $4,400 for self-only coverage and $8,750 for family. You have until April 15, but you won't regret doing it sooner.
3️⃣ Harvest your losses. Selling losing investments can offset your gains. Watch the wash-sale rule, though.
4️⃣ Look at a Roth conversion. Low-income year? Converting at a lower rate now can save you a lot later. This one has to be done by December 31.
5️⃣ Business owners: buy equipment before year-end. Section 179 and bonus depreciation only count if the equipment is placed in service by December 31. Buying it isn't enough.
6️⃣ Open a Solo 401(k). If you're self-employed, set it up before year-end so you keep your options open.
7️⃣ Max your IRA. The limit is $7,500, plus $1,100 if you're 50+. You have until April 15.
8️⃣ Rebalance your portfolio. Do it inside retirement accounts when you can, to avoid triggering taxes so meet with your financial planner in conjunction with your tax planning.
9️⃣ Use up your FSA dollars. Check your plan's deadline so you don't lose that money.
🔟 Book your year-end tax planning meeting. Once January 1 hits, most of these options are gone.
⚠️ Not every move fits every situation. A Roth conversion or an equipment purchase that makes sense for one client can backfire for another. Run the numbers first.
💬 Want to know which of these moves fit your situation? Send me a message and we'll get your year-end plan on the calendar.
