In this episode of Living Your Wealth: Today and Tomorrow, Kelly Ennis, founder and president of Infinity Financial Strategies, explores why when you take financial action matters just as much as what action you take. With the end-of-year deadline approaching, Kelly breaks down how timing can be used as a powerful tool—not just a constraint. She examines the real impacts of volatility, recovery time, income predictability, tax implications, and investment environment. From Roth conversions to required minimum distributions, Kelly explains how separating the decision from the action can improve outcomes and reduce stress. Learn how to structure your year with clarity and confidence, and make timing an intentional part of your financial strategy.
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[00:00:00] Why year-end timing is more important than most people realize
[00:01:04] Timing as a financial tool, not just a detail
[00:01:52] Your financial life runs on a calendar, not in a vacuum
[00:02:35] Good timing vs. poor timing: how it affects risk and outcomes
[00:02:54] Matching timing to spending needs and dollar “jobs”
[00:03:36] Risk capacity versus emotional risk tolerance
[00:04:27] Why timeline is critical in handling investment volatility
[00:05:10] The impact of market recovery time on financial actions
[00:05:56] How much short-term loss can your portfolio handle?
[00:06:44] Timing decisions for large financial actions and distributions
[00:07:34] How tax implications affect timing—especially in Q4
[00:08:08] Key tax-sensitive actions that benefit from better year-end data
[00:08:43] Tax optimization ≠ tax perfection
[00:09:11] Evaluating whether your investment environment limits your options
[00:09:48] Comparing employer plans vs. managed portfolios for RMDs
[00:10:36] Separating the decision from the execution
[00:11:07] Examples of actions that follow distinct timing windows
[00:11:47] Making December a time of confirmations, not chaos
[00:12:31] Annual structure: Plan, adjust, strategize, execute
[00:13:29] Fourth quarter is for precision and clarity
[00:14:00] Timing is intentional, not a guessing game
[00:14:17] Reflecting on how timing supported your goals this year
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