5 Smart Wealth Moves to Make Before the End of the Year

1. Review of Your Investment Strategy considering Market Shifts

2025 has been marked by economic uncertainty, inflation pressures, and interest rate adjustments. If you haven’t reviewed your portfolio in the past six months, now is the time.

• Are your investments aligned with your long-term goals?
• Have market movements altered your risk exposure?
• Are there new opportunities worth exploring in alternative assets or global markets?

A disciplined review now can help optimize returns and manage downside risk heading into the new year.

2. Maximize Tax Efficiency

Many investors leave tax planning until the last minute. Don’t make that mistake.

Start preparing now by:

• Reviewing your capital gains/losses for potential offsetting
• Assessing trust distributions and income strategies
• Ensuring your superannuation contributions are on track

Getting ahead of your tax position allows you to take advantage of incentives, avoid surprises, and retain more of what you’ve earned.

3. Revisit Your Wealth Structures

Effective wealth preservation isn’t just about what you earn — it’s about how you hold it. Trusts, companies, and other structures can offer asset protection and tax efficiency, but they need to be reviewed regularly.

Now is a good time to ask:

• Are your current structures still fit for purposes?
• Have your family, business, or personal goals changed?
• Are you exposed to unnecessary risk?

A quick structural audit with your adviser could yield significant long-term benefits.

4. Set Up the Next Generation for Success

Wealth transfer is one of the biggest financial challenges — and opportunities — for successful families. Whether you’re building a family legacy or preparing the next generation for financial stewardship, it pays to plan early.

• Is your estate plan up to date?
• Have you communicated your intentions clearly to beneficiaries?
• Do your children or successors understand your values and vision?

Intergenerational planning isn’t just about money — it’s about purpose.

5. Get Strategic Advice Before You Make Big Decisions

Wealth decisions don’t exist in a vacuum — they intersect with tax, legal, business, and personal considerations. That’s why one of the smartest moves you can make is surrounding yourself with the right advisory team.

Final Thought: Wealth With Purpose

Great financial outcomes rarely happen by accident. They’re the result of clear thinking, long-term planning, and proactive decision-making.

At Kelly+Partners, we work closely with private business owners and their families to provide integrated tax, accounting, and wealth advice — all designed to help you be better off.