With only a few weeks left in the year, reflect on and celebrate what you’ve accomplished this year. For those things you didn’t get around to, target accomplishing them next year.

Start creating a list of what you want to do in 2017.

Do you want to plan a special get away with your best friend?

Do you want to take control of your finances?

Do you want to find a new job?

Do you want to pursue another degree or certification?

Do you want to walk a mile daily?

What is it you want to do in 2017?

Use the 5 P’s of Life to define your wants. The 5P’s are: Personal Relationships, Personal Finance, Profession, Peace of Mind, and Physical Health. Identify one thing you want to do in each area. For ideas, visit our the following blog posts:

Personal Relationship

Personal Finance


Peace of Mind

Physical Health

Many people think about New Year’s resolutions as year-end nears. But what I’m challenging you to do is think about your life. How many times have you found yourself thinking – another year has gone by so quickly. Are you doing what you want to do? If not, make it a priority or else it will never get done.

If you think you don’t have a lot of time to reflect on your wants then find time. Think about it when you shower, when you drive to work, when you’re grocery shopping – there’s always time. Stretch your thoughts. It’s your life. Dream big and accomplish it.

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Niv PersaudNiv Persaud, CFP®, CDFA™, CRPC®, is the Founder of Transition Planning & Guidance, LLC. Life is more than money. It’s about living the lifestyle you want and can afford. For that reason, Niv consults with clients on money, life, and work. Her approach capitalizes on techniques she learned throughout her career, including as a management consultant, executive recruiter, and financial advisor. Her services include spending plan, financial plan, divorce financial review, life strategy, and professional progression. Niv actively gives back to her community through her volunteer efforts. She believes in living life to the fullest by cherishing friendships, enjoying the beauty of nature and laughing often — even at herself. Her favorite quote is by Erma Bombeck, “When I stand before God at the end of my life, I would hope that I would not have a single bit of talent left and could say ‘I used everything you gave me’.”