"Great businesses don’t just ride out the market—they adapt, pivot, and position themselves for success. Your finances are no different. Now’s the time to review your investments and ensure your portfolio is ready for a strong 2025."

Key Investment & Portfolio Strategies:

1. Year-End Portfolio Review

Take a look at your portfolio’s performance this year. Are you still on track with your goals? Rebalancing can help you maintain your target asset allocation.

  • Pro Tip: Rebalancing isn’t just about reducing risk—it’s about keeping your strategy sharp and aligned with your long-term vision.

2. Analyze Asset Location

Tax efficiency matters! Make sure tax-efficient investments are in the right accounts—like tax-deferred or taxable accounts.

  • Quick Tip: Consider consulting on where to place bonds vs. stocks to maximize tax savings.

3. Consider a Roth Conversion

This could be a smart move if you’re in a lower tax bracket this year. Converting traditional IRA funds to a Roth IRA can offer long-term tax benefits.

  • Why It Matters: Pay taxes now at a potentially lower rate and enjoy tax-free withdrawals down the road.

4. Contribute to a 529 Plan

If you have kids, contributing to a 529 plan before year-end can give you tax advantages while saving for future education expenses.

  • Bonus Tip: Even if you’re not sure about education plans, a 529 can be a flexible tool that might surprise you with its benefits.

Fine-tuning your investments is like getting a tune-up for your car—keep things running smoothly so you can focus on the road ahead. Let’s connect for a personalized investment review to make sure you’re on track!

Email us for Your Year-End Checklist: daniel.schlein@allianceadvisorygroup.com

Call to Schedule a Review!

"Investing is not about beating others at their game. It’s about controlling yourself at your own game." – Benjamin Graham

Daniel Schlein, RICP 

Managing Associate & Financial Advisor 

CA Insurance License #4136642  

Phone: (716) 817-7109   | fax: (716) 817-7117  

Mobile: (716) 913-3013    

Website: www.allianceadvisorygroup.com 

 

Address: 600 Delaware Avenue, Buffalo, NY 14202