Have you ever thought about where you might be in the next 5, 15, 25 years?  I mean really thought about it….so much so that you actually carved time out of your busy day, put pencil to paper and recorded your thoughts in a notebook or journal.  And I don’t just mean where you might want to be physically, mentally or spiritually but, financially as well.  I’m guessing not too many people are raising their hand. For those of you who are, congratulations!  You are in the vast minority.  To be honest, way back when, I wouldn’t have had my hand raised either.  

 Hi, I am John Gigliello, a CERTIFIED FINANCIAL PLANNER™, with the Albany Financial Group here in Albany, NY and you are listening to INVEST IN KNOWLEDGE, a podcast about all things financial.

In this episode, I will be discussing some things you can do to shape up your personal finances for a great year-end.  The Fall is an ideal time to examine your financial health and update your financial plans.  

 Also as an added bonus, I’ll let you know at the end of the show how you can contact my office to get a free copy of the LAST CHANCE FINANCIAL PLANNING CHECKLIST, that will help you to organize the numerous items you should really be thinking about before year-end.  

 Now, I don’t know about you, but I just love this time of year.  The humidity disappears and the cooler weather starts to settle in.  The leaves are turning color and you start to settle back into that routine that seems to have disappeared over the Summer.  My family and I make it a point to go apple picking every year and you just can’t beat those cider donuts, can you?  

 And that brings us to the heart of why we are here today; It’s time to get organized again and think about year-end planning.  No matter your age, I feel you can benefit from what I’m going to discuss today.  I have 6 areas of personal financial planning that I want to discuss and instead of bouncing all over the place, I want to try to follow these in a check-list type of manner.  This will then coincide with the planning checklist I mentioned earlier in the show.