{"id":8982,"date":"2024-12-07T20:43:05","date_gmt":"2024-12-07T19:43:05","guid":{"rendered":"https:\/\/oxfordwisefinance.com\/blog\/?p=8982"},"modified":"2024-12-07T20:43:14","modified_gmt":"2024-12-07T19:43:14","slug":"money-moves-to-make-before-2024-ends-6-essential-tips","status":"publish","type":"post","link":"https:\/\/oxfordwisefinance.com\/blog\/money-moves-to-make-before-2024-ends-6-essential-tips\/","title":{"rendered":"Money Moves to Make Before 2024 Ends: 6 Essential Tips"},"content":{"rendered":"
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Everyone knows that Santa’s busy making his list and checking it twice. But what type of list is he creating, you might wonder?<\/p>\n

It\u2019s an essential end-of-year financial checklist, of course.<\/p>\n

With Christmas and Hanukkah fast approaching and less than a month until the New Year, now is the perfect time to conduct a thorough financial checkup before 2025 begins. Many of the tasks involve proactive planning to prevent last-minute scrambling or worrying about things you should have already addressed, says Alanna Morey<\/b>, a private wealth advisor with Ameriprise Financial<\/b>. Your aim should be to have \u201cno surprises in 2025,\u201d she emphasizes.<\/p>\n

Investing the effort now to organize your financial situation will pay off in the long run. Keeping this in mind, here\u2019s a comprehensive end-of-year financial checklist for 2024.<\/p>\n

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Evaluate Your Budget and Spending Habits<\/h2>\n

According to Jaime Eckels<\/b>, a partner at Plante Moran Financial Advisors<\/b>, December presents an excellent opportunity to reflect on the past year and assess whether you remained on track with your financial goals.<\/p>\n

You should carefully review your credit card statements and ask yourself critical questions: How did your financial plans hold up? Were you able to adhere to your budget? Did you overspend on luxuries like espresso martinis or attending the Eras Tour, sacrificing your short-term savings for a new iPhone?<\/p>\n

\u201cWe often discuss the importance of budgeting, but it only proves effective if you take the time to reflect and see how your actual spending aligned with your goals,\u201d Eckels points out.<\/p>\n

From these insights, you can adjust your financial strategy for 2025. For example, if you struggled to follow the recommended 50-30-20 budgeting rule in 2024, consider refining those percentages. If rising home and auto insurance costs are impacting your budget, it may be time to shop around for more competitive rates.<\/p>\n

Maximize Your Retirement Contributions<\/h2>\n

Next, Morey<\/b> recommends assessing your retirement savings strategy. If you have an Individual Retirement Account (IRA), there\u2019s still an opportunity to maximize your contributions for 2024: the deadline for IRA contributions is April 15, 2025. You can contribute up to $7,000 ($8,000 if you\u2019re 50 or older) to your traditional and Roth IRAs, though it\u2019s essential to be aware of IRS income limitations.<\/p>\n

Additionally, you can contribute as much as $23,000 to your 401(k) for 2024 (with an additional catch-up contribution of $7,500 for those aged 50 and above). Generally, these contributions must be arranged through your employer, but it\u2019s not too late to reach out to your payroll department and request to increase your contributions from your remaining paychecks. Remember, 401(k) contributions must be completed by December 31.<\/p>\n

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Meet Important Year-End Financial Deadlines<\/h2>\n

New Year\u2019s Eve isn’t solely about celebrating with champagne and figuring out how to write \u201c2025\u201d for the first time. It’s also the critical deadline for older Americans to make Required Minimum Distributions<\/a><\/b> (RMDs) from their retirement accounts. (Be aware that the regulations surrounding these distributions have changed due to the SECURE 2.0 Act, so stay informed.)<\/p>\n

Moreover, December 31 is typically the last day to utilize funds in your Flexible Spending Account<\/a><\/b> (FSA), although some plans may have different deadlines. This money follows a use-it-or-lose-it policy. Fortunately, there are numerous ways to spend it: FSA-eligible items include sunscreen, vitamins, tampons, contact lenses, acupuncture sessions, travel pillows, and much more.<\/p>\n

Assess Your Investment Portfolio Strategy<\/h2>\n

Morey<\/b> suggests discussing with your financial advisor whether your investment portfolio still aligns with your long-term goals. A good starting point is to evaluate your comfort level with your current asset allocation, which refers to how your investments are distributed among stocks, bonds, and cash based on your risk tolerance, investment timeline, and financial objectives.<\/p>\n

Generally, younger investors can afford to take on more risk with their investment strategies. As you age, you may want to shift towards a more conservative approach with less exposure to stocks and more focus on safer investments.<\/p>\n

This time of year is also an excellent opportunity, according to Eckels<\/b>, to review your brokerage accounts and identify any potential tax-loss harvesting opportunities that could benefit your overall financial situation.<\/p>\n

Revise Your Estate Planning Documents<\/h2>\n

While contemplating festive decorations and enjoying holiday music, it\u2019s crucial to address estate planning, which may not be the most enjoyable topic but is essential. Eckels<\/b> emphasizes the importance of having a clear \u201ccrisis plan.\u201d While you can create a basic will using online services like LegalZoom<\/b>, consulting an estate attorney is often the wiser choice. They can assist you in crafting a comprehensive set of end-of-life documents, including medical and financial powers of attorney.<\/p>\n

If you already have an estate plan in place, don\u2019t assume you\u2019re finished. It\u2019s vital to review and update your documents regularly, as Eckels<\/b> advises.<\/p>\n

\u201cAre your provisions still relevant? Are the individuals designated ten years ago still the right choices for making your financial and healthcare decisions?\u201d she prompts. \u201cLife circumstances change, families evolve, and often we forget to revisit these important documents.\u201d<\/p>\n

Celebrate Your Financial Achievements<\/h2>\n

Finally, Morey<\/b> stresses the importance of taking a moment to celebrate your accomplishments. Yes, it’s vital! Amid the chaos of holiday preparations and the completion of your financial checklist, don\u2019t forget to acknowledge all the financial goals you\u2019ve achieved in 2024.<\/p>\n

This could range from receiving a salary increase, purchasing a new home, taking a long-awaited trip, or using credit card rewards for travel expenses\u2014whatever milestones motivate you moving forward.<\/p>\n

\u201cGive yourself credit for your hard work,\u201d she suggests. \u201cAcknowledge the effort you\u2019ve put in, and then set your sights on what you want to achieve in the coming year.\u201d<\/p>\n

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