Year-End Financial Planning

Year-end is a great time for financial advisors and their clients to align on goals and review general planning considerations.


Year-end check-ins are valuable touchpoints for advisors and their clients. The end of the year is a great time to reflect on previous years and align on goals for the year ahead. It also inspires timely conversations on important topics:

  • Client investment portfolios, including goals, risk tolerance and liquidity needs over shorter and longer-term horizons
  • Tax planning, in partnership with tax professionals, including conversations about Tax Loss Harvesting
  • Retirement planning, including required minimum distributions (RMDs) at year-end
  • Estate planning, wealth transfer and charitable giving, to reduce future estate tax liability and help maximize lifetime gifting

Year-End Resources for you and your clients

Use these handy resources, including checklists, guides, and videos to better prepare for year-end conversations.

Resources to Download

Title Audience File
2023 Tax Guide All Audience
Charitable Giving Reference Guide All Audience
Charitable Giving - Investor Worksheet Retail Investor
Tax-Loss Harvesting: Turn Market Volatility into Potential Opportunity Retail Investor
Year-End Planning Checklist for Advisors Advisor-only
Investor Year End Checklist Retail Investor

Videos to watch

Title Audience Action
2023 Tax Planning Considerations and Opportunities All Audience
2023 Year-End Planning Opportunities for Investors All Audience
2023 Year End Planning Webinar Advisor-only
An Introduction to Charitable Giving
All Audience
Refresher on Tax Loss Harvesting (90 seconds) All Audience
Tax Loss Tile
Tax loss harvesting Investment Ideas for Redeploying Capital Learn More
Client Solutions
Client Solutions Your Clients’ Goals, Our Investment Solutions Explore Now


All investments contain risk and may lose value.

PIMCO does not provide legal or tax advice. Please consult your tax and/or legal counsel for specific tax or legal questions and concerns. The discussion herein is general in nature and is provided for informational purposes only. There is no guarantee as to its accuracy or completeness. Any tax statements contained herein are not intended or written to be used, and cannot be relied upon or used for the purpose of avoiding penalties imposed by the Internal Revenue Service or state and local tax authorities. Individuals should consult their own legal and tax counsel as to matters discussed herein and before entering into any estate planning, trust, investment, retirement, or insurance arrangement.

Statements concerning financial market trends or portfolio strategies are based on current market conditions, which will fluctuate. There is no guarantee that these investment strategies will work under all market conditions or are appropriate for all investors and each investor should evaluate their ability to invest for the long term, especially during periods of downturn in the market. Outlook and strategies are subject to change without notice.

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