As we head into the final quarter of the year, it’s the perfect time to pause and make sure all the important financial pieces are falling into place before year-end. This season is all about being proactive: running tax projections, reviewing retirement contributions, making strategic charitable gifts, and evaluating whether a Roth conversion makes sense for your situation. We’re also keeping a close eye on the markets for potential tax-loss harvesting opportunities to help offset gains where possible.
By taking a thoughtful approach now, you can help minimize surprises at tax time and make the most of the opportunities available before the year closes.
Key Deadlines
By December 31, 2025
- 401(k) / 403(b) Contributions
- SIMPLE IRA: Employee Contributions
- After-Tax Backdoor Roth IRA Conversions
- Roth IRA Conversions
- Required Minimum Distributions (RMDs)
- Donor-Advised Fund (DAF) Contributions
- Please ensure that DAF paperwork for appreciated security transfers is signed by December 2, 2025.
A quick note for those age 50 and older: beginning in 2026, catch-up contributions for 401(k) plans must be made to Roth (after-tax) accounts for individuals earning more than $145,000.
By April 15, 2026 (for the 2025 Tax Year)
- Traditional IRA Contributions
- Roth IRA Contributions
- SEP IRA Contributions
- Health Savings Account (HSA) Contributions
Contribution Logistics
For those with Schwab i401(k)s, please note that a physical check is required for contributions.
You can:
- Mail it to our office by December 19, 2025
- Drop it off at our office by December 24, 2025, at 12 PM
- Deposit it directly at your local Schwab branch
If this is your first time contributing, please allow additional time for the account to be established.
Required Minimum Distributions
If you are subject to RMDs and haven’t yet satisfied the requirement, our team will reach out before year-end to ensure it’s completed on time.
Looking Ahead
As always, thank you for your continued trust and partnership. We’re honored to help guide your financial life and planning strategy.
Here’s to a successful year-end and a bright financial future in 2026 and beyond.
Warm regards,
Your Trusted Team at Relevé Financial Group
Nadine Thibault | Director, Advice Team, Private Wealth Advisor | CFP®, BFA™ | It is our mission to help you think differently about your wealth so you can LIVE WELLthy™ today and tomorrow.