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The end of the year can be one of the most valuable times to review your finances. Many tax, retirement, investment, insurance, and estate-planning opportunities are tied to the calendar year - and some may be harder to address once December 31 has passed.

Rather than waiting until tax season to look backward at what happened, year-end planning gives you an opportunity to look forward and make intentional decisions while there is still time.

Here are five financial planning moves to consider before year-end.

When it comes to building wealth, most people focus on returns. But sustainable wealth isn’t just about chasing growth—it’s about structure, balance, and repeatability. One simple way to think about this is through what we call the Triangle of Wealth.

When people hear the term family constitution, they often picture wealthy families, private advisors, and complex legal documents. In reality, a family constitution has nothing to do with money alone—and it’s not just for the ultra-rich.

At its core, a family constitution is simply a written statement of a family’s shared values, goals, and agreements. It helps families communicate better, make decisions with intention, and stay aligned across generations. And increasingly, everyday families are discovering how powerful this simple tool can be.

When most people hear the phrase “generational wealth,” they picture billionaire families, sprawling estates, and investment portfolios passed down through the ages.