'Hawk Talk

‘Hawk Talk – December 2025

December 1, 2025

Welcome to the grandest season of them all, the holiday months are upon us, and here at BluHawk Wealth we’re delighted to usher in this potential for time of joy, reflection and celebration. Whether your calendar is filled with relaxation and laughter around the shore, football end of season tailgates, or cozy evenings by the fire with your favorite furry friend curled up at your feet, we hope this festive Christmas Season brings warmth, connection, and an abundance of gratitude. As you gather with family, share gifts, and prepare for a new year ahead, please accept our sincere appreciation of you: for trusting us with your financial journey, for the stories you share, and for allowing us to serve your aspirations and legacies.

As we look ahead to 2026, we also turn our attention to the practical, because while tinsel and cheer are front and center this season, savvy planning never takes a vacation.

With the new year rapidly approaching, it’s an ideal time to review your retirement planning strategies, account for key changes, and make sure your growth-now / moderate-later posture is aligned with the evolving rules. From higher contribution limits to shifted catch-up rules and updated defined-benefit thresholds, the IRS and pens-and-paper world of planning have laid the groundwork for some important tactical moves. Whether you are accelerating Roth conversions, optimizing RMD strategies, or considering (Qualified Charitable Distributions) QCDs and plan-design reviews, taking stock now sets you up for a smoother 2026.

As always, these are high-level planning ideas; your particular mix of tax-deferred vs Roth, your real estate holdings, and your intended legacy goals all matter.

Over the coming weeks we’ll be sharing deeper insights and preparing for our 2026 one-on-one check-in / review. Until then: enjoy the tree lights, the cocoa, and the board-games. Here’s to closing 2025 with gratitude, and starting 2026 with hope and purpose.