Vision Capital Management Financial Advisor Portland Oregon

Vision Capital Management has been providing clients financial planning and investment management services since 1999. Visit our site to find out more.

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      • Christopher Anissian
      • Katelyn Cummings, CFP®
      • Bryan Goss
      • Gina Jacobson, CFP®, CDFA
      • Marina Johnson, CFA
      • John LaBarca, CFA
      • Ellen Logan
      • Maria Malloy, CFP®
      • Sue McGrath
      • Sarah Quist, CFP®
      • Jeffrey Schmidt, CFA
      • Matthew Sheets, CFP®
      • Chris Sizemore, CPWA®, CMFC
      • Stacy Sizemore, IACCP®
      • Madison Steinbrenner, IACCP®
      • Liz Swagerty Olsen
      • Cliff Yount, IACCP®
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Oct 01 2025

Year-End Financial Planning Checklist

As the year draws to a close, we would like to highlight two key activities we’re undertaking on behalf of our clients and provide reminders on other best practices for year-end.

  1. Tax-Loss Harvesting

    Our investment team actively monitors portfolios for tax-loss harvesting opportunities. This involves selling securities at a loss to offset capital gains, while simultaneously reinvesting in a way that remains aligned with your long-term goals and risk tolerance. We also manage cost basis considerations to support overall tax efficiency.

  2. Required Minimum Distributions (RMDs)

    Clients age 73 or older are legally required to take annual Required Minimum Distributions (RMDs) from tax-deferred retirement accounts, such as traditional IRAs and 401(k)s. Vision Capital will assist in coordinating these distributions through your Fidelity or Schwab account as needed.  If you have an inherited IRA, Required Minimum Distributions (RMDs) may still be required, regardless of your age, depending on the terms of the inheritance and current IRS regulations.  If you hold an inherited IRA or have any questions regarding your RMD obligations, please contact your client relationship manager for guidance.

Additionally, the following items can help clients get organized and ready to welcome in the new year.

  • Maximize Retirement Contributions

    Even if you can’t contribute the full annual limit, increasing contributions before year-end can significantly enhance long-term retirement savings. If eligible, consider making “catch-up contributions,” which vary in amount depending on the type of retirement account.

  • Optimize Charitable Giving

    To receive a 2025 tax deduction, charitable donations must be completed by December 31. We recommend acting early, as nonprofits can be overwhelmed during the final weeks of the year. Additional strategies to consider include bunching donations into a single year for greater impact, donating highly appreciated long-term assets, or making qualified charitable distributions (QCDs) directly from an IRA.

  • Evaluate Income Tax Withholding

    Now is a good time to reassess your withholding elections to make sure they still match up with your current income level and tax situation heading into the new year.

  • Assess Medicare Coverage

    We recommend reading the Annual Notice of Change (ANOC) document, which details changes to costs and coverage. If you have experienced significant changes with your health, are seeing new providers, or have new prescriptions, it may be worthwhile to move to a new plan during open enrollment, which takes place from October 15 to December 7.

  • Contribute to Your Health Savings Account

    Health Savings Accounts (HSAs) carry the unspent funds over to the next year. If you are able, it is advantageous to maximize your contribution to your HSA for a triple tax advantage: tax-deductible contributions, tax-free growth, and tax-free withdrawals for qualified medical costs.

  • Use Flexible Spending Accounts (FSAs)

    Flexible spending funds are generally subject to a “use it or lose it” rule. Depending on your plan, unused balances may expire at year-end. Eligible purchases include new contacts or glasses, prescriptions, appointment copays, and over-the-counter items such as first aid supplies, sunscreen, and cold and flu remedies.

  • Review Estate Planning Documents

    Outdated beneficiary designations are unfortunately common and can lead to unintended consequences. Take the time to review and update your beneficiary forms to ensure they accurately reflect your current wishes and circumstances.

If you have any questions about the topics outlined above, please don’t hesitate to reach out. We are here to support your financial goals with thoughtful, proactive guidance.

Written by Liz Swagerty Olsen · Categorized: 401K, 529 PLAN, CHARITABLE GIVING, DIVORCE, ECONOMY, ELLEVATE NETWORK, ESTATE PLANNING, FIDUCIARY, FINANCIAL ADVISOR, FINANCIAL PLANNING, HEALTH INSURANCE, HOME OWNERSHIP, INSURANCE, INVESTMENT MANAGEMENT, INVESTMENTS, MEDICARE, NIKE, OREGON, OREGON ECONOMY, PARENTING, PERSONAL FINANCE, REAL ESTATE INVESTING, RETIREMENT PLANNING, SOCIAL SECURITY, TAX PLANNING, UNCATEGORIZED, WOMEN · Tagged: end of year checklist, FINANCIAL PLANNING, Flexible Spending Accounts, Health Savings Accounts, MEDICARE, RETIREMENT PLANNING

Jul 24 2025

Legislative Update: Tax and Spending Package

Client Relationship Manager Matthew Sheets, CFP®, shares aspects of the One Big Beautiful Bill Act passed in July 2025.

Written by Liz Swagerty Olsen · Categorized: 401K, ECONOMY, FINANCIAL PLANNING, INVESTMENT MANAGEMENT, RETIREMENT PLANNING, TAX PLANNING · Tagged: one big beautiful bill act, tax cuts and spending package

May 05 2025

Video: Reminders during Heightened Market Volatility

 

 

Matthew Sheets, CFP®, shares important factors to remember during times of heightened market volatility.

Written by Liz Swagerty Olsen · Categorized: ECONOMY, INVESTMENT MANAGEMENT, INVESTMENTS

Oct 13 2024

October Is National Economic Education Month

At Vision Capital Management, we believe in educating our clients on all aspects of their financial life and, in doing so, know we will be empowering financial wellness. October is National Economic Education Month, so we have gathered several of our favorite resources for our own ongoing education on the global economy, financial markets and personal finance. Below are links to various blogs, websites and podcasts we hope you find valuable and informative.

Websites and Blogs:

  • HerMoney – As a journalist, founder Jean Chatzky recognized that when it comes to money matters, women are different. She founded HerMoney with the intention to inform women with easy-to-understand content about finance and the economy and inspire them to stress less and invest more.
  • Investopedia – Aiming to simplify financial information and decisions, Investopedia provides clear and easy to understand information and news updates on banking, investing, the economy and personal finance with over 56 million monthly readers.
  • San Francisco Federal Reserve Blog – in-depth articles with insight from Federal Reserve experts, it provides commentary to accompany data and indicators as well as a behind the scenes look at working for the Federal Reserve.

Podcasts:

  • Bloomberg Daybreak– Powered by the massive research and analysis provided by Bloomberg, this show delivers the day’s top financial stories in 15 minutes.
  • Freakonomics – Bearing the same name as the ultrapopular book by Steven J. Dubner, it explores the ‘hidden side of everything’ such as pollution, bananas and human behavior and the impacts on the economy.
  • Planet Money – Journalists explore various topics such as cap and trade policies, political turmoil abroad, artificial intelligence and more and then explain the ties back to the economy and the effects on consumers.

Written by Liz Swagerty Olsen · Categorized: ECONOMY · Tagged: FINANCIAL PLANNING, INVESTMENT MANAGEMENT, Personal Finance, WOMEN FINANCIAL ADVISOR

Nov 28 2022

The Consumer and Producer Price Index

One word defines this year: “inflation.” Reaching levels not seen in 40 years, inflation in the US has been tenacious, peaking at 9.1% in June and budging only slightly in the face of government policies aiming to reduce it further. Its impact has been inescapable. As we wrap up 2022, there is widespread concern about what the inflation levels of this year mean for the next. But what is inflation exactly, and what does it tell us?

The Consumer and the Producer Price Index

[Read more…]

Written by Maddie Steinbrenner · Categorized: ECONOMY · Tagged: INFLATION, PRODUCER PRICE INDEX

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