Happy Thanksgiving from Skyblue Wealth | Gratitude, Growth & Year-End Financial Tips

Thanksgiving always sneaks up on us, doesn’t it? One minute we’re soaking up the last bit of summer sunshine, and the next, we’re picking out pies and making travel plans. But in the middle of all the holiday hustle, there’s this magical pause—a moment to breathe and appreciate everything that matters.

Here at Skyblue Wealth, we want you to know just how much you matter to us.

Whether we’ve worked with you for years or we’re celebrating our first holiday season together, your trust, conversations, and commitment to your financial future are what inspire us every single day. This Thanksgiving, we’re raising a toast (or a forkful of stuffing!) to you—your resilience, your goals, and the incredible steps you’ve taken toward financial confidence.

Reflecting on the Year: Gratitude Meets Growth

Before the year wraps up, many of us naturally start reflecting—on wins, challenges, lessons, and the goals ahead. And honestly, that’s one of the best parts of this season. It invites a little introspection, which just so happens to pair nicely with sound financial planning.

Here are a few financial themes especially relevant this time of year:

1. Year-End Tax Planning: Last Call for Smart Moves

As December 31 creeps up, so do opportunities to improve your tax situation. This is the season for questions like:

• Have you maxed out your retirement contributions?

• Are there charitable donations you want to make before year-end?

• Would a Roth conversion make sense this year?

• Any capital gains you may want to intentionally offset?

  
  

These aren’t just technical to-do’s—they’re powerful levers that help protect and grow your wealth. And don’t worry, we’re here to help you navigate all of them with clarity and confidence.

2. Charitable Giving: A Season for Generosity

Thanksgiving is practically wrapped in the spirit of giving, isn’t it? If charitable giving is part of your financial or personal values, this time of year is ideal to revisit your strategy.

Options to consider:

• Direct donations

• Donor-advised funds

• Gifting appreciated securities

• Qualified charitable distributions (QCDs), if you’re 70½+

  
  

Giving intentionally can support the causes you care about and create meaningful tax benefits. Talk about a win–win.

3. Required Minimum Distributions (RMDs): Don’t Let Them Slip By

If you’re at the age where RMDs apply, consider this your friendly holiday-season reminder—December 31 is the deadline for most retirement accounts. Missing it can lead to penalties, and no one wants that showing up under the tree.

Skyblue Wealth can help ensure everything is properly calculated and scheduled before the year ends.

4. Reviewing Your Portfolio: A Quick Financial “Checkup”

Just like we tune up our homes for winter, it’s smart to give your investment portfolio a seasonal checkup as well.

Ask yourself:

• Has your risk tolerance changed?

• Did any life events shift your financial priorities?

• Are your investments still lining up with your long-term goals?

  
  

Markets shift, life happens, and adjustments may be needed. It's totally normal—and completely manageable with a guided strategy.

5. Setting Goals for the New Year

Thanksgiving marks the beginning of the “future-thinking” stretch of the year. Before things get too busy, it’s worth jotting down or revisiting your financial goals.

Maybe you want to:

• Save more intentionally

• Pay off a big expense

• Prepare for retirement

• Plan a major purchase

• Build more generational wealth

  
  

Whatever your vision looks like, Skyblue Wealth is ready to help you turn those ideas into concrete, actionable steps.

A Heartfelt Thank You from Our Team

Every conversation, every meeting, every milestone reached—it all reminds us why we do what we do. And none of it would be possible without the trust and partnership of clients like you.

This year has brought its own surprises and opportunities, but through it all, we’ve witnessed your resilience, optimism, and determination to build a brighter future. That inspires us more than you know.

So from all of us at Skyblue Wealth, thank you.

Thank you for choosing us.Thank you for growing with us.Thank you for allowing us to be part of your financial story.

We don’t take that privilege lightly.

What’s Ahead: Supporting Your Financial Journey Into the New Year

As we move into the holiday season and eventually into a brand-new year, our team remains dedicated to helping you feel supported, informed, and empowered.

Here’s what you can expect from Skyblue Wealth in the months ahead:

• Continued personalized financial guidance

• Proactive strategies that reflect current market conditions

• Transparent conversations about your goals and progress

• A partner who’s always in your corner

  
  

We’re already gearing up for an exciting year ahead—and can’t wait to continue walking this financial journey with you.

FAQs

1. Is it too late to start year-end tax planning?

Not at all! Many strategies can still be implemented before December 31, but timing is key—reach out soon so we can help optimize your plan.

2. Does charitable giving really make a difference financially?

Absolutely. With the right structure, giving can reduce taxable income, offset gains, and even fulfill RMD requirements (through QCDs).

3. Should I schedule a year-end review?

We highly encourage it. This ensures your financial plan is aligned with your goals and sets you up for a strong start to the new year.

4. What’s the best way to prepare for my financial goals for next year?

Start by outlining what’s most important to you. From there, we can help turn those priorities into a customized, actionable plan.

Wrapping Things Up

As you gather around the table this Thanksgiving—sharing stories, passing plates, and soaking in all those little moments—we hope your holiday is filled with warmth, gratitude, and joy. And remember, Skyblue Wealth is right here cheering you on, ready to support your financial goals today, tomorrow, and long into the future.

From our family to yours, Happy Thanksgiving!

If you'd like to schedule a year-end review or talk through any of the ideas mentioned above, we’re just a call or email away.

Securities offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through TOP Private Wealth, a registered investment advisor and separate entity from LPL Financial