As we approach the holiday season, my family and I are celebrating a joyful addition to our household—a Golden Retriever puppy named Penny! After losing our beloved dog, Noodle, four years ago, we took time to grieve and reflect on what truly matters. This year, we decided it was time to open our hearts to another furry friend, and Penny has already brought so much energy, love, and excitement into our home.
The holiday season, much like Penny’s arrival, reminds us of the importance of preparation and thoughtful decisions. Whether it’s planning for a new family member (two- or four-legged) or setting the foundation for long-term financial success, the principles are the same:
1. Preparing for New Responsibilities
Just as we prepared for Penny by puppy-proofing our home and budgeting for her care, your financial plan should account for life changes. Are there upcoming milestones, like a new home, a new job, college tuition, or retirement, that we need to revisit in your strategy?
2. Creating a Legacy of Care
For our family, losing Noodle taught us about the legacy of care and joy pets bring. In financial planning, leaving a legacy—whether through charitable giving, an estate plan, or multi-generational wealth transfer—is about ensuring that what you care about most is protected and nurtured for years to come.
3. Embracing the Unexpected
Penny has already taught us to expect the unexpected (like chewed-up shoes). Similarly, a sound financial plan includes contingencies for life’s surprises. From emergency funds to insurance and estate plans, it’s all about planning for the unexpected.
As you enjoy the festivities of the season, I encourage you to reflect on your goals and what brings you and your family the most joy. Whether you’re thinking about gifting strategies, reviewing your 2025 goals, or adjusting your investment approach, this is the perfect time to align your financial plans with your priorities.
If you’d like to schedule a year-end review to discuss your financial picture and see if your plans are on track for the new year, feel free to reach out. Just like Penny has become part of our family story, your financial plan is an ongoing story of care, preparation, and growth.
Wishing you and your family a warm and joyful holiday season,
Jason Noble
Clear Picture Financial
