Year-End Portfolio Checklist | Adviser Investments
Special Report

Year-End Portfolio Checklist

December 16, 2022

Year-End Portfolio Checklist

When the days get shorter, it also means time is running out to make year-end tax-saving moves. This checklist outlines eight important year-end actions to consider as you close the books on 2022.

Click here to download it now!

Consider a rebalancing plan for your portfolio.

There are benefits to rebalancing, but the practice comes down to personal choice. Year-end is a good time to review your plan (even if the plan is to do nothing).

Read more about the upsides and drawbacks to rebalancing.

Know when the funds in your portfolio will be paying their distributions.

It’s common investment wisdom to avoid “buying a distribution.” Knowing when your funds will be paying out income or capital gains can help you make tax-conscious investments at year-end.

Visit our Adviser Fund Update page for more on what to expect this distribution season.

Review your tax-loss harvesting opportunities.

Losses can be used to offset other gains and income—lowering your tax bill—but be wary of creating fee headaches or running afoul of the wash-sale rule with your year-end tax trades.

Read more about tax-loss harvesting.

Consider your reinvestment options.

Many people automatically reinvest distributions into the funds that generated them, but it might make sense to strategically direct them to a money market fund.

Click here for more on reinvestment strategy.

Maximize retirement savings.

We advise our clients to contribute as much as they can to 401(k)s, IRAs and other retirement savings plans to put the power of tax-advantaged compounding to work.

See 2022 retirement savings contribution limits and rules.

Make sure you take all required minimum distributions (RMDs).

If you have traditional 401(k) or IRA accounts and are over the age of 72, you’re required to withdraw a certain amount each year by December 31 or face steep tax penalties.

Learn more about RMDs.

Create a charitable giving plan.

Planning your philanthropy ahead of time can increase the impact of your giving and reduce your tax burden.

Discover 5 common charitable giving strategies.

Review your financial plan.

Make sure your beneficiaries reflect your current wishes, your estate planning is in good shape and your budget is squared away for 2023.

Use our handy year-end financial planning checklist.

This material is distributed for informational purposes only; and is not financial or investment advice. Speak to your financial adviser before taking specific action. The investment ideas and opinions contained herein should not be viewed as recommendations or personal investment advice or considered an offer to buy or sell specific securities. Data and statistics contained in this report are obtained from what we believe to be reliable sources; however, their accuracy, completeness or reliability cannot be guaranteed.

Our statements and opinions are subject to change without notice and should be considered only as part of a diversified portfolio. You may request a free copy of the firm’s Form ADV Part 2, which describes, among other items, risk factors, strategies, affiliations, services offered and fees charged.


Past performance is not an indication of future returns. We do not provide legal or tax advice, nor sell insurance products. Tax, legal and insurance information contained herein is general in nature, is provided for informational purposes only, and should not be construed as legal or tax advice, or as advice on whether to buy or surrender any insurance products. Always consult an attorney or tax professional, or licensed insurance professional regarding your specific legal or tax situation, or insurance needs.


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