As the new year approaches, many people look back and think about what they have and haven’t accomplished in this year. Has my life advanced how I expected? Have I accomplished the goals I set out to hit? Almost certainly there is a mix of good and bad as we reflect.

Then we shift our focus to what we want to be different in the coming year. It’s a time to make changes, to set a new course, to grow to the next level. At that point, when someone is serious about making changes, they set New Year Resolutions. Always at the top of these lists are resolutions about money and health.

A “resolution” is a firm decision. It’s not something you should take lightly. It’s not just a want or a hope or “wouldn’t it be nice?”. If you’re really deciding, then you need a real action plan to make it happen. An example you hear every year is related to health. Gyms are packed at the beginning of January, but by the time February rolls around, the crowd is gone and things are back to normal. People like the idea of being in shape, but they don’t have a lasting plan that they’ll stick with to actually get there.

Since with this page we’re here to help you with money, let’s talk money… First of all, you can’t close your eyes to the problem. Be real with yourself. How much are you saving? Are you saving enough so that you will FOR SURE have enough money to enjoy the retirement lifestyle you want to live? If there’s any doubt at all, then we need to sit together and create a real plan that will work.

If you know you need to save $1000 per month, but you currently don’t do anything, then that’s not a realistic place to start at this moment. Start with $300 per month (just $10 per day). Most people waste $10 per day without even thinking about it – coffee, snacks, parking, unused subscriptions, etc. Be mindful of waste, find adjustments that will free up that money and shift it to savings. As you get used to $300, then bump it up to $500, then bump it up again…

So why do you need us? Our specialty is helping you develop a saving habit, growing your money, protecting what you care about most and even minimizing your taxes along the way. We don’t charge you anything to do all of this for you, so why wouldn’t you take advantage of free expertise? Oh, and we highly value doing the right thing for every one of our clients – seeking out the best solution for you. We’re working to build a lasting reputation in this community and will give you the very best we can give.

Don’t wait until January to begin your plan. Start now. Build some momentum before we even hit the new year. Schedule an appointment: and let’s do this together!

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