Autumn Audit: 7 Smart Financial Moves to Make Before Year-End

As the leaves change and the air cools, fall becomes the perfect season for reflection and preparation.

You’ve likely been busy building, earning, supporting others—and summer flew by. But before the holidays hit and the year wraps up, it’s worth taking a beat to check in on your finances.

I call it your Autumn Audit—a chance to reset, realign, and make intentional decisions that can impact your taxes, investments, and peace of mind heading into a new year.

Here are 7 Smart Financial Moves to Make This Fall:

1. Review Your Spending + Saving Habits

Look at your budget or bank statements. Are your spending habits aligned with your goals? Are you saving automatically?

Try this: See if you can increase savings by 1% before year-end.

2. Check In on Your 401(k) or IRA Contributions

Are you on track to max out? Even a small bump in contributions now can boost long-term growth and reduce taxable income.

Tip: For 2025, you can contribute up to $23,000 to a 401(k) and $7,000 to an IRA (plus catch-up if 50+).

3. Use Your FSA Dollars Before They Expire

Flexible Spending Account funds often have a “use it or lose it” deadline. Now is the time to book appointments or restock eligible items.

4. Evaluate Tax-Loss Harvesting Opportunities

If you have investments outside retirement accounts, this may be a good time to offset gains with losses strategically.

5. Plan for Charitable Giving

Charitable donations can be powerful—both for impact and for tax deductions. Decide where you want to give before the December 31 deadline.

6. Check Beneficiaries and Estate Documents

Life moves fast. If you’ve had major changes—marriage, divorce, kids, grandkids—review your will, trust, and beneficiaries.

7. Book Your Year-End Financial Planning Session

Whether you’re self-employed, nearing retirement, or juggling family responsibilities, a fall review can help you wrap up 2025 with clarity.

Let’s do it together.
Book your Portfolio Power Hour:  www.calendly.com/ashlinewcomb

Fall is a time of harvest.
Let’s make sure the seeds you’ve planted this year are setting you up for long-term success. 🍂

Autumn Financial Audit: 10-Minute Money Check-In

Investment advisory services offered through Kingsview Wealth Management, LLC (“KWM”), an SEC Registered Investment Adviser. Insurance products and services are offered and sold through Kingsview Trust and Insurance Services (“KTI”), by individually licensed and appointed insurance agents. KWM and KTI are subsidiaries of Kingsview Partners. KWM is an investment adviser registered with the Securities and Exchange Commission (“SEC”). Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed.