For some entrepreneurs, the last few months of the year are a blur.
Projects pile up. Holidays creep in. And somewhere in between, financial strategy gets put off until “next year.”
That’s a missed opportunity.
The truth is, September to December is the most leverage-rich period of the year, if you know how to use it.
At Wealth Factory, we see this as the perfect window for a 90-Day Wealth Sprint: a focused period where you free up cash, lock in strategic tax wins, and make momentum-building moves before the calendar resets.
Step 1: Reclaim Hidden Cash Flow
Before you go looking for new income streams, plug the leaks in the ones you already have.
- Audit recurring expenses – Drop tools, subscriptions, or services that aren’t producing measurable value.
- Restructure debt – High-interest debt is the enemy of cash flow. Even one refinance before year-end can save you thousands.
- Revisit payment terms – Negotiate with vendors or clients for better cash timing.
The goal here isn’t austerity, it’s optimization. Free up cash so you can redirect it to higher-value uses.
Step 2: Make Year-End Tax Moves
Most of the biggest legal tax strategies work only if you put them in place before December 31.
A few to review with your tax strategist:
- Shifting personal expenses to legitimate business deductions
- Maximizing retirement contributions (if they align with your overall wealth plan)
- Accelerating certain purchases to capture bonus depreciation
Think of this as your chance to stop tipping the IRS without cutting back your lifestyle.
Step 3: Activate the Producer Paradigm
This is where we separate consumers from producers.
Consumers use year-end cash for short-term comforts. Producers invest it into growth:
- Expanding marketing that’s already delivering ROI
- Acquiring equipment or assets that increase capacity
- Joining masterminds, training, or mentorships that sharpen your skills and connections
This isn’t about spending for the sake of spending. It’s about multiplying the value of every dollar.
Step 4: Strengthen Your Wealth Pillars
At Wealth Factory, we teach that financial independence comes from integrating 5 Pillars of Wealth:
- Cash Flow Mastery
- Investment & Wealth Management
- Legacy & Estate Planning
- Tax Strategy & Asset Protection
- Personal Financial Growth
In a 90-Day Sprint, you might:
- Review your insurance coverage for protection gaps
- Update your estate plan
- Identify one underperforming investment and redirect it into cash-flowing assets
Step 5: Plan for January Momentum
The best way to start the new year is to carry momentum into it. Use part of your sprint to set up automated systems for savings, investments, and debt reduction so your results keep compounding.
Bottom line:
You don’t need 12 months to make big financial gains. A focused 90-day window, done with intention and coordination, can reclaim thousands in cash flow, reduce taxes, and set you up to start 2026 miles ahead of where you are today.
Ready to Create Your 90-Day Wealth Sprint Plan?
Our Wealth Architects specialize in helping entrepreneurs create customized financial blueprints that free up cash, optimize taxes, and accelerate their path to Economic Independence.
Your first step is simple: Apply for your complimentary 1-on-1 Wealth Strategy Session today.
During this private session, we’ll help you:
1) Identify quick cash flow wins before year-end
2) Pinpoint your biggest tax-saving opportunities
3) Align all 5 Pillars of Wealth for maximum momentum into 2026
