Oct 16 – Dec 31 · Planning Season
2026 Year-End Planning Summary
~$54K–$90K of federal tax addressed across 3 opportunities (charitable bunching, gain diversification, Q4 estimate), with an opportunity-zone question to evaluate.
Each move as a range, stepping down from the current-path liability.
Donor-advised fund funded with the appreciated position
Gain diversification paired with loss lots
Q4 estimated payment to meet the safe harbor
Addressed by the plan
3 of 3 quantified
Time-sensitive moves before December 31.
Multi-year planning to revisit beyond this season.
Items to resolve before the client conversation.
Gains realized on the diversification could be deferred via a Qualified Opportunity Fund if reinvested within 180 days, with the deferral running to the end of 2026 under current law. Whether this suits the client depends on liquidity needs and tolerance for an illiquid, longer-hold investment — to be discussed before any sale.
Elan
Grounded on Grace Okafor
Nothing outstanding for Grace Okafor right now.
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Nothing needs you for Grace Okafor right now.