Welcome 2026: A Year to Save More, Invest Smarter, and Plan With Purpose

As we step into 2026, I’m excited to share a moment that’s both a professional milestone and a reminder of how far thoughtful financial planning can take you.

 

I was recently quoted in Investor’s Business Daily in their feature “Best Money Resolutions For 2026: How To Save More And Invest Smarter,” where I discussed the foundational principles that can help investors build confidence and clarity this year, especially after years defined by volatility and uncertainty.

 

This recognition reflects what I see every day in my work with families and individuals: success in finance isn’t about the latest trend or trying to chase returns: it’s about intentionality, stability, and having a plan that supports both your goals and peace of mind. 

 

In the IBD article, the focus wasn’t on shiny financial gimmicks or market timing. Instead, it centered on smart, grounded steps you can take right now to improve your financial life. These resolutions aren’t complicated, but they are powerful.

Here are a few key takeaways I’m encouraging clients (and now our readers) to embrace this year: 

 

1. Get Clear About What “Enough” Means

Too many of us are chasing a number on a screen instead of a life that feels good to live. Defining what “enough” looks like, in terms of security, lifestyle, and freedom, creates a roadmap that aligns financial choices with your values. 

 

2. Build and Preserve Liquidity

A healthy cash reserve isn’t idle money, it’s strategic firepower. It helps you weather volatility without panic and gives you the advantage of moving deliberately rather than reacting emotionally. 

 

3. Strengthen Your Emergency Fund

In a world where job changes and unexpected expenses are common, a solid emergency cushion is one of the most impactful parts of your financial plan.

 

4. Maximize Your Tax-Advantaged Accounts

Let your money work smarter with tools like Health Savings Accounts (HSAs) and increased retirement contributions. Even small adjustments early in the year can have outsized effects over time. 

 

5. Focus on What Matters, Not Market Noise

Daily market watching rarely leads to better decisions. Rebalancing periodically and staying committed to your plan keeps you aligned with long-term success.

At Copper Beech Wealth, we’ve always believed financial planning should be both strategic and human. That means setting goals you understand, building resiliency into your plan, and making decisions that reflect your priorities, not headlines.

 

As you think about your financial goals this year, whether that’s strengthening your retirement plan, building liquidity, or simply gaining more confidence in your money decisions, here are a few thoughtful steps to take:

• Write down your financial goals for 2026 and revisit them quarterly.

• Review your emergency savings and identify realistic targets.

• Take advantage of every tax-efficient strategy available to you.

• Eliminate unnecessary costs and simplify where possible.

• Anchor your investing decisions in planning, not emotion.

These habits build resilience — and resilience is the foundation of long-term financial confidence.

Being featured in Investor’s Business Daily wasn’t just a professional highlight, it was an opportunity to amplify the same guidance I share with clients every day. I’m passionate about helping you enter this year with clarity, confidence, and a plan that helps you live the life you want.

 

Here’s to a thoughtful and successful 2026, may it be your most intentional financial year yet.

— Adam