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Your Financial Planner-January

Your Financial Checklist

Happy New Year’s!

2020 was a year of change in all ways- this pandemic altered they way we live, socialize, recreate and spend. Although a vaccine is being distributed throughout the United States, we're still living with the effects of COVID-19 in our communities. January is typically a time for reflection and making new efforts to change through resolutions. Take a moment to count your blessings and move forward into a time of healing. 

Look back at last year. Check your expenses and income to plan and build for this coming year. Budgeting may seem like a bore but view it as a way to ensure you have enough funds for what you truly value and enjoy- a secure retirement, a trip or two every year, a new car or upgrades to your present house or even, a new home!

  • Review your credit report: The Big 3-Experian, TransUnion and Equifax-must provide everyone with one free credit report per year by law. Request one at: and check carefully for errors, misspelled names or if your Social Security Number is incorrect.
  • Set up retirement account contributions. Tweak your monthly contributions to your 401(k) or IRA.
  • Pay any quarterly estimated taxes you owe. If you are self-employed, this is especially important to avoid penalties. The fourth (and final) estimated quarterly tax payment for 2020 is due on Thursday, January 15, 2021.
  • Review your Quarterly/End of Year statements with your Financial Advisor. Call (970) 403-1234 with any questions you may have.

National Holidays

Martin Luther King Day, January 18th

Each year on the third Monday of January,
America honors the life and dream of Dr. Martin Luther King, Jr. <br /><br />

Each year on the third Monday of January, America honors the life and dream of Dr. Martin Luther King, Jr. 

  • Martin Luther King day is the only federal holiday considered a national day of service. 
  • Dr. King is one of two Americans whose birthday is celebrated as a National Holiday; the other being George Washington, whose birthday is celebrated as President's Day.

Fun Facts For January

  • Keep warm by using a doorstopper to cut down on drafts
  • weather-stripping for doors and windows that may allow the cold weather to creep inside
  • get and install a Smart-Thermostat 
  • enjoy cooking more at home

It's National Soup Month

"To feel safe and warm on a cold wet night.

all you really need is soup."

-Laurie Colwin

Try this recipe: Chicken soup for winter