--- title: Fall Financial Planning description: Before December 31, there are key moves you can make to reduce taxes, maximize savings, and ensure your financial plan is on track. image: https://blog.keystonewealth.ca/hubfs/Blog/TFSA.jpg --- [Skip to content](https://blog.keystonewealth.ca/money-matters/fall-financial-planning-1#main-content) [![Untitled design (3)-1](https://blog.keystonewealth.ca/hs-fs/hubfs/Untitled%20design%20(3)-1.png?width=136&height=82&name=Untitled%20design%20(3)-1.png "Untitled design (3)-1")](https://www.keystonewealth.ca/) # MONEY MATTERS            We discuss money matters because money…matters!         [Contact us](mailto:tannerlewis@keystonewealth.ca) Oct 21, 2026, 11:16:50 AM # Fall Financial Planning ![Picture of Tanner Lewis, Financial Advisor; Keystone Wealth | Aviso Wealth](https://blog.keystonewealth.ca/hs-fs/hubfs/Untitled%20design%20(3).png?width=50&name=Untitled%20design%20(3).png) [Tanner Lewis, Financial Advisor; Keystone Wealth | Aviso Wealth](https://blog.keystonewealth.ca/money-matters/author/tanner-lewis) Share: [facebook-f icon](http://www.facebook.com/share.php?u=https://blog.keystonewealth.ca/money-matters/fall-financial-planning-1) [linkedin-in icon](http://www.linkedin.com/shareArticle?mini=true&url=https://blog.keystonewealth.ca/money-matters/fall-financial-planning-1) [envelope icon](mailto:?body=https://blog.keystonewealth.ca/money-matters/fall-financial-planning-1) Fall Financial Planning 2:35  October, your Year-End Financial Checklist. The end of the year is the perfect time to take stock of your finances and set yourself up for success in the new year. **Before December 31**, there are key moves you can make to reduce taxes, maximize savings, and ensure your financial plan is on track. Here’s your year-end checklist—and why now is the time to book a review with Keystone Wealth Management (KWM). # Key Deadlines to Know: # **December 31, 2026:** - Last day to make charitable donations for 2026 tax credits. - Last day to use TFSA and FHSA contribution room for the year. **March 2, 2027:** - RRSP contribution deadline for the 2026 tax year. - ![TFSA](https://blog.keystonewealth.ca/hs-fs/hubfs/Blog/TFSA.jpg?width=274&height=136&name=TFSA.jpg)   ![income-money-change-salary-raise](https://blog.keystonewealth.ca/hs-fs/hubfs/Blog/income-money-change-salary-raise.jpg?width=308&height=173&name=income-money-change-salary-raise.jpg)   ![gettyimages-175602321-612x612](https://blog.keystonewealth.ca/hs-fs/hubfs/Blog/gettyimages-175602321-612x612.jpg?width=212&height=141&name=gettyimages-175602321-612x612.jpg) 1\. **Maximize Tax-Advantaged Contributions** TFSA: Use any remaining room to grow investments tax-free. FHSA: If you’re saving for your first home, contribute before year-end to maximize tax deductions and growth. RRSP: While you have until March 2, 2027, contributing now can help you plan ahead and reduce taxable income. 2\. **Review Your Investment Portfolio** - Check your asset allocation and rebalance if needed. - Consider tax-loss harvesting to offset capital gains. - Ensure investments align with your risk tolerance & long-term goals.  3. **Confirm Beneficiary Designations**  Life changes—marriage, divorce, new children—can make old designations outdated. Review your RRSP, TFSA, FHSA, pension, and insurance beneficiaries to avoid future complications Donations made before December 31 qualify for this year’s tax credits. Consider pooling donations or donating securities for extra tax benefits. 5\. **Review Your Estate Plan** Update your will, powers of attorney, and any trusts. Year-end is a natural time to ensure your documents reflect your current wishes. 6\. **Check Your Insurance Coverage** Confirm that your life, disability, and critical illness coverage still meet your needs. Adjust if your income or family situation has changed. 7\. **Set Goals for the New Year** Outline priorities for 2027—whether it’s buying a home, funding education, or planning retirement. A clear roadmap helps you stay focused. **Why Book a Year-End Review with KWM?** Our advisors help you: - Identify tax-saving opportunities before deadlines. - Optimize contributions and investment strategies. - Ensure your estate and insurance plans are up to date. - Create a personalized plan for the year ahead. Don’t let December 31 sneak up on you. A few smart moves today can save you money and stress tomorrow. 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