Addax Bridge mark
Addax Bridge Financial
Fee-only · Fiduciary · CFP® · Robin Kizito
The Bridge Year

Your 2026 Bridge Year

The bridge between where you are today and where you want to be tomorrow. This is your living calendar: a minimum of 4 quarterly sessions with 16+ potential touchpoints across five planning tracks, with the prep and deliverables for each, plus off-cycle support whenever life shifts. Check items off as you go; we'll see your progress.

The Year at a Glance · 2026

Track
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Plan
Portfolio
Tax
Estate
Risk
Deadlines
Hover any dot for the session title; hover a numbered diamond for the IRS or Medicare deadline detail and what we'll do together.

Q1 · January – March

Set the year's intention.

This is the season we set the year's intention together. We file last year cleanly, audit protection, and lay the H1 track.

Comprehensive Planning

Annual Kickoff & Goal Setting

Every quarter
Agenda
  • –Net worth & cash-flow update
  • –Goals, life changes & H1 action list
  • –Annual contribution plan: 401(k), IRA, HSA, backdoor & mega-backdoor Roth
  • –Equity comp map: ISO / NQSO / RSU / ESPP vesting & exercise calendar
Portfolio Monitoring

Q4 Portfolio Wrap-Up

Every quarter
Agenda
  • –Q4 return vs. benchmark
  • –Asset-allocation drift review
  • –Rebalancing plan with written instructions for execution
  • –Fee & expense-ratio audit
Tax Planning

Tax Prep & Filing Review

Q1 only
Agenda
  • –Gather all year-end tax documents
  • –Review draft 1040 with CPA
  • –Q1 estimated tax payment (due Apr 15)
  • –Extension decision if needed
Risk & Insurance

Insurance Annual Audit

Q1 only
Agenda
  • –Life-insurance coverage review
  • –Disability-income adequacy
  • –Long-term care need assessment
  • –Umbrella / P&C review

Q2 · April – June

Course-correct at mid-year.

Mid-year is when small adjustments compound. We project the tax year, model Roth conversions, and refresh the estate plan.

Comprehensive Planning

Mid-Year Planning Check-In

Every quarter
Agenda
  • –H1 goals progress report
  • –Cash-flow vs. plan review
  • –Life-events debrief
  • –H2 priorities reset
Portfolio Monitoring

Q1 Portfolio Monitoring

Every quarter
Agenda
  • –Q1 performance review
  • –Sector & allocation drift, including employer-stock concentration
  • –Rebalancing recommendation
  • –Contribution pacing check: 401(k), IRA, HSA on track to max
Tax Planning

Mid-Year Tax & IRMAA Projection

Q2 only
Agenda
  • –Full-year income projection (with bonus, RSU vest, ESPP)
  • –Equity comp tax modeling: ISO AMT exposure, NQSO & RSU sale timing, ESPP qualifying vs. disqualifying
  • –Roth conversion modeling (with IRMAA bracket overlay)
  • –Tax-loss harvesting window & charitable bunching (DAF)
Estate Planning

Estate & Beneficiary Review

Q2 only
Agenda
  • –Beneficiary designation audit
  • –Will & trust document status
  • –DPOA & healthcare-directive check
  • –Account title & ownership review

Q3 · July – September

Position for year-end.

Q3 is the runway where we lock the retirement-income picture and set every year-end tax move before the window closes.

Comprehensive Planning

Retirement Income Deep-Dive

Every quarter
Agenda
  • –Social Security timing analysis
  • –Withdrawal-sequence strategy
  • –RMD planning & projections
  • –Retirement income-gap analysis
Portfolio Monitoring

Q2 Portfolio Monitoring

Every quarter
Agenda
  • –Q2 performance vs. benchmark
  • –Bond / equity drift check
  • –Rebalancing instruction prep
  • –Cash drag review
Tax Planning

Year-End Tax Strategy

Q3 only
Agenda
  • –Year-end loss-harvesting plan
  • –Final equity comp execution: ISO AMT bracket-fill, NQSO/RSU sale decisions
  • –Roth conversion final decision + deduction bunching
  • –QCD for RMD satisfaction (age 70½+)
Risk & Insurance

Open Enrollment & Benefits

Q3 only
Agenda
  • –Health plan election review (incl. Medicare AEP Oct 15 – Dec 7)
  • –HSA / FSA contribution modeling
  • –Employer life & LTD adequacy
  • –Supplemental insurance gaps

Q4 · October – December

Execute and confirm.

Year-end is execution. Every conversion, gift, RMD, and rebalance lands on time, and then we preview the year ahead.

Comprehensive Planning

Year-End Comprehensive Review

Every quarter
Agenda
  • –Full action-item completion check
  • –Plan-document update
  • –Next-year goal-setting preview
  • –Year-end financial snapshot
Portfolio Monitoring

Q3 Portfolio Monitoring

Every quarter
Agenda
  • –Q3 performance review
  • –Year-end fund distribution estimates
  • –Capital-gains tax impact
  • –Rebalancing before year-end
Tax Planning

Final Year-End Tax Execution

Q4 only
Agenda
  • –Charitable contribution deadline (Dec 31)
  • –Final Roth conversion window & business income timing
  • –401(k) last-paycheck bump + HSA / 529 top-ups
  • –Prior-year IRA & backdoor Roth window (open through Apr 15)
Estate Planning

Year-End Gifting & Estate

Q4 only
Agenda
  • –Annual exclusion gifts ($18k per recipient, 2026 indexed)
  • –Irrevocable trust funding
  • –Final RMD distribution confirm (Dec 31)
  • –Digital-asset & password-vault check

Engagement Scope

Included
  • ✓Your fiduciary sounding board for comprehensive financial planning
  • ✓Investment management and portfolio monitoring across performance, allocation, and rebalancing
  • ✓Tax planning that coordinates prep with your CPA, sets mid-year strategy, and executes at year-end
  • ✓Estate planning covering beneficiary audits, wills, trusts, and gifting strategy
  • ✓Risk management and insurance review across life, disability, LTC, P&C, and open enrollment
Not Included
  • ×Tax-return preparation and filing (we coordinate with your CPA)
  • ×Legal document drafting (we coordinate with your estate attorney)
  • ×Sale of insurance or annuity products (we are fee-only)
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