The holiday season is full of joy — and whole lot of to-dos. We get it. Between gifts, travel, family gatherings, and Christmas cookies, it’s easy for important financial tasks to slip to the back burner.

But here’s the good news: a few proactive year-end moves now can help you step into 2026 feeling organized, informed, and in control.

Key Retirement Items to Review Before 2026

• Roth conversions: Can reduce future taxable income when executed properly.
• Required Minimum Distributions (RMDs): Must be taken from applicable accounts before year’s end.
• Qualified Charitable Distributions (QCDs): A tax-smart way to give directly from your IRA if you’re 70½ or older.
• Beneficiary forms: Confirm both primary and secondary beneficiaries are clearly listed and up-to-date.
• Inherited IRA splits: If an IRA has multiple beneficiaries, it generally must be split by the deadline following the year of inheritance.

A Simpler Way to Tackle It All

To make this easier, Ed Slott & Company put together a clean, printable checklist you can scan in minutes and only dig deeper where it applies to you:
→ Click to download

Richmond Brothers is a proud member of Ed Slott’s Elite IRA Advisor Group℠, and we encourage you to use this education for awareness and planning discussions.

How We Help — No Matter Where You’re At

Whether you’re already part of our select family of clients or just getting to know us, our dedicated service team is here to assist with questions, help gather details, and coordinate next steps.

A Friendly Reminder

This checklist is meant to be:

• educational
• practical
• skimmable
• optional to explore deeper

No action is required unless it fits your situation, goals, and timing. We’re here to help you stress less and start 2026 feeling steady and prepared.

Have Questions?

If something here sparks a “hmm, I should look at that,” or you just want clarity before the new year, reach out — we’ll help point you in the right direction.

Because retirement planning doesn’t need to feel overwhelming. Just helpful.

FearLESS into 2026,
Richmond Brothers