A Small Year-End Note Before We Step Into 2026

year-end reflection for women facing new beginnings

Happy New Year! The week between Christmas and January 1 can feel both quiet and surprisingly emotional. Many of us are catching our breath, taking stock, and trying to decide what we want more of in the year ahead.

If you are facing a new beginning, divorce, widowhood, an empty nest, a career change, or a retirement transition, I want you to understand this. You do not have to have everything figured out right now. A good plan starts with honesty and a small first step.

Here are three gentle prompts to carry into the next week:

Try this

  1. Name what you want more of in 2026. Not a goal. Just a direction. Calm. Freedom. Simplicity. Health. Connection.
  2. Choose one “protective habit.” Something small that guards your time, energy, or attention.
  3. Pick one practical money step for January. A 20-minute check-in. Updating beneficiaries. One automation. One thing that reduces future stress.

If you are in “New Year’s resolution” mode, you might like this short piece where I suggest shifting from resolutions to habits that stick: Apprise’s Five Favorite Reads for the Week of January 5, 2025. Think About Habits When Setting New Year’s Resolutions.”

Next week, I will share my Three Words for 2026 and explain how I use them to make clearer decisions when life gets busy. If you are curious about the exercise, you can read last year’s post: My Three Words. 2025 Version.”

If you would like a simple reflection exercise for this season, you might also like: How Are You Spending Your Time, Energy, Attention, and Money (TEAM)?”

If you’d like a calm, clear plan for the year ahead, I invite you to schedule a call. If you prefer to stay quietly connected, you can subscribe, and I’ll send new posts straight to your inbox.

Our practice continues to benefit from referrals from our clients and friends. Thank you for your trust and confidence.

We hope you find the above information valuable. If you would like to talk to us about financial topics, including your investments, creating a financial plan, saving for college, or saving for retirement, please complete our contact form. We will be in touch. You can also schedule a call or a Zoom virtual meeting.

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For firm disclosures, see here: https://apprisewealth.com/disclosures/

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