Top Financial Resolutions for 2026

As we step into 2026, many families are looking for something different, not bigger portfolios, but a more intentional relationship with their money. Here’s what I’m encouraging clients to focus on this year.

1. Shift from “growth at all costs” to “intentional wealth.”

After a decade defined by chasing returns, investors are realizing that peace of mind is a better yardstick than performance alone. A healthy step forward is clarifying what “enough” truly means for you, and letting your investments and spending reflect your values, not just market headlines.

2. Simplify your financial life.

Consolidate where you can. Reduce the noise. Streamline your subscriptions, accounts, and cash flow. Complexity creates anxiety and errors; simplicity creates clarity, confidence, and better decision-making.

3. Build liquidity before reaching for yield.

With rates moving and markets finding their footing, flexibility is a strategic advantage. A well-funded cash reserve gives you room to stay patient, avoid emotional moves, and take opportunities on your terms.

4. Revisit your tax strategy early.

Taxes quietly erode wealth more than most market cycles. Use the beginning of the year to map out opportunities, charitable giving, Roth conversions, gain/loss harvesting, so your tax plan supports your long-term priorities.

5. Invest in relationships, not just returns.

For most families we work with, the real goal isn’t beating an index; it’s having more time with the people who matter. Let your wealth help you reclaim time, energy, and presence, not just accumulate more balances on a statement.

6. Bring your estate plan up to date.

If it has been more than five years since you reviewed your will, trust, or beneficiary designations, it’s time for a refresh. Life evolves faster than the documents that protect your family.

7. Treat your health as a financial asset.

Your longevity, earning power, and everyday quality of life flow from your health. Investing in sleep, fitness, and nutrition is just as much a part of a sound financial plan as saving and investing.

8. Set one “learning goal” around money.

You don’t need to become an expert, just keep building confidence. That might mean understanding your portfolio more clearly, reading a single finance book, or taking a class. Progress compounds.

9. Reevaluate your advisor relationship.

The right question isn’t only “How did we do?” but also “Do I feel understood?” Great advice should feel personal, relational, and aligned with who you are today, not who you were five years ago.

10. Make generosity part of your financial DNA.

Whether through family gifting or philanthropy, giving creates a sense of meaning that numbers alone can’t. Gratitude and generosity tend to be strong predictors of long-term financial contentment.

Context for 2026

With inflation still working its way through the system, uneven economic growth, and investors recalibrating after several volatile years, the best financial resolutions aren’t about taking more risk, they’re about restoring balance. This year is an opportunity to make your financial plan a source of stability, clarity, and purpose.