As the year winds down, many of us naturally reflect on what went well and where we can improve. That process should include more than just personal goals; it should include our finances. A year-end financial checkup helps ensure your plan remains aligned with your goals and prepares you for a stronger start in the new year.

I like to begin with the basics: your budget and spending habits. Take a moment to review how your income and expenses have changed over the past year. Inflation, lifestyle shifts, or new responsibilities can all affect cash flow.