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| Your peak earning years are a powerful time to build financial momentum—but it takes more than income. Strategic planning and informed decisions are key. As the year ends, consider these five areas to strengthen your financial foundation:
1. Investments 2. Tax Efficiency
3. Insurance Review
4. Education Planning
5. Set Goals for Next Year
The end of the year is the perfect moment to step back, review, and refine your approach. A few proactive decisions now can help you take full advantage of your earning years, reduce your tax burden, and build wealth. Together we can personalize these strategies and uncover opportunities you may not have considered. With thoughtful planning, you can enter the new year ready to grow. |
Rebalancing may be a taxable event. Before you take any specific action be sure to consult with your tax professional.
Cetera exclusively provides investment products and services through its representatives. Although Cetera does not provide tax or legal advice, or supervise tax, accounting or legal services, Cetera representatives may offer these services through their independent outside business. This information is not intended as tax or legal advice.
Generally, a donor advised fund is a separately identified fund or account that is maintained and operated by a section 501(c)(3) organization, which is called a sponsoring organization. Each account is composed of contributions made by individual donors. Once the donor makes the contribution, the organization has legal control over it. However, the donor, or the donor’s representative, retains advisory privileges with respect to the distribution of funds and the investment of assets in the account. Donors take a tax deduction for all contributions at the time they are made, even though the money may not be dispersed to a charity until much later.