As we head into the final quarter of the year, now is the time to review your income, expenses, and projections. Proactively addressing cash flow helps you cover potential shortfalls, plan for taxes, and allocate resources for growth.

💼 For business owners and the self-employed: don’t overlook retirement contributions. SEP IRAs and Solo 401(k)s provide powerful, tax-advantaged ways to build wealth while reducing taxable income. With 2025 limits higher than ever—including new “Super Catch-Up” options—funding these plans before year-end gives you flexibility and maximizes potential benefits.

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Discipline Wealth Solutions is an investment adviser registered with the Securities and Exchange Commission (“SEC”).  See full disclosure www.disciplinewealth.com/disclosures.