Make the Most of Year-End Tax Planning

Year-end decisions can affect your taxes, investments, retirement income, and charitable plans. River Wealth Advisors helps you identify planning opportunities, understand the tradeoffs, and coordinate decisions with your accountant.

Effective planning may include evaluating a wide range of tax and financial planning topics. Your advisor considers how each choice fits within your full financial picture, then helps turn complex rules into clear, practical next steps. The checklist below highlights the areas where River Wealth can help you plan proactively and work more effectively with your tax professional.

Income and Tax Bracket Planning

We can help estimate your income, identify important tax thresholds, and evaluate whether income, deductions, withholding, or other decisions should be adjusted before year-end.

Retirement Savings and Cash Flow

We can work with you to review contribution choices, savings priorities, and your upcoming cash needs so retirement accounts and portfolio withdrawals support your broader plan.

Roth Conversion and Retirement Income Planning

We can model Roth conversions, required distributions, and withdrawal strategies to help manage taxes today while supporting your long-term retirement income.

Investment Tax Management

We can coordinate gains, losses, rebalancing, concentrated holdings, and equity compensation so tax considerations remain aligned with your investment strategy.

Charitable Giving

We help evaluate charitable giving strategies—including appreciated assets, donor-advised funds, and qualified charitable distributions—in the context of your broader tax and estate planning goals. We also develop intentional lifetime gifting strategies designed to reduce potential estate and gift tax exposure while proactively transferring wealth to loved ones and charitable causes.

Let us know how we can help you. If you would like to discuss any of the above strategies, please contact your wealth advisor now so we can help you evaluate your options and coordinate with your tax professional before December 31, 2026.