The end of the year can be a hectic time. You have the stress of the holidays, probably quite a bit of travel, plus a mix of revelry and fun… so it’s understandable that the last thing you’d want to think about is your finances. But with the year coming to an end, there’s a huge difference between something happening on December 31st and something happening the very next day. To recap, when you file your taxes next April, it covers everything from January 1st, 2023 through December 31st, 2023. If it happens on January 1st, 2024, that’s not something you’ll have to deal with until April 2025. And given interest rates, getting a deduction earlier or getting income later can mean a big difference taxwise. So, what are the things you need to do before the year ends? Table of Contents 1. Tax Loss Harvesting 2. Accelerate Deductions 3. Donate Appreciated Stock to Charity 3a. Use a Donor Advised Fund 4. Rebalance Your Portfolios 5. Review and Update Beneficiaries & Estate