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January: A Time for Financial Renewal and Clarity

Happy New Year to all, from near and far!


As we move through January, with the crisp air and fresh snowfall around us, it's the perfect time to ask ourselves: How are we planning for our finances in the new year?

The arrival of January is not just about flipping the calendar page; it's an opportunity to set a clear direction for your financial journey. We invite everyone, whether you're a long-standing client or new to our community, to consider your financial objectives. Are you focused on saving for a significant goal, optimizing your investments, or just looking to manage everyday finances more effectively? A strategic approach to your financial planning can truly transform your year ahead.

This is an ideal time for reflection and planning. You might be building upon the successes of last year, or perhaps you're looking to steer your financial ship in a new direction. Regardless of your past experiences, the importance of a thoughtful and structured plan is universal.

We understand that amid the busy holiday season, financial planning might not have been your top priority. But with the dawn of January, we're presented with a fresh start. Our team at Gardey Financial Advisors is ready to assist you, no matter where you are. We're committed to helping you develop a plan that aligns with your 2024 goals, offering guidance and support tailored to your unique financial situation.

For those who are wondering where to begin or have specific questions about your financial plans, we're here to help. Reach out to start a conversation that could be the first step towards a year of wise financial choices and significant achievements.

Here's to a year full of new beginnings, clear goals, and purposeful steps!

Warm regards,

Your Gardey Team


Financial Wellness for Everyone: Your Guide to a Healthier Financial Year

As we embark on a new year, January stands not just as the first month but also as Financial Wellness Month. This designation reminds us all - clients, friends, and community members alike - of the critical importance of financial health, especially in the wake of holiday spending. With around 60% of American families living paycheck to paycheck, the impact on both long-term savings and daily living is profound.

Here at Gardey Financial Advisors, we view financial wellness as a comprehensive journey. It's more than just balancing your budget; it's about creating a stable, confident relationship with every aspect of your finances. Our mission is to provide you, our clients and community, with the knowledge and tools necessary for making choices that lead to a financially stress-free and productive life.

In support of this mission, we're excited to share our ANNUAL FINANCIAL CHECK-UP checklist. This valuable resource is designed for everyone, regardless of where you are in your financial journey. It's a straightforward way to evaluate and adjust critical financial areas including income, spending, savings, investments, insurance, and estate planning, offering a well-rounded view of your financial wellness.

This Financial Wellness Month, we encourage everyone to take a moment for a financial health check. Whether you're looking to build on past achievements or redirect your financial path, January is the ideal time for a thorough financial review.

We're here to assist in laying the groundwork for a year of financial growth and stability. Don't hesitate to contact us with any questions or to discuss your financial plans. We best serve clients looking for exceptional client service, who value a long-term partnership, and have a minimum of $500,000 in investable assets. Let's work together to make this year a landmark in smart financial choices and noteworthy progress.

Check Out Our Blog Articles:

2024 Vision: Setting Clear Financial Goals for the Coming Year by Jonathan M. Gardey

The Psychological Power of a Written Financial Plan by Melissa A. Seamon

To better understand the nature and scope of the advisory services and business practices of Gardey Financial Advisors Inc., please review our SEC Form ADV Part 2A and ADV Part 3 (Form CRS) available via the SEC's website, www.adviserinfo.sec.gov. (Click on the link, select “Investment Advisor Firm,” and type in the firm name. Results will provide you both Part 1, 2 and 3 of the Gardey Financial Advisors Form ADV.) Statistics from third-party sources are deemed to be accurate but have not been confirmed by Gardey Financial Advisors.

This communication is for informational purposes only and does not purport to be a complete statement of all material facts related to any company, industry, or security mentioned. The information provided, while not guaranteed as to accuracy or completeness, has been obtained from sources believed to be reliable. Moreover, you should not assume that any discussion or information contained in this commentary serves as the receipt of, or is a substitute for, personalized investment advice from Gardey Financial Advisors. The opinions expressed reflect our judgment now and are subject to change without notice and may or may not be updated. Past performance should not be taken as an indication or guarantee of future performance, and no representation or warranty, expressed or implied, is made regarding future performance. Readers who are not market professionals or institutional clients of Gardey Financial Advisors should seek the advice of their financial advisor, tax, or legal advisor before making any investment decisions based on this communication. Gardey Financial Advisors does not render legal, accounting, or tax advice. Gardey Financial Advisors works closely with our client’s other professional advisors. The solutions discussed may not be suitable for you, even if your situation is like the example presented. Investors must make their own decisions based on their specific investment objectives and financial circumstances. It should not be assumed that the recommendations made in this situation will result in the mentioned outcome. The commentary does not represent any specific clients, investments, or strategies. 


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