Here’s my perspective on the best moves you can make in November 2025, especially for affluent investors focused on long-term financial planning and wealth management.
Bundling Deductions Before Year-End
For households that give charitably, bundling multiple years’ donations into a single tax year can increase the likelihood of itemizing, potentially improving tax efficiency. This strategy can be especially useful when paired with donor-advised funds, allowing contributions now and distributions later.
Improving Retirement Contributions
November is an ideal time to review retirement savings progress. Investors should confirm:
- 401(k) contributions are on track to reach annual limits.
- Catch-up contributions are being utilized for those eligible.
- Deferred compensation elections are properly allocated.
Topping off retirement buckets before Thanksgiving allows time to make any final adjustments.
Strategic Timing of Income and Expenses
For some investors, managing the timing of income recognition and deductible expenses can meaningfully influence their tax bracket. Reviewing these items now — not in late December — can provide greater flexibility and fewer rushed decisions.
Reviewing Capital Gains and Losses
Market performance in recent years has created realized gains for many portfolios. November is the window to evaluate capital loss positions that may help offset those gains. Tax-loss harvesting should be coordinated carefully with an investment policy to avoid unintended changes in long-term allocation.
Reaffirming Your Financial Plan Before December
The final weeks of the year can move quickly. November offers space to review:
- Savings and withdrawal targets
- Risk exposure across asset classes
- Estate documents due for updates
- Beneficiary designations across workplace plans
These steps reinforce alignment between your goals and current financial conditions.
A Practical Example
One household we work with recently bundled deductions and topped off retirement contributions before Thanksgiving, decreasing total income taxed at their marginal rate and creating additional flexibility heading into 2026. Small, well-timed decisions can have meaningful long-term impact.
Final Thought
November is the moment to finish the year with intention. Investors who address deductions, contributions, tax positioning, and portfolio alignment now can enter December more prepared — and better positioned for the opportunities ahead.
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