As the holidays approach and the year begins to wind down, many people naturally start looking ahead to what’s next. New goals, new plans, and maybe even a few resolutions. But before closing the books on another busy year, there is real value in taking a pause for a year-end financial review.
At James Investment, we often tell clients that progress does not always come from major financial moves. More often, it is the small, consistent habits that help families stay organized and confident in their long-term plans. As you reflect on the past year, here are three often-overlooked habits that can quietly strengthen your financial picture heading into the new year.
Checking in early
It starts with something simple: checking in early. Meeting with your advisor before the holidays, rather than waiting until the last week of December, gives you time to make meaningful updates. Whether it is reviewing your investment mix, adjusting your retirement contributions, or considering a charitable gift, that early conversation can reveal opportunities that deadlines might otherwise close off. A quick meeting before year-end can also help uncover subtle shifts in your financial goals that may have happened throughout the year.
Revisiting your goals instead of setting resolutions
Another habit worth embracing is revisiting your goals instead of setting resolutions. Financial resolutions tend to fade because they are often too broad, such as “save more” or “spend less.” Reviewing your actual progress from this year can be more valuable. Maybe you increased your 401(k) contributions, paid down a loan, or reached a savings milestone. Acknowledge that progress, then decide what the next step should look like. It is far more motivating than starting from scratch each January.
Talk openly about finances
And finally, as the holidays bring families together, it is a natural time to talk openly about finances. These conversations do not have to be formal or uncomfortable. It could be as simple as discussing charitable priorities, reviewing college savings plans, or making sure loved ones know where key estate documents are kept. For many families, having these discussions can reduce future confusion and align everyone on shared values. This is something we often encourage during our planning meetings this time of year.
The truth is, year-end financial reviews are not just about numbers. They are about clarity and connection. Taking a little time now can lead to smoother decisions in the months ahead and ensure your plan reflects what matters most to you.
As this year draws to a close, we encourage you to pause, reflect, and take stock of where you are, not just financially but personally. Sometimes, the smallest financial habits lead to the greatest sense of progress.
If you would like to review your plan before the new year begins, our team at James Investment is ready to help you make confident and informed decisions for the road ahead.
Schedule your complimentary year-end financial review today.
