With only a few weeks left, reflect on and celebrate what you’ve accomplished this year.

For things you didn’t accomplish, target doing them next year.

Start creating a list of what you want to do in 2024.

Do you want to plan a memorable getaway 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 do you want to do in 2024?

These lifestyle goals (things you want to do) are what we focus on when developing financial plans for clients.

Many items require some money–whether paying the resort fee, hiring a professional, or buying equipment.

To help clients define their lifestyle goals, we use the “5 P’s of Life” as a guide.

The 5P’s are Personal Relationships, Personal Finance, Profession, Peace of Mind, and Physical Health.

Our blog is categorized by these key aspects of life. For ideas on things you may want to accomplish in each area, visit our blog.

Many people think about their New Year’s resolutions as December 31st approaches. But what I’m challenging you to do is think about your life.

How often have you found yourself thinking – another year has gone by so quickly?

Are you doing what you want to do? If not, prioritize it, or it will never get done.

If you think you don’t have much time to reflect on your wants, you’re making an excuse.

You have time to think about it when you shower, drive to work, or even grocery shop – there’s always time.

Stretch your thoughts.

It’s your life.

Dream big and accomplish it!

(Update to original post from November 24, 2016)


Niv Persaud, CFP®, CDFA®, RICP®, is a Managing Director at 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 developing  comprehensive financial plans, divorce financial reviews, and retirement plans. 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.’”