Firm Commentary

Starting well often determines where you end up—and your financial life is no exception. As you prepare for 2026, a few intentional steps now can set the tone for a stronger, more confident year ahead. If you haven’t already, take a look at our 2025 Year-End Financial Checklist posts. Then use the ideas below to build momentum as you step into the New Year!

• Review savings targets

With updated IRS contribution limits for 401(k)s, HSAs, and IRAs, this is a great moment to adjust your automatic savings percentages. And if you’re turning 50 or 55 this year, don’t forget the added boost of catch-up contributions.

• Update subscriptions

Scan your bank or credit card activity for recurring charges. It’s easy to overlook subscriptions you no longer use—or didn’t even realize you signed up for.

• Revisit tax withholding

Expecting a raise or bonus in 2026? Now is the time to adjust your paycheck withholding to avoid surprises next tax season. And with the recent tax law change, individuals age 65+ qualify for an additional deduction, which may allow for a lower withholding. A quick call to your tax advisor is a smart move. 

If you’d like help coordinating these steps—or want to explore how a customized plan can bring clarity to your financial future—we’re here for you. Reach out at https://www.connected-wealth.com/next-steps.