A Fresh Start for Your Finances
As we welcome 2026, it’s the perfect time to pause, reflect, and realign. The start of a new year isn’t just about resolutions; it’s about strategy. At Concentric Wealth Management, we believe a strong financial reset begins with clarity: understanding where you are, defining where you want to go, and building a plan that connects the two.
This is your opportunity to set the tone for the next 12 months and beyond, by creating a comprehensive wealth strategy that supports your personal and professional goals.
1. Reflect on 2025: What Worked, What Didn’t
Before setting new goals, look back at your financial journey in 2025.
- Did your savings and investment contributions stay on track?
- Were there surprises—positive or negative—in your cash flow, taxes, or portfolio performance?
- How did market volatility, interest rate changes, or inflation impact your plan?
Conducting a “financial audit” is the first step toward better alignment in 2026. Reviewing past results helps identify gaps and opportunities.
2. Redefine Your Goals: From Short-Term Wins to Long-Term Wealth
Goal setting is about prioritization. Instead of vague resolutions (“save more,” “invest better”), translate intentions into measurable, time-bound objectives.
At Concentric, we help clients frame their goals around four wealth pillars:
- Liquidity: Maintain 3–6 months of expenses in an emergency savings account.
- Growth: Align investment strategy with your risk tolerance and market outlook.
- Income: Optimize reliable income sources, such as Social Security, pensions, dividends, or annuities.
- Legacy: Incorporate tax-efficient giving and estate planning into your broader vision.
3. Align Your Investments with Today’s Markets
2026 begins amid shifting economic currents, rate cuts, renewed corporate growth, and the continued evolution of artificial intelligence, which is shaping productivity. These dynamics reinforce why diversification and balance remain key.
At Concentric, we encourage clients to:
- Rebalance portfolios to maintain intended risk levels.
- Consider the role of fixed income, alternatives, and private markets for stability and growth.
- Reassess asset allocation against long-term objectives, not short-term headlines.
4. Plan for Taxes Early and Often
Tax efficiency is the cornerstone of wealth preservation. Start early by reviewing:
- Contribution limits for IRAs, Roth accounts, and 401(k)s.
- Harvesting opportunities for capital gains or losses.
- Gifting and estate thresholds under updated IRS rules.
Early collaboration with your financial advisor and CPA can help optimize deductions, minimize liabilities, and position your portfolio for after-tax success.
5. Automate Progress and Stay Accountable
Consistency compounds results. Automate savings, investments, and charitable giving to keep your plan on track—then schedule quarterly reviews to adjust for market or life changes.
At Concentric, we use a 360° planning approach that integrates investment management, retirement strategy, tax planning, and estate coordination. This proactive structure ensures your financial life moves forward intentionally and in harmony.
Conclusion: Make 2026 the Year of Strategic Action
A financial reset isn’t about starting over; it’s about leveling up. By setting clear goals, aligning your investments, and staying disciplined throughout the year, you can move from uncertainty to confidence.
Our advisors specialize in helping clients turn clarity into action. Whether you’re refining your investment plan, optimizing taxes, or reimagining your long-term wealth strategy, we’re here to guide the process.
Ready to start your 2026 Financial Reset? Schedule a conversation with a Concentric Wealth Management advisor today.