Start the Year Strong: Smart Retirement Moves You Should Make Now

A new year is the perfect opportunity to reset—not just your personal goals, but your retirement strategy as well. Whether retirement is right around the corner or you’re already enjoying it, small adjustments made early in the year can have a powerful impact on your long-term financial confidence.

January is an ideal time to pause, review, and ensure your retirement plan is still aligned with your life today—not the one you planned for years ago.

1. Review Your Retirement Accounts

Start by taking a close look at your retirement accounts. Are your investments still aligned with your current goals and risk tolerance?

As retirement approaches, protecting income and preserving assets often becomes more important than pursuing aggressive growth. Life changes, market conditions, and personal priorities can all shift over time, making periodic reviews essential.

This is also the perfect time to confirm your beneficiaries on all accounts—an often-overlooked step that plays a critical role in ensuring your assets are distributed according to your wishes.

2. Evaluate Your Retirement Income Strategy

Next, assess how your income will flow in retirement. Do you have clarity around where your monthly income will come from?

A strong retirement income strategy typically includes multiple sources—such as Social Security, pensions, investments, and guaranteed income options—working together seamlessly. When coordinated properly, these income streams can help support your lifestyle and provide stability, even during periods of market volatility.

3. Take Action Early

The beginning of the year is one of the best times to be proactive. A simple annual retirement review can uncover missed opportunities, identify potential risks, and help you move forward with clarity and confidence.

Small steps taken now can make a meaningful difference later.

Take the First Step Toward a Stronger Financial Future

👉 Schedule your complimentary retirement checkup with the team at Precise Financial Solutions here! Our goal is to help you prepare, protect, and prosper—so you can move through retirement with confidence and peace of mind.

Precise Financial Solutions and Kinetic Investment Management, Inc. are two separate entities. Insurance products and services are offered and sold through individually licensed and appointed agents in all appropriate jurisdictions under Precise Financial Solutions. Investment Advisory Services are offered through Kinetic Investment Management, Inc., a registered investment adviser.

Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.