Many people make resolutions on New Year’s Day. However, no matter what your resolutions are, the key isn’t making the list, it’s sticking to it. Here are four resolutions that can help increase your financial fitness today and in the new year.

  1. Create a budget for life – Creating your own budget and net worth statement can help you build your retirement road map and stay on track.
  2. Manage your debt – Be the master of your debt, not the other way around. Identify your good debt and work to pay down and eliminate your bad debt.
  3. Optimize your portfolio – Work with a financial consultant to ensure your portfolio has diverse investment mix to best achieve your future retirement goals.
  4. Prepare for the unexpected – If 2020 has taught us anything it is that life can be upended by all kinds of surprises. Work with your financial advisor to create an emergency financial savings plan.