Orion Capital Management LLC
1330 Orange Ave., Ste 302
Coronado, CA 92118
p: 619-319-0520
f: 855-691-0427
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Disclosure: Orion Capital Management LLC (“Orion”) is an investment advisor registered with the U.S. Securities and Exchange Commission (SEC). The firm offers advisory services in the State of California and in other jurisdictions where registered or exempted. Registration does not imply a certain level of skill or training. The information on Orion’s website or in its distributed commentary shall not be directly or indirectly interpreted as a solicitation of investment advisory services to persons or entities of another jurisdiction unless otherwise permitted by statute. Orion’s individualized responses to consumers in a particular state in the rendering of personalized investment advice for compensation shall not be made without the firm first complying with jurisdiction requirements or pursuant to an applicable state exemption.
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2022 Year-End Financial Checklist
2022 has delivered way more than its fair share of uncertainty and stress for investors. Taking stock of your complete financial life and putting in place tangible strategies to help you reach your goals can not only improve your financial well-being but also bring you more confidence and happiness. Here are several year-end financial moves we think investors should consider:
Contribute to a Retirement Account
Perhaps the easiest way to trim your tax bill is to contribute to a tax-deferred retirement account such as an IRA or 401(k).
Tax-Loss Harvesting
See if you have opportunities in your portfolio to realize capital losses to offset any capital gains you may have realized (or that your mutual fund manager has realized).
Review Your Portfolio Allocation
Investors should review their portfolios to make sure they are still positioned to pursue their long-term financial objectives.
Charitable Donations
If you need to make a Required Minimum Distribution (RMD) from your IRA and are charitably inclined, consider making a Qualified Charitable Distribution. Not only will you help a favored charity, but you will not owe tax on the distribution.
Consider a Roth Conversion
With markets down this year, now might be an opportune time to convert some or all of your Traditional IRA assets to your Roth IRA.
Update Beneficiaries on Your Accounts
It’s a good idea to review the beneficiaries on your accounts each year to make sure they are still consistent with your wishes.
Please contact us at 619-319-0520 or thoms@orioncapitalmgmt.com if you would like us to review your financial situation.
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