Your Financial Planner-January 2023 Happy New Year!We all make resolutions for the upcoming New Year, now is the time to take a look back at your spending and saving for last year. Check your expenses and income to plan and build for this coming year.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: https://www.annualcreditreport.com/index.action and check carefully for errors, misspelled names or if your Social Security Number is incorrect.Rethink your retirement timeline: The world has changed in past 3 years and has prompted many to review their retirement plans. Can you retire earlier? Do you want to wait a few more years? Discuss this with your Intelligent Investment Management advisor to review your future retirement goals. Contact your Advisor hereSet up retirement account contributions. Tweak your monthly contributions to your 401(k) or IRA. Plan now for your future by funding your retirement investments OR establish and contribute to a new IRA or employer plan. Contact your Financial Advisor with any questions you may have about beginning this process.Pay any quarterly estimated taxes you owe. If you are self-employed, this is especially important to do avoid any tax penalties. The fourth (and final) estimated quarterly tax payment for 2022 is due on Tuesday, January 17, 2022.Fund future projects that will bring you joy: If you still find yourself giving up things you used to to, such as traveling or attending events, take that unspent money and set it aside in investment funds for future goals- "World Tour", "New House Addition", "Entertainment".Review your Quarterly/End of Year statements with your Financial Advisor. Call (970) 403-1234 with any questions you may have.