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2021 Year End Reflections

| December 05, 2021
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As the year draws to a close, I set my sights on goal planning and getting my thoughts in order so I can start the year off with intention.  The backbone of personal financial planning is all about getting your financial affairs in order so you can achieve your life’s goals…no matter how big or how small.  Maybe you dream about a retirement at the ocean?  Maybe you dream about having no debt and an emergency fund in the bank?  No matter what your goals are, the first step is always to be honest with yourself and have intention for that goal. 


Hand in hand with goal planning is the feeling of gratitude. If goals are the backbone of the financial plan, having gratefulness for what you do have is the heartbeat.  After setting next year’s financial goals, sit back and look back on how far you’ve come.  Not just how much “money” you have, but your relationship with money and how it is a tool to help you achieve what is truly important in life.  How is your mindset?  Are you making emotional decisions about your stock portfolio and taking on too much risk chasing after a financial goal?  Are you choosing to ignore your finances because of the fear of not knowing what is around the corner?  Both feelings are more common that most people think, and it’s a change of mindset that can help bring the balance we seek with money.


So what are your financial goals for 2022?  Hey….let’s write them down!!  What’s that old saying….a dream is just a dream until you write it down and then it becomes a goal?  And how do we achieve that goal?   What do we do first?  We take one step towards that goal.  Then another.  Then another.  We ask for help.  We learn more.  We ask questions.  We make the hard decisions and we even forgive ourselves for the wrong ones.  And then we look back in gratitude for how far we’ve come…no matter how far it is.  Even if it’s just January 2nd.


See you next month,



Kimberly Enders CFP® CWS©


Enders Wealth Management

37800 Van Dyke Ave, Suite 125

Sterling Heights MI 48312


Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the CFP® certification mark, the CERTIFIED FINANCIAL PLANNER™ certification mark, and the CFP® certification mark (with plaque design) logo in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.

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