Client Chronicles: Your Quarterly Service Scoop
Important End-of-Year Reminders
As the leaves begin to turn, it’s a timely reminder that the end of the year is approaching—and with it, several important financial deadlines and opportunities. Our client services team is here to help you finish 2025 strong and set the stage for a successful 2026.
Required Minimum Distributions (RMDs)
It is that time of year to take out your required minimum distribution. We are going to start making calls in October to ensure that everyone completes them prior to the year-end deadline. Feel free to reach out to us ahead of getting a call!
Year-End Gifting Opportunities
The annual gift tax exclusion for 2025 is $19,000 per recipient
Married couples can gift up to $38,000 per person without triggering gift tax reporting. This is a great way to reduce your taxable estate while supporting loved ones.
Charitable giving also offers powerful tax benefits:
- Donating appreciated assets (like stocks) can avoid capital gains tax and provide a full-value deduction
- Donor-Advised Funds (DAFs) allow you to claim a deduction now and distribute gifts over time
- QCDs (Qualified Charitable Distributions) from IRAs for those over 70½ can fulfill RMDs while supporting causes you care about
We hope this season brings you joy and peace of mind. Thank you for trusting our team with your financial journey, we’re grateful to be part of it.
