Tax-Smart Moves Before April 15th
As April 15th approaches, it’s easy to feel the pressure of deadlines. But March can serve a different purpose — not as a rush to file, but as a thoughtful checkpoint.
There is still some time to review key areas of your financial picture, confirm alignment, and ensure there are no overlooked opportunities before tax season concludes. A proactive conversation now can bring clarity and confidence into the rest of the year.
Confirm Your Retirement Contributions
Many retirement accounts allow prior-year contributions up until the tax filing deadline. March is an ideal time to check:
- IRA contributions
- Roth IRA eligibility
- SEP IRA or solo 401(k) funding
- Catch-up contributions (if applicable)
Even if contributions have already been made, confirming they align with your broader strategy can provide reassurance before filing.
Revisit Income and Withholding
Changes throughout the year like a raise, bonuses, investment income, or retirement distributions can affect your tax picture.
While March may not be the time for dramatic adjustments, it is a good moment to confirm that income, withholding, and estimated payments are aligned with expectations. Small refinements today can help reduce surprises tomorrow.
Coordinate with Your CPA
Tax-smart planning works best when it’s coordinated.
A brief review between your advisor and CPA can help ensure retirement contributions, deductions, and broader financial strategies are working together. Coordination strengthens decision-making and keeps your long-term plan on track.
Avoid Last-Minute Decisions
When deadlines feel close, it can be tempting to make quick adjustments simply to “check the box.” Thoughtful planning is rarely rushed.
There’s still opportunity to review your situation before April 15th, taking a measured approach can help ensure decisions align with your long-term goals, not just the current filing season.
Support For This Filing Season and the Year Ahead
As we approach Tax Day, our 2025 Tax Planning Guide offers a clear overview of key considerations to revisit before submitting your return.
Looking ahead, our 2026 Tax Planning Guide is designed as a forward-focused planning resource, highlighting important deadlines, contribution limits, and other tax facts for easy reference throughout the year to come.
We hope these guides provide clarity as you prepare, and we’re always available should you want to continue the conversation.
Download 2025 Tax Planning Guide | Download 2026 Tax Planning Guide