At this time of year, many of us are thinking about New Year’s Resolutions and financial goals for next year.  I know I’m not the only one …


It can be tough to think about the long term.  After all, a lot can happen!  I know my life is very different that it was 10, 20 or even 5 years ago.

But in a way, that’s what financial planning is all about.  If you have a vision of your future, a financial plan can help you get there.  But you need a vision, no matter how rough that picture may be.

I’d like to share an exercise that can help you create your vision of the future.

Write a letter. Date the letter January 1, 2021.  (Seriously).  That’s five years into the future, a time frame I find more manageable.

Talk about what you’ve been up to …

  • How do you spend your time?
  • Where do you live?
  • Who do you spend your time with?  How old are your kids now?
  • What do you like to do for fun?

You can address the letter to me or someone else.  You don’t have to share it, but I think it is more powerful if you do.   (And I would love to read it and schedule a time to talk to you about it).

I have found this exercise to be very helpful in my own life.  (And the letter I wrote 5 years ago was surprisingly accurate!)

Hopefully you will like this idea, have fun with it, and gain clarity around your goals in the process.  Once you have that, I can help with your financial plan to get there.

Let me know what you think and if you’d like to talk about it.  And Happy New Year!