Q4 Wealth Review & Planning 

Hello Southwest Region Leaders and Associates,

As we approach year-end, it’s the perfect time to reflect, plan, and set yourself up for a strong start in 2026. Use this concise checklist to close out 2025 with purpose and launch the new year with clarity:

 Celebrate Wins
• Reflect on what went well this year—both financially and personally.

 Tax Readiness
• Schedule your final CPA meeting to review 2025 projections.
• Verify escrowed tax reserves will cover expected liabilities.
• Identify end-of-year strategies to reduce projected taxes.

 Strategic Investments
• Consider tax-deferred assets: real estate, businesses, syndications.
• Invest in tax-deducting opportunities such as oil and gas drilling funds.
• Purchase business assets at year-end instead of waiting until next year to fully expense them.
• Complete cost segregations for each property.

 Max Out Accounts
• HSA: $4,300 (individual) | $8,550 (family)
• 401(k): $23,500 (<50) + catch-up for 50+
• Roth IRA: $7,000 (<50) | $8,000 (50+)
• SEP/Traditional IRA: same as above

 Wealth Check-Up
• Update Net Worth & Cash Flow statements.
• Adjust Fair Market Values for accuracy.
• Ask: What worked? What didn’t? What’s next?

 Build Your 2026 Wealth GPS
• Define measurable cash-flow goals (passive or active).
• Begin Q1 wealth actions now in Q4.

 Legal & Entity Review
• Confirm trusts, wills, and entities are aligned with wealth and liability goals.

 Recharge for 2026
• Finish strong. Recalibrate. Relaunch boldly.

 Pro Tip: Take one actionable item from each section this week to start Q1 2026 strong and focused!