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 Advisors and Clients

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

Title Type Action
2022 Tax Guide PDF
2022 Year-End Planning Checklist for Advisors PDF
2022 Year End Planning Strategies (7 minutes) Video
CE Webinar: 2022 Year End Planning Strategies (50 minutes) Webinar
Charitable Giving Reference Guide PDF
Making the Most of Year-End Planning Conversations (6 minutes) Video
Tax Loss Harvesting - A Tactical Opportunity (7 minutes) Video
Year-End Planning Strategies: Maximize Your Impact with Clients PDF
Title Type Action
2022 Tax Guide PDF
2022 Year-End Checklist for Investors PDF
Charitable Giving Reference Guide PDF
Introduction to Bonds PDF
Tax-Loss Harvesting: Turn Market Volatility into Potential Opportunity PDF
Understanding Inflation PDF
Volatility Checklist for Investors PDF
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 L.P. in the United States and throughout the world. ©2022, PIMCO.

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