Year-End Tax Planning Checklist
A clear, practical guide to help reduce taxes, stay organized, and enter the new year with confidence.
Why this checklist matters
Year-end planning isn’t about doing everything or making perfect decisions. It’s about pausing long enough to understand where you are today — and whether your choices still align with what matters most to you.
Clarity doesn’t remove uncertainty entirely, but it does reduce overwhelm. When you understand your options, decisions become calmer and more intentional.
What you'll review inside the checklist
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RRSP and TFSA year-end considerations
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Non-registered investments and tax-loss selling
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Charitable giving opportunities
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Retirement income planning (RRIF, CPP, OAS)
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RESP reminders
You don’t need to complete every item. This is a guide, not a to-do list.
The checklist is especially helpful if you:
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Are within 10 years of retirement
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Have multiple accounts and growing complexity
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Feel financially “on track” but still uncertain
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Want to reduce stress before tax season
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Prefer calm, structured guidance
About Sensible Financial Solutions
Sensible Financial Solutions is an advice-only financial planning firm based in Victoria, BC.I work with women, couples, and professionals approaching retirement who want clarity, confidence, and thoughtful guidance — especially during times of transition. This checklist reflects the same structured, calm approach I use with clients every day.
Milica Ivaz, CFP, RRC