Start 2026 with Intention: A Financial Reset for the Year Ahead

For many of us, the start of a new year represents a fresh start to re-align our priorities, set meaningful goals, and improve our lives. With New Year’s resolutions top of mind, the first weeks of 2026 are the perfect time to revisit your financial plan and make sure it still aligns with your life, your values, and what’s coming next. Financial planning isn’t just about numbers. It’s about preparing for the real-life moments that shape your future including career changes, family milestones, and long-term goals that require thoughtful planning today.

Step One: Review What’s Changing in Your Life

One of the most important (and often overlooked) steps in financial planning is reviewing upcoming life changes. Even positive events can have a significant financial impact if they aren’t planned for in advance.

As you look ahead to 2026, ask yourself the following:

• Are you planning to retire or transition into a work-optional lifestyle?

• Are you planning on selling any real assets, investments, or business interests?

• Is a job change or promotion on the horizon?

• Are your children preparing for college, graduate school, or moving out?

• Do you have a wedding, new baby, or growing family to plan for?

• Are you supporting aging parents or preparing for future care needs?
  

Each of these moments can affect cash flow, taxes, savings strategies, insurance needs, and your estate plan. Taking time early in the year to identify these changes allows you to be proactive instead of reactive.

Step Two: Set Clear, Realistic Financial Goals for 2026

Goal setting is a powerful way to bring structure and purpose to your financial plan. The key is setting goals that are both realistic and achievable. 

Common financial goals for the new year may include:

• Paying down high-interest debt

• Building or replenishing an emergency fund

• Determining how much you need to save for retirement and what type of contribution you should make (pre-tax vs. Roth)

• Saving for a home, education, or major purchase

• Optimizing your charitable giving to maximize tax benefits 

Rather than trying to tackle everything at once, prioritize what will have the greatest impact on your financial well-being this year. Clear goals help guide smarter decisions throughout 2026.

Step Three: Revisit Your Financial Strategy

Once you’ve identified upcoming life events and defined your goals, it’s time to review your overall financial strategy. 

This includes looking at:

• Investment allocations and risk tolerance

• Tax allocation (how much of your wealth is in pre-tax, taxable, or Roth accounts)

• Retirement timelines 

• Tax planning opportunities

• Insurance coverage 

• Estate planning and beneficiary designations

Life changes often require adjustments to your strategy. 

Step Four: Turn Intentions into Action

One of the biggest reasons New Year’s resolutions go unfulfilled is that we try to tackle them alone and become overwhelmed. This is where professional guidance can be extremely valuable. Working with a financial advisor helps ensure your decisions are coordinated, intentional, and aligned with both your short-term and long-term goals.

Make 2026 a Year of Clarity and Confidence

By reviewing upcoming life changes, setting thoughtful goals, and updating your financial strategy, you can enter 2026 with greater confidence and peace of mind. If you’re unsure where to start or want a clearer picture of your financial direction, our comprehensive financial roadmap can help you see how today’s decisions support tomorrow’s goals.

Take control of your financial future in 2026—with clarity, purpose, and a plan for the life you want to live. Scott Leavitt CFP®

Disclosure:The information provided is for general informational purposes only and does not constitute legal, tax, investment, or accounting advice. For personalized guidance, please consult a qualified professional.

Investment Advisory and Financial Planning Services are offered through Financial Life Advisors, LLC.