As the final months of 2025 come into view, it’s natural to revisit the goals you set back in January. The year often speeds up this time of year—with family, travel, and commitments pulling in different directions—making it even more valuable to pause and check in.

Did you commit to saving more, refining your estate plan, or establishing a charitable giving strategy? Maybe you wanted to align your spending with what matters most. Wherever you stand, this is a good time to take stock and finish the year with focus.

At Hill Investment Group, we believe meaningful progress comes less from grand gestures and more from steady, intentional steps. Goals left unattended can linger and create stress. Addressing them now, even in small ways, can bring clarity and momentum into the new year.

Here are a few areas to consider before year-end:

Revisit your plan to confirm it reflects your current stage of life and any significant changes since January—such as retirement, the birth of a child or grandchild, or an inheritance. Even small adjustments, like reviewing account allocations or rebalancing, can help keep your plan aligned with your long-term objectives.

An up-to-date will, trust, or power of attorney helps ensure your wishes are honored and your loved ones are cared for. If your documents are out of date, this may be a good time to refresh them. We’re glad to coordinate with your legal team as part of your broader planning process.

Year-end is often a time when families think about giving. Tools such as donor-advised funds or direct contributions can help support the causes you value. Depending on your circumstances, certain strategies may also provide tax advantages.

If your income allows, consider reviewing contributions to retirement accounts before year-end, especially if you have a company match in a 401(k) or access to a Roth IRA. Even incremental increases may help keep you on track toward your long-term savings goals.

Finishing your 2025 goals isn’t about perfection—it’s about progress. Each thoughtful step you take builds confidence and strengthens your foundation for the years ahead.

If you find your goals overwhelming, or you’re unsure where to start, remember: you don’t have to go it alone. We’re here to help you simplify, focus, and take the long view.

You’re invited to email the team here.

 

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