Get Ready for 2027: 10 Planning Moves to Consider
The late stages of the year are a natural time to take stock of where you are and what you still want to accomplish by Dec. 31. Families who use this season to think clearly and act deliberately can start the new year in a stronger position.
1. Revisit your wealth plan
Establish, or update, a structured decision-making framework for your goals. A clear framework that spans investments, spending and gifting will help you stay aligned with your long-term vision even as circumstances change.
2. Hold the right amount of cash
We believe the Federal Reserve (Fed) plans to hike interest rates once this year, by 25 basis points, before holding rates steady for some time. Short duration instruments and laddered structures can potentially offer attractive yields today while keeping you positioned to extend when yields peak.
3. Revisit your portfolio
The investment backdrop has shifted meaningfully. Geopolitical fragmentation, persistent inflation and the rapid rise of AI are creating new opportunities to consider incorporating into your plan.
4. Complete annual to-dos
5. Refine your charitable giving strategy
In light of changes to the deductibility of charitable donations – especially for those in the highest income tax bracket – it’s important to be thoughtful about your donation strategy this year.
6. Optimize the tax efficiency of your portfolio
7. Review your estate planning documents and insurance policies
Take time to confirm that your estate planning documents reflect your current wishes and family circumstances.
8. Be cybersafe in an ever-changing world
As artificial intelligence apps and tools continue to evolve, it’s crucial to actively protect your data and privacy, especially from social engineering threats.
9. Host a family meeting
It’s never too early to start discussing money and family values with your children and grandchildren.
10. Plan around concentrated positions, IPOs and executive compensation
With an active IPO market in 2026, many families are navigating significant new liquidity events – or preparing for ones on the horizon.
Rick Barragan is the Managing Director,
Los Angeles Market Manager, for
J.P. Morgan Private Bank.
[email protected] | (310) 860-3658
privatebank.jpmorgan.com/los-angeles
Source: “Get ready for 2027: 10 planning moves to consider,” Sarah Backer Lyons, CFP®, CPWA®, Vice President, Wealth Planning and Innovation, Jordan Sprechman, Vice Chairman, Practice Lead, U.S. Wealth Advisory, September 14, 2026
