2025 Financial Resolutions: Why You Should Reach Out to a Certified Financial Planner®
Starting the Year with Financial Clarity and Confidence
The new year is a natural time for reflection, resolutions, and fresh starts. As a financial planner, I know that one resolution consistently makes its way to the top of many lists: getting financially organized. Whether it’s paying off debt, saving for a home, or finally building that emergency fund, January represents a perfect opportunity to check in on your financial goals and set the tone for the year ahead.
But let’s face it: financial resolutions are often the first to fall by the wayside. Why? Because without a plan, it’s easy to lose momentum or feel overwhelmed. That’s where a Certified Financial Planner® (CFP®) comes in.
Reflecting on Last Year
Before diving into new goals, it’s important to take stock of where you’ve been.
- Did you meet your financial goals for the previous year?
- If not, what were the obstacles?
- What financial wins, big or small, are you proud of?
Reflection isn’t just about identifying what went wrong; it’s about celebrating progress and learning from setbacks. Whether you crushed your goals or faced challenges, understanding the “why” behind your results is key to building a stronger financial future.
The Power of a Plan
Financial resolutions, like any other goal, are more achievable when paired with a clear plan. A good plan answers three critical questions:
- Where am I today? – This means knowing your income, expenses, savings, and debts.
- Where do I want to go? – Define your goals: a debt-free lifestyle, homeownership, a comfortable retirement, or financial independence for example.
- How will I get there? – This is the step-by-step roadmap that turns aspirations into action.
Without this structure, financial goals can feel like vague dreams rather than attainable milestones.
Why Work with a Certified Financial Planner?
A CFP® professional is your partner in financial success. Here’s how we can help:
- Expert Guidance – Financial planning is complex. From investments to taxes, we help you make informed decisions tailored to your unique situation.
- Accountability – It’s easy to get sidetracked or procrastinate. Having someone to check in with keeps you on track.
- Holistic Strategy – We look at the big picture, ensuring all areas of your financial life—from budgeting to estate planning—work together. Have a business? We integrate your business financials with your personal picture.
- Peace of Mind – Knowing you have a professional guiding you through life’s financial challenges helps you focus on what matters most.
Starting 2025 Strong
Here are a few actionable steps to set yourself up for financial success this year:
- Review Your Budget: Is it realistic and aligned with your priorities?
- Set SMART Goals: Specific, Measurable, Achievable, Relevant, and Time-bound goals are more likely to succeed.
- Boost Your Savings: Aim to save at least 20% of your income if possible, starting with building your emergency fund.
- Pay Down Debt: Focus on high-interest debts first while avoiding new unnecessary liabilities.
- Schedule a Financial Check-Up: Make it a habit to meet with your financial planner at least annually to review and adjust your plan.
Take the First Step
Every journey to financial fortitude begins with one step. By committing to your goals, creating a clear plan, and enlisting the guidance of a CFP®, you’re setting yourself up for a year of progress and peace of mind.
If you’re ready to take control of your financial future, let’s start the conversation. Together, we can turn your resolutions into results.
Here’s to a prosperous and fulfilling 2025!
Advisory
As your Chief Financial Officer, I’m here to help you understand the various tools available to you and your business to build your wealth. There are many factors to consider and understanding your goals is key to building a plan that serves you today and well into the future – as your life changes.
Have more questions than answers? Educating you is just one piece of being your personal CFO that I offer. Call (780-261-3098) or email (roxanne@c3wealthadvisors.ca) today to discuss insurance.
Roxanne Arnal is a former Optometrist, Professional Corporation President, and practice owner. Today she is on a mission to Empower You & Your Wealth with Clarity, Confidence, & Control.
These articles are for information purposes only and are not a replacement for personal financial planning. Everyone’s circumstances and needs are different. Errors and Omissions exempt.
