b'4. Create a savings and investment plan for the9. Partner with a financial professional who specializes future in working with dentistsSavings and investing for the future are essential. BeyondWhile it may be appealing to do it yourself, your financial future your emergency fund, allocate a portion of your income tois far too important to resort to a DIY approach. Its critical to long-term savings and investments. Maximize contributionswork with a financial professional who can help guide in ways to tax-advantaged accounts, like Health Savings Accountsyou can grow your wealth and protect what is most important (HSAs) and Flexible Spending Accounts (FSAs), as wellto you. That said, not every financial professional will do. as retirement vehicles such as a 401(k) or IRA, to secureFind a financial professional who has experience in working your financial future. Additionally, explore other investmentexclusively with dentists; they will have a level of familiarity with opportunities that align with your risk tolerance andthe specific needs of your career that will benefit you in the financial goals.long run.5. Plan with taxes in mindConclusion Understanding your tax situation can lead to significantPreparing financially for a New Year is a proactive step toward savings. Familiarize yourself with tax deductions andachieving your financial aspirations and maintaining peace credits applicable to your circumstances. Consult with aof mind. By creating a budget, building an emergency fund, tax professional to ensure youre making the most of tax- managing debt, saving, and investing wisely, and staying saving opportunities.informed about taxes and insurance, you can set yourself up for a prosperous and secure future. Remember, financial 6. Reduce your exposure to risk preparedness is a continuous journey, and with dedication and Review your insurance policies to make sure you havecareful planning, you can make the most of the year ahead.adequate coverage for your needs. This includes disabilityTreloar & Heisel, an EPIC Company, is a financial services income insurance, professional liability (malpractice), life,provider to dental and medical professionals across the health, auto, home and umbrella coverage. Adjust yourcountry. We assist thousands of clients from training to coverage as necessary to protect your assets and lovedpractice and through retirement with a comprehensive suite ones effectively. of financial services, custom- tailored advice, and a strong 7. Set SMART goals service-focused support team. For more information visit us at www.treloaronline.comSpecific, measurable, achievable, relevant, and time-boundTreloar & Heisel, Treloar & Heisel Wealth Management, and (SMART) financial goals for the New Year will help youTreloar & Heisel Risk Management are all divisions of Treloar & keep track of your progress. Whether its saving for a downHeisel, LLC. payment on a house, starting a family, or funding a dream vacation, having clear objectives will motivate you to stayInvestment Advice offered through WCG Wealth Advisors, on track and make sound financial decisions.LLC, a Registered Investment Advisor doing business as Treloar & Heisel Wealth Management. Treloar & Heisel Wealth 8. Monitor your progress Management is a separate entity from The Wealth Consulting Monitoring financial preparedness is an ongoing process.Group and WCG Wealth Advisors, LLC. Regularly review your financial goals to measure progress.Insurance products offered separately through Treloar & Heisel Adjust your plan as needed, especially when life events orand Treloar & Heisel Risk Management. circumstances change. Consistent monitoring will help youTreloar & Heisel, LLC. and its divisions and WCG Wealth stay in control of your finances.Advisors, LLC do not offer tax or legal advice.21'