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Tips for Ending the Year Strong Financially

Remember all of those New Year’s goals you made last January? Now that we’re in the home stretch of 2023, it’s time for another check-in—especially if you’re one of the 30% of Americans who resolved to improve their finances.1 If you did a mid-year financial check-in, this is your reminder to check in one last time. And if you forgot what you were working toward, that’s okay too. It’s never too late to reprioritize your finances and refocus on ending the year strong. 

What to Include in Your Year-End Financial Checklist

Here’s a year-end financial checklist that will help you finish strong this year:  

1. Review your goals. 

Dust off those 2023 New Year’s resolutions! Even though the year is almost through, that doesn’t mean you can’t recommit to those goals. If you’ve been keeping them top of mind and working on improving your finances this year, that’s great. Use this check-in to remind yourself of why those goals are important to you, review any unmet goals, and plan to achieve them. As we said earlier, it’s never too late to work on building a stronger financial foundation. If you need a refresh, visit our mid-year financial checklist here

2. Meet with your financial advisor. 

One of the best gifts you can give yourself (and your finances) is a financial advisor. Inviting a well-trained financial professional to help you create and build a solid financial foundation is something you’ll never regret. This person is so valuable because they can look at your finances objectively and help guide your next steps. If you don’t have a financial advisor yet, we’d love to help! Find a SageSpring Wealth Advisor here

3. Conduct a year-end tax review.

Like it or not, we all have to file taxes each year. And in order to make sure you’re not being overtaxed (or undertaxed), a quarterly tax review is key. Check-in with your financial advisor or accountant to make sure you’re on track. If you own your own business, you’ll want to make sure you’re putting aside enough 

4. Plan to be generous. 

In his book The Legacy Journey, Dave Ramsey writes: “Giving is the antidote for selfishness.” When you choose to be generous, you’re not only impacting the recipient . . . you’re impacting yourself. One of the most beautiful things about money is the impact it can have in someone else’s life when you give it away. If you want to include generosity in your financial plan this year, Giving Tuesday is a great time to start. Mark your calendar for Tuesday, November 28, and plan to give to your favorite charity or nonprofit. Your giving can make a huge impact on the lives of others this year. 

Finishing Well in 2023

Ending the year strong financially isn’t just about checking the boxes on your to-do list. It’s about taking a series of small steps that can have a major impact on your finances for years to come.

If you started investing this year, that decision can help you reach your retirement dreams. If you decided to pay off debt this year, that achievement will impact every area of your life . . . and having more freedom in your budget is just one benefit. No matter what your goals look like, we can help. Our financial advisors would love to walk with you as you finish well this year.  

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Jeffrey T. Dobyns

CFP®, CLU, CHFC

President, SageSpring | Financial Advisor, RJFS 
615-861-6102

Jeffrey T. Dobyns

President, SageSpring | Financial Advisor, RJFS

Beyond crunching numbers and investment strategies, at SageSpring, we’re about building relationships. When you encounter Founder & President of SageSpring, Jeff Dobyns, it’s easy to understand why this is at the very heart of who we are as a firm. You won’t find stuffy formalities with Jeff; instead, you can expect to find him sharing a warm smile, communicating a compelling vision, or patiently untangling life’s complex challenges with clients. He believes in truly getting to know clients, understanding their aspirations and priorities, and navigating their financial plans with a tailored, comprehensive approach. Our team members have often been caught taking notes on Jeff’s effortless relationship skills from a distance, and we admire them for striving to learn from one of the best. 

Jeff’s financial expertise and wisdom are the perfect match to his innate people skills. Jeff holds the prestigious CERTIFIED FINANCIAL PLANNERTM certification, Chartered Life Underwriter (CLU®), and Chartered Financial Consultant (ChLU®) designations, and has held executive positions with financial planning firms for more than two decades. 

His dedication extends beyond the office to the boardroom and the local community, where Jeff is passionate about giving back. He serves as Chairman of the Board of Men of Valor, a prison ministry and mentoring program. Jeff also serves on the board of Send Musicians to Prison, which shares hope, healing and restoration with the imprisoned through musicians & artists. Jeff actively supports other initiatives in the community by sitting on the board of The Signatry of Middle Tennessee and the Halftime Institute of Nashville. 

Witnessing his four children, Gracyn, Hunter, Tanner, and Logan, excel on the field is almost just as rewarding, if not more, than celebrating the victories of seeing his clients overcome obstacles and build wealth. Spending weekends boating on the lake, hiking mountain trails, and fishing with his family are the moments Jeff cherishes most. It’s this grounded perspective that reveals the true meaning of wealth for Jeff: not just numbers on a page, but the freedom to create experiences that enrich your life and the lives of those you love. When you choose the Dobyns McMillin Wealth Team, you choose more than financial expertise. You choose a partner who champions your dreams, celebrates your victories, and walks besides you on the path to achieving your unique goals.

**Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER TM, CFP® (with plaque design) and CFP® (with flame design) in the U.S., which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.