By Kate Welker, CFP®

Can we all agree this year has just been weird? As we head into the end of the year and the holidays it is a natural time of reflection and a slower pace and I believe we all need to embrace that, especially this year. Our holiday celebrations look a little different than in the past. Many of our readers will not be able to see their family, may be struggling financially, or may just be overwhelmed with the changes we have seen. Along with all the craziness and negatives that the world is focused on, there have been positive opportunities this year! I want to encourage you to think back on the year and find the positive moments that might not have happened if we hadn’t been in a global pandemic. Regarding your finances I want you to look back at the year, and decide how you want to move forward.