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Money decisions can feel overwhelming. There are so many choices—how to spend, save, invest, and give. But here’s the good news: it doesn’t have to feel that way. When your financial decisions line up with what matters most to you, everything gets clearer. That’s what values-based planning is all about.
Instead of chasing random goals or comparing yourself to others, you create a plan that reflects your life, your priorities, and your version of success.
1. Define Your Core Values
Before you can align your financial decisions with your values, you need to know what those values are. Ask yourself: What matters most to me? Family, freedom, security, generosity, growth, legacy—these are just a few examples. Consider journaling or discussing with a partner or advisor to identify your top 3–5 values. Once defined, these values become your compass for evaluating financial choices.
2. Create a Values-Based Spending Plan
Traditional budgeting focuses on categories and limits. A values-based spending plan, on the other hand, prioritizes what brings you joy, fulfillment, and peace of mind. For example, if 'family' is a core value, allocating more toward travel or education for your children may feel more aligned than spending on luxury items. This approach helps you spend intentionally and avoid guilt or regret.
3. Align Your Investments with Your Purpose
Investing isn’t just about returns—it’s about purpose. Ask yourself: Does my portfolio reflect my values? For some, that might mean incorporating ESG (Environmental, Social, Governance) criteria. For others, it’s about funding retirement goals that support a lifestyle of freedom and contribution. Working with a fiduciary advisor can help ensure your investment strategy supports both your financial objectives and your personal mission.
4. Ask This Questions Before Big Decisions
Major financial decisions—like buying a home, changing careers, or gifting to family—can be stressful. Here’s one simple question to guide you: 'Does this decision move me closer to the life I want to live?' If the answer is yes, proceed with confidence. If not, pause and reassess. This helps you avoid reactive choices and stay true to your long-term vision.
5. Revisit and Refine Over Time
Your values may evolve as life changes. That’s why it’s important to revisit this regularly—especially during transitions like retirement, career shifts, or family changes. Schedule annual check-ins with your advisor to ensure your financial plan continues to reflect your current priorities. This ongoing alignment builds confidence and keeps your financial life on track.
Your Money, Your Meaning
Financial planning isn’t just about numbers—it’s about meaning. By applying this framework, you can make decisions that feel right, reduce stress, and build a life that reflects your deepest values. Whether you’re preparing for retirement or navigating your peak earning years, this approach empowers you to live intentionally and invest in what matters most.
Ready to explore your Great Life? Start by defining your values and having a conversation with your advisor. Your future self will thank you.
Need Help?
Whether you’re ready to get started today or you’re just exploring your options, talk to an advisor to discuss your next steps.
Disclaimer
The information provided in this article is intended solely for educational purposes. It is designed to offer insights into financial planning and family wealth strategies, aiming to enhance understanding of financial concepts and decision-making. This content should not be interpreted as personalized investment advice or a recommendation for any specific strategy, financial planning approach, or investment product. Financial decisions are deeply personal and should be made considering the individual’s specific circumstances, goals, and risk tolerance. We recommend consulting with a professional financial advisor for personalized advice
