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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.

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

Videos to watch

Title Audience Action
2023 Tax Planning Considerations and Opportunities All Audience
Watch
2023 Year-End Planning Opportunities for Investors All Audience
Watch
2023 Year End Planning Webinar Advisor-only
EARN CE
An Introduction to Charitable Giving
 All Audience
Watch
Refresher on Tax Loss Harvesting (90 seconds) All Audience
Watch
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

Disclosures

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.

PIMCO as a general matter provides services to qualified institutions, financial intermediaries and institutional investors. Individual investors should contact their own financial professional to determine the most appropriate investment options for their financial situation. This material contains the opinions of the author but not necessarily those of PIMCO, and such opinions are subject to change without notice. This material has been distributed for informational purposes only and should not be considered as investment advice or a recommendation of any particular security, strategy or investment product. Information contained herein has been obtained from sources believed to be reliable, but not guaranteed. No part of this material may be reproduced in any form, or referred to in any other publication, without express written permission. PIMCO is a trademark of Allianz Asset Management of America LLC in the United States and throughout the world. ©2023, PIMCO.

CMR2023-0921-3128047