 let's take a look let's make sure that we've done certain things now there's a lot that needs to happen pre-tax day as far as contributions to things like IRAs and and Roth IRAs there are things that need to be done when it comes to planning let's take a look let's come up with a plan for the year it's a system of checks and balances the the first thing you do is you come up with a plan which advisors should be doing and explaining it to clients at the beginning of the year