As Christmas draws near and the season of giving fills the air, it’s a good time to pause and reflect on what truly matters. Sure, the gifts under the tree are exciting, but the most valuable gift you can give yourself and your loved ones this year? Peace of mind in retirement.

While it may not come in shiny paper and bows, the gift of financial security is one that keeps giving—year after year. Here’s how to unwrap it:

1. Give Your Future Self a Head Start
Whether you’re retired or close to it, year-end is the perfect time to review your portfolio, tax strategy, and income plan. Roth conversions, charitable contributions, and RMDs (Required Minimum Distributions) should all be top of mind. Taking time to reassess now can reduce future stress and create tax savings opportunities that set you up for success.

2. Prioritize Family Legacy
The holidays often bring multiple generations together. Take the opportunity to think about legacy planning. Is your estate plan up to date? Have you considered setting up a trust or gifting assets in a tax-efficient way? This is also a great moment to start open conversations with your loved ones about their roles and responsibilities in your plan.

3. Invest in Peace of Mind
Working with the right advisor can make all the difference. Financial confidence means more time for joy, travel, family, and all the things that truly make retirement magical. It also means knowing you’re not leaving money on the table or taking unnecessary risks.

Final Thought:
This year, consider wrapping up more than presents. Wrap up your year with clarity, strategy, and a plan for the future. A financially secure retirement isn’t just a dream—it’s the best gift you can give yourself and your family.