Dhruv got a bonus and asked us for investment advice. We suggested he use some of it for a “Leisure” goal, which he wants to do but never does. We believe a financial planner should help clients enjoy their money and secure their future. Dhruv is shocked that we are asking him to spend.

People make personal, professional, and financial resolutions for the new year. They may believe things change when December ends and January begins. But nothing changes; this idea of investing in a new year is from dividing time into years (and months, weeks, days, etc.).