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Highlights from our 2023 Planning Essentials Webcast

Jan 26, 2023
The new year is an opportunity to make a fresh start. Have you fully optimized your personal finances for 2023? Watch the recap with Carrie Galloway, Global Head of Advice Lab, Amanda Lott, Head of Wealth Planning Strategy and Jordan Sprechman, Head of U.S. Wealth Advisory, to see what actions you can consider after a volatile year:

Here are 5 key considerations from the conversation to help map out your 2023 finances:

  1. Optimize your portfolio’s after-tax returns with a multifaceted approach to generate tax alpha. Look to harvest tax losses throughout the year, make sure your assets are held in the right types of accounts, and consider how you’re withdrawing from your portfolio.
  2. As you look to place assets tax efficiently, make sure to fund tax-deferred retirement accounts. Funding limits increased this year, providing a greater opportunity to save in these tax-advantaged vehicles.
  3. Estimate your quarterly tax payments. With today’s higher rates, it’s important to know how much cash you truly need on hand as excess funds could be invested to benefit from these higher rates.
  4. Review your life insurance policies to ensure they are still set to accomplish the current intent. Market volatility and changes in interest rates may have depleted the cash value of a permanent life insurance policy. 
  5. One of the most tax-efficient ways to gift assets to family is through annual exclusion gifts. Both the annual and lifetime exclusion limits are increased this year making now a great time to gift if you have the capacity and desire to do so.

For a deeper dive on optimizing your personal finances for 2023, see our full article here or watch to the full webcast here.

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