Year-End Planning: Setting Yourself Up for Success in 2026

As the year winds down, it’s the perfect time to take stock of your finances and set yourself up for a successful year ahead. Year-end financial planning doesn’t need to feel overwhelming—think of it as a reset button that helps you step into the new year with clarity and confidence.

Review Your Income & Expenses

Start with the basics: what did you earn, what did you spend, and where did it go? Tracking this gives you insights into spending patterns and areas for improvement.

Maximize Retirement Contributions

If you have an IRA, 401(k), or SEP, check whether you’ve contributed enough. These accounts not only save for your future but also provide valuable tax deductions.

Evaluate Investments

The end of the year is a great time to check your investment mix and rebalance if needed. Be mindful of capital gains taxes when selling investments.

Prepare for Taxes

Gather documents, review deductions, and plan with your tax advisor. For entrepreneurs, this may include making final equipment purchases or estimated tax adjustments.

Set 2026 Goals

Whether it’s saving for a home, paying off debt, or launching a business, get specific. Write down your goals and outline the first step for each.

At Be Well & Co., we help individuals and business owners align their money with their lifestyle goals. Let’s map out your 2026 financial plan together—book a session today.

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This reminder is provided for educational purposes only and does not constitute financial, legal, or tax advice. Please consult with a qualified professional about your specific situation.

Written by Courtney A. Mallow, IRS-Registered Tax Preparer, Certified Fraud Examiner (CFE), Certified Personal Financial Wellness Consultant℠, and Founder of Be Well & Co. Financial Consulting. Courtney helps self-employed individuals, people living abroad, and global professionals align their money with their values.