2025 Financial Resolutions:
Overcoming the Mental Hurdle for Peace of Mind
As the excitement of the new year settles, many find themselves reflecting on their resolutions. While some goals already feel out of reach and some resolutions already broken, now is the time to recalibrate and embrace a fresh start. Taking control of our financial well-being often gets put on the backburner. Assessing finances and setting long-term goals can feel overwhelming and time consuming. However, a partnership with a financial planner can provide the coaching, continuity, competence, and convenience that you may need to achieve financial peace of mind.
At Total Wealth Planning, we use Dimensional Fund Advisors’ “Cornerstones of Advice” to guide our clients. Here’s how you can make 2025 the year of financial empowerment.
Building a Secure Future through Coaching:
Financial peace of mind begins with preparation. A financial planner serves as a coach by evaluating your current financial situation. This may include identifying risks such as inadequate emergency funds, overexposure to an individual stock, or underfunded retirement plans. By taking proactive steps, you lay the groundwork for a stable and resilient future. Whether it’s establishing a financial safety net or planning for significant milestones, a financial planner will be there as a sounding board.
Maximizing Investments and Opportunities through Continuity:
The financial landscape is ever-changing, but consistency is key. A long-term relationship with a financial planner ensures diligent monitoring and adjustments of your investment portfolio, and focuses on your financial goals, even as life evolves. Continuity keeps your financial goals on track, helping you adapt to challenges and capitalize on opportunities to ensure your investments work for you year after year.
Empowering Financial Literacy through Competence:
Knowledge is a powerful tool. A partnership with a financial advisor can help you enhance your understanding of budgeting, investments, and financial planning strategies to gain confidence in navigating complex financial scenarios with clarity. A financial advisor’s knowledge and expertise converts financial anxiety into clarity and control over your financial future.
Simplify Financial Planning Through Convenience
Managing your finances shouldn’t add stress to your life. A skilled financial planner simplifies the complexities of financial planning by handling the intricate details of investment management and planning by streamlining processes so you can focus on your life and goals and providing peace of mind that your finances are being monitored by an expert. Having a trusted partner who takes the burden off your shoulders is the relief you may need to accomplish many other goals in life.
Make 2025 the Year of Financial Empowerment
This year, commit to taking control of your financial future. By working with a financial planner, you’re not just addressing your finances, you’re building a secure, confident, and prosperous future. The journey starts with small, intentional steps, supported by expert guidance tailored to your unique goals. If you enjoyed this blog, you might also enjoy reading more about our favorite financial resolutions that include tuning out financial entertainers, stop searching for “get rich” opportunities, and living within your means. Cheers to a brighter 2025!
About the author: Chris Allen, CFP® is a wealth advisor and the Director of Financial Planning at Total Wealth Planning, a fee-only fiduciary financial planning firm in Cincinnati (Blue Ash), Ohio. Chris assists clients in creating a sound financial future while serving on the Firm’s Investment Policy Committee and technical financial planning team. Prior to joining the Firm in 2015, Chris worked as a Certified Financial Counselor with a non-profit financial counseling organization, where he consulted with numerous families and helped establish sustainable spending plans. Chris can be reached at callen@twpteam.com.
