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2026 Financial Planning Guide: Tips to Start the New Year Strong

By Angela Grannan on December 16, 2025

It’s hard to believe we’re already here…December 2025! Another year has come and gone, and it has been a crazy one! Year-end is the perfect time to reflect on your financial progress and identify areas for improvement. Now is the time to define what success looks like for you in 2026.

Rather than focusing solely on returns, think about long-term goals and outcomes. Here are some practical steps to help you start the new year strong:

Review Your Financial Plan

A great way to get the ball rolling is to meet with your financial advisor to catch up.  Review and confirm your financial goals.  If you have a financial plan, make sure that it is up to date.  Life changes and goals change over time.  Make sure your plan reflects your long-term and short-term goals.  If you don’t have a financial plan, talk to your advisor about creating one.  Take the time to review your assets, liabilities, retirement income, and goals with your advisor.  A plan creates accountability for you and your advisor to stay on track and work toward your goals. 

Align Your Portfolio With Your Goals

Your portfolio should reflect your financial plan.  Discuss this with your advisor and make sure your asset allocation aligns with your goals.  After a positive year in the equity markets, maybe it’s time to take some gains and rebalance your portfolio.  Consider liquidity needs for the coming year.  Are there any big events or purchases on the schedule for 2026?[1] 

Update or Create Your Estate Plan

Here’s another 2026 goal to consider—create or review your estate plan.  There is a misconception that estate plans are only for the very wealthy or elderly. Adults, regardless of age or asset level, should have some kind of estate plan that may include a will, trust, power of attorney for health care, and property. Having an estate plan in place helps ensure that your loved ones are protected and your wishes are honored if something unexpected happens.[2] 

Set Realistic, Actionable Goals

I know these seem like big goals, and they are.  But rather than feeling overwhelmed, write them down, tackle them one at a time, and realize that they don’t all need to be done in January. Talk to your advisor about your goals for 2026.  They can help you prioritize and create a schedule to tackle each item on your list. Take action and move forward—you will be glad you did.  Happy Holidays and Happy New Year! 

[1] https://www.sequoia-financial.com/setting-and-sticking-to-your-financial-goals-in-2026/

[2] https://www.northwesternmutual.com/life-and-money/simple-resolutions-to-unlock-your-financial-potential-in-2026/

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