“The best way to predict the future is to create it.”

– Often attributed to Abraham Lincoln

Randy’s Thought

December 2025

Create Your Financial Future Today

Start shaping tomorrow with smart financial moves today.

As the year draws to a close, December naturally invites reflection and planning. It’s a time when we look back on what we’ve accomplished and start envisioning what’s next. This quote reminds us of a powerful truth: the future isn’t something that happens to us—it’s something we build, one intentional decision at a time.

Why December Is the Ideal Time to Act

The end of the year is more than holiday cheer! It’s a strategic moment for a financial review. Ask yourself:

  • What kind of financial future do I want to create?
  • Am I prepared for the goals I’ve set for the coming year?

December offers unique advantages:

  • Clarity and reflection: You can see how your year went and set realistic goals for the next.
  • Calendar leverage: Acting now gives you a head start before tax deadlines and savings resets.
  • Momentum: Holiday bonuses or extra income can seed emergency funds or debt reduction.

From reviewing your portfolio and adjusting insurance coverage to maximizing retirement contributions and charitable giving, December is the perfect time to align your actions with your aspirations.

Family Financial Goals for the New Year: Why December Is the Perfect Time to Start – Mostt

Year-End Tax and Financial Planning Tips: What to Review Before December 31

Review Your Insurance Coverage Before Year-End

Life changes such as marriage, buying a home, starting a business, etc., can leave gaps in your insurance coverage. An annual review ensures your protection keeps pace with your evolving needs and can uncover savings opportunities. Year-end is the perfect time to confirm coverage limits, update beneficiaries, and explore discounts.

Why You Need an Annual Insurance Policy Review and Needs Analysis

Maximize Charitable Giving for Tax Benefits

Charitable contributions before December 31 can reduce your taxable income and support causes you care about. Strategies like donating appreciated securities or using donor-advised funds can amplify your impact while minimizing taxes. With new tax law changes coming in 2026, 2025 is an ideal year to accelerate giving.
 

Tax-Smart Charitable Giving Strategies 2025 Year-End Guide

Ready to bring creativity into your financial planning?

If you’re ready to create the future you envision, start with small, intentional steps. Work with a financial advisor to turn your goals into actionable plans. Because when you take control now, you’re not just predicting the future, you’re building it. The best way to predict the future is to create it. That starts with intentional financial planning today. Don’t wait for the “right time.” Book a consultation with us now and take the first step toward building the secure, prosperous future you deserve.

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