Canonical URL: https://giftcard.news/research-trends/umb-recommends-10-year-end-financial-planning-considerations-for-retiree-0382f215e4f8/ --- description: UMB’s December 2025 guide brings annual gifts, charitable donations, retirement accounts and estate planning into a year-end financial review. title: UMB’s 2025 retirement checklist covers annual gifts and year-end planning image: https://giftcard.news/images/social/v1/umb-s-2025-retirement-checklist-covers-annual-gifts-year-end-planning-78699ce7e58cb2da268290b9550d8c3f.jpg --- 1. [Home](https://giftcard.news/) 2. [Research & Trends](https://giftcard.news/research-trends/) # UMB’s 2025 retirement checklist covers annual gifts and year-end planning UMB’s December 2025 guide brings annual gifts, charitable donations, retirement accounts and estate planning into a year-end financial review. By [Emma Carter](https://giftcard.news/author/emma-carter/) December 12, 2025 2 min read Share [ ](https://x.com/intent/post?url=https%3A%2F%2Fgiftcard.news%2Fresearch-trends%2Fumb-recommends-10-year-end-financial-planning-considerations-for-retiree-0382f215e4f8%2F%3Futm%5Fsource%3Dx%26utm%5Fmedium%3Dsocial&text=UMB%E2%80%99s%202025%20retirement%20checklist%20covers%20annual%20gifts%20and%20year-end%20planning "X") [ ](https://www.linkedin.com/sharing/share-offsite/?url=https%3A%2F%2Fgiftcard.news%2Fresearch-trends%2Fumb-recommends-10-year-end-financial-planning-considerations-for-retiree-0382f215e4f8%2F%3Futm%5Fsource%3Dlinkedin%26utm%5Fmedium%3Dsocial "LinkedIn") [ ](https://wa.me/?text=UMB%E2%80%99s%202025%20retirement%20checklist%20covers%20annual%20gifts%20and%20year-end%20planning%20https%3A%2F%2Fgiftcard.news%2Fresearch-trends%2Fumb-recommends-10-year-end-financial-planning-considerations-for-retiree-0382f215e4f8%2F%3Futm%5Fsource%3Dwhatsapp%26utm%5Fmedium%3Dsocial "WhatsApp") ![year end financial considerations retirees](https://giftcard.news/images/variants/v1/umb-s-2025-retirement-checklist-covers-annual-gifts-year-end-planning-financial-w1200.webp) Photo: Source: blog.umb.com [UMB](https://giftcard.news/company/umb/) published a year-end planning checklist for retirees on December 12, 2025, bringing gifts to family members, charitable giving and retirement account decisions into the same financial review. The guide, by [Hope Albu](https://giftcard.news/person/hope-albu/), addresses the 2025 tax year. It encourages readers to consider account deadlines alongside income, spending needs and plans for the following year, with advice tailored to their circumstances. Annual gifts are a central topic. UMB cites the 2025 federal annual gift exclusion of $19,000 per recipient and discusses spouses combining exclusions. It also covers payments made directly to educational or medical providers and the different rules that apply. Education funding receives a separate discussion through 529 plans. The guide explains an election to spread a qualifying larger contribution across five years for gift tax purposes. The IRS’s 2025 Form 709 instructions likewise describe the $19,000 annual exclusion and an election covering up to $95,000 contributed to a qualified tuition plan for one beneficiary. IRS instructions. For charitable giving, UMB distinguishes cash donations, appreciated assets, donor-advised funds and qualified charitable distributions from an IRA. It presents them as different routes with their own conditions, rather than interchangeable ways to obtain the same tax result. The retirement-account sections cover contributions, Roth conversions and required minimum distributions. UMB addresses withdrawal timing and the tax consequences of moving pre-tax funds into a Roth account, as well as the complexity of inherited IRA rules. The checklist also discusses portfolio rebalancing, gains and losses, employer spending-account deadlines, health savings accounts and unused balances. These topics are tied to the relevant account and tax year. Finally, UMB recommends reviewing insurance, estate documents and beneficiary details after changes in family circumstances. It advocates coordinating decisions with financial and tax advisers, since changing the timing of income or a gift can affect more than one year’s planning. ## Sources and documents ExpandCollapse * [Top 10 year-end financial planning considerations for retirees](https://blog.umb.com/wealth-management-year-end-financial-planning-considerations-for-retirees/?utm%5Fsource=giftcard.news) — blog.umb.com * [2025 Instructions for Form 709](https://www.irs.gov/instructions/i709?utm%5Fsource=giftcard.news) — Internal Revenue Service ## In this article ### Companies * [UMB](https://giftcard.news/company/umb/) ### People * [Hope Albu](https://giftcard.news/person/hope-albu/) Share [ ](https://x.com/intent/post?url=https%3A%2F%2Fgiftcard.news%2Fresearch-trends%2Fumb-recommends-10-year-end-financial-planning-considerations-for-retiree-0382f215e4f8%2F%3Futm%5Fsource%3Dx%26utm%5Fmedium%3Dsocial&text=UMB%E2%80%99s%202025%20retirement%20checklist%20covers%20annual%20gifts%20and%20year-end%20planning "X") [ ](https://www.linkedin.com/sharing/share-offsite/?url=https%3A%2F%2Fgiftcard.news%2Fresearch-trends%2Fumb-recommends-10-year-end-financial-planning-considerations-for-retiree-0382f215e4f8%2F%3Futm%5Fsource%3Dlinkedin%26utm%5Fmedium%3Dsocial "LinkedIn") [ ](https://wa.me/?text=UMB%E2%80%99s%202025%20retirement%20checklist%20covers%20annual%20gifts%20and%20year-end%20planning%20https%3A%2F%2Fgiftcard.news%2Fresearch-trends%2Fumb-recommends-10-year-end-financial-planning-considerations-for-retiree-0382f215e4f8%2F%3Futm%5Fsource%3Dwhatsapp%26utm%5Fmedium%3Dsocial "WhatsApp") ![Portrait of Emma Carter](https://giftcard.news/images/variants/v1/emma-carter-editorial-portrait-w320.webp) About the author ## [Emma Carter](https://giftcard.news/author/emma-carter/) Journalist — Retail & E-commerce Emma Carter covers retail, e-commerce and the gift card shopping experience for Gift Card News. From reading to building ## Your next move in gift cards. Tell us what you’re building. We’ll help you explore suitable providers. [Find a provider ](https://giftcard.news/find-a-provider/) ## Related articles [Research & Trends](https://giftcard.news/research-trends/) Analysis ### [MENA’s Digital Gift Card Markets: A Country-by-Country Research Atlas](https://giftcard.news/research-trends/mena-digital-gift-card-markets/) [Oliver Reed](https://giftcard.news/author/oliver-reed/) September 18, 2026 66 min [Research & Trends](https://giftcard.news/research-trends/) Analysis ### [India’s Digital Gift Card Market: Growth, Consumers and Regulation](https://giftcard.news/research-trends/india-digital-gift-card-market/) [Oliver Reed](https://giftcard.news/author/oliver-reed/) September 18, 2026 30 min [Research & Trends](https://giftcard.news/research-trends/) Analysis ### [AI Can Shop for You. Can It Spend Your Gift Cards?](https://giftcard.news/research-trends/ai-can-shop-for-you-can-it-spend-your-gift-cards/) [Oliver Reed](https://giftcard.news/author/oliver-reed/) September 17, 2026 17 min ```json {"@context":"https://schema.org","@graph":[{"@type":"Organization","@id":"https://giftcard.news/#publisher","name":"Gift Card News","url":"https://giftcard.news/","logo":{"@type":"ImageObject","url":"https://giftcard.news/brand/giftcard-news-logo.svg"}},{"@type":"Person","@id":"https://giftcard.news/author/emma-carter/#person","name":"Emma Carter","url":"https://giftcard.news/author/emma-carter/","description":"Emma Carter covers retail, e-commerce and the gift card shopping experience for Gift Card News.","jobTitle":"Journalist — Retail & E-commerce","image":{"@type":"ImageObject","url":"https://giftcard.news/images/emma-carter-editorial-portrait.webp","contentUrl":"https://giftcard.news/images/emma-carter-editorial-portrait.webp","width":256,"height":256,"caption":"Illustrated portrait representing the Emma Carter editorial profile."}},{"@type":"ImageObject","url":"https://giftcard.news/images/umb-s-2025-retirement-checklist-covers-annual-gifts-year-end-planning-financial.webp","contentUrl":"https://giftcard.news/images/umb-s-2025-retirement-checklist-covers-annual-gifts-year-end-planning-financial.webp","width":1200,"height":800,"@id":"https://giftcard.news/images/umb-s-2025-retirement-checklist-covers-annual-gifts-year-end-planning-financial.webp#image"},{"@type":"NewsArticle","@id":"https://giftcard.news/research-trends/umb-recommends-10-year-end-financial-planning-considerations-for-retiree-0382f215e4f8/#article","url":"https://giftcard.news/research-trends/umb-recommends-10-year-end-financial-planning-considerations-for-retiree-0382f215e4f8/","headline":"UMB’s 2025 retirement checklist covers annual gifts and year-end planning","description":"UMB’s December 2025 guide brings annual gifts, charitable donations, retirement accounts and estate planning into a year-end financial review.","datePublished":"2025-12-12T16:00:41.000Z","dateModified":"2025-12-12T16:00:41.000Z","inLanguage":"en","mainEntityOfPage":{"@id":"https://giftcard.news/research-trends/umb-recommends-10-year-end-financial-planning-considerations-for-retiree-0382f215e4f8/#webpage"},"isPartOf":{"@id":"https://giftcard.news/#website"},"isAccessibleForFree":false,"hasPart":{"@type":"WebPageElement","isAccessibleForFree":false,"cssSelector":".reader-restricted"},"image":[{"@type":"ImageObject","url":"https://giftcard.news/images/umb-s-2025-retirement-checklist-covers-annual-gifts-year-end-planning-financial.webp","contentUrl":"https://giftcard.news/images/umb-s-2025-retirement-checklist-covers-annual-gifts-year-end-planning-financial.webp","width":1200,"height":800,"@id":"https://giftcard.news/images/umb-s-2025-retirement-checklist-covers-annual-gifts-year-end-planning-financial.webp#image"}],"articleSection":"Research & Trends","keywords":["Hope Albu","UMB"],"mentions":[{"@type":"Person","@id":"https://giftcard.news/person/hope-albu/#entity","name":"Hope Albu","url":"https://giftcard.news/person/hope-albu/"},{"@type":"Organization","@id":"https://giftcard.news/company/umb/#entity","name":"UMB","url":"https://giftcard.news/company/umb/"}],"wordCount":301,"citation":["https://blog.umb.com/wealth-management-year-end-financial-planning-considerations-for-retirees/","https://www.irs.gov/instructions/i709"],"author":[{"@id":"https://giftcard.news/author/emma-carter/#person"}],"publisher":{"@id":"https://giftcard.news/#publisher"}},{"@type":"WebPage","@id":"https://giftcard.news/research-trends/umb-recommends-10-year-end-financial-planning-considerations-for-retiree-0382f215e4f8/#webpage","url":"https://giftcard.news/research-trends/umb-recommends-10-year-end-financial-planning-considerations-for-retiree-0382f215e4f8/","name":"UMB’s 2025 retirement checklist covers annual gifts and year-end planning","description":"UMB’s December 2025 guide brings annual gifts, charitable donations, retirement accounts and estate planning into a year-end financial review.","inLanguage":"en","isPartOf":{"@id":"https://giftcard.news/#website"},"mainEntity":{"@id":"https://giftcard.news/research-trends/umb-recommends-10-year-end-financial-planning-considerations-for-retiree-0382f215e4f8/#article"},"breadcrumb":{"@id":"https://giftcard.news/research-trends/umb-recommends-10-year-end-financial-planning-considerations-for-retiree-0382f215e4f8/#breadcrumbs"},"primaryImageOfPage":{"@id":"https://giftcard.news/images/umb-s-2025-retirement-checklist-covers-annual-gifts-year-end-planning-financial.webp#image"}},{"@type":"BreadcrumbList","@id":"https://giftcard.news/research-trends/umb-recommends-10-year-end-financial-planning-considerations-for-retiree-0382f215e4f8/#breadcrumbs","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https://giftcard.news/"},{"@type":"ListItem","position":2,"name":"Research & Trends","item":"https://giftcard.news/research-trends/"},{"@type":"ListItem","position":3,"name":"UMB’s 2025 retirement checklist covers annual gifts and year-end planning","item":"https://giftcard.news/research-trends/umb-recommends-10-year-end-financial-planning-considerations-for-retiree-0382f215e4f8/"}]}]} ```