This season also brings important financial deadlines into focus in my work life. Required Minimum Distributions (RMDs) are a top priority for many clients. Missing an RMD can result in a significant penalty, particularly for Inherited IRAs subject to the SECURE Act’s 10-year distribution rule. Your advisor or custodian will typically calculate the amount early in the year so you can plan the withdrawal and any associated taxes before executing your RMD but it’s not too late to take care of 2026 if you haven’t already!

If you don’t need the funds personally, you have several options: transfer the distribution to a brokerage account in your name to keep it invested, or consider a charitable gift.

A few local causes that would welcome end-of-year financial support include:

These are just a few ideas! When charitable gifts stay local, they stand to create a lasting ripple effect that also benefits the entire community.

We try our best to lead by example and teach our children to live each day with gratitude and to give back when we can. When we fall short, as we humans do, Thanksgiving is such a welcome pause to recalibrate and leave a positive mark in our corner of the world.

So, what are we thankful for?!

“Food” – Calvin, 12

“Football” – Carver, 9

“My bunny and my family” – Carissa, 7

Wishing you and yours a warm, joyful, and restful Thanksgiving!