THE TOP 10 WAYS AMERICANS CAN STILL SAVE MONEY IN 2026 a KTBS 3 Feature

Описание: Top 10 Money Moves to Start the New Year Right

1️⃣ Review your full financial picture 💼
Take inventory of accounts, debt, savings, and spending so decisions this year are based on facts—not assumptions.

2️⃣ Rebuild emergency savings 🛟
Having 6–12 months of expenses set aside helps avoid debt or forced investment sales when life happens.

3️⃣ Reassess investment risk 📉📊
Market swings can quietly change your risk level, making a review important to ensure your portfolio still matches your timeline.

4️⃣ Plan for taxes early 🧾
Early planning creates more flexibility to manage income, deductions, and future tax surprises before the year is locked in.

5️⃣ Check retirement contributions 💰
New contribution limits and employer matches make the start of the year the best time to confirm you’re not leaving money on the table.

6️⃣ Stress-test retirement income 🏡
Savings don’t pay bills—income does—so it’s important to understand how your money will flow in retirement.

7️⃣ Rebalance investments ⚖️
Over time, portfolios drift, and rebalancing helps bring risk back in line without trying to time the market.

8️⃣ Review insurance & beneficiaries 🛡️
Life changes fast, and outdated coverage or beneficiaries can create gaps or unintended outcomes.

9️⃣ Update estate & legacy plans 📜
Wills, powers of attorney, and beneficiary designations should reflect current relationships and intentions.

🔟 Schedule a planning checkup 🧭
A coordinated review helps ensure investments, taxes, income, protection, and legacy all work together.
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Investment advisory services offered through Brookstone Capital Management, LLC (BCM), a registered investment advisor. BCM and Evans Financial Group are independent of each other. Insurance products and services are not offered through BCM but are offered and sold through individually licensed and appointed agents.

Insurance guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company and may be subject to fees, surrender charges and holding periods.

Investing involves risk including the complete loss of principal. Any statements regarding protection or lifetime income refer only to fixed insurance products, never securities or investment products.

Information provided is not intended as tax or legal advice, and should not be relied on as such. You are encouraged to seek tax or legal advice from an independent professional.