As we welcome the start of 2025, it’s the perfect time to reflect on the past year and look ahead to new opportunities and challenges.
Whether you’ve already embarked on your financial journey or are just beginning to envision your future, now is the perfect moment to take charge and implement strategies to guide you toward long-term success.
At 360 Financial, we’re dedicated to helping you pursue a prosperous future through our LifeWealth Plan process. We understand that financial planning isn’t just about managing numbers – it’s about aligning your finances with your values, dreams, and aspirations. That’s why we take a personalized approach, using our F.O.R.M. framework to ensure your plan reflects what matters most: Family, Occupation, Recreation, and Money.
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What are your F.O.R.M. Goals for 2025?
The best financial plans are those that are built around your life goals. That’s why we use the F.O.R.M. framework. This framework ensures that every aspect of your plan is aligned with your vision for the future. By focusing on four key areas of your life: Family, Occupation, Recreation, and Money, the F.O.R.M. framework can shape your financial strategy in a way that genuinely reflects what matters most to you.
Family
Your family is at the heart of many of your financial decisions. Whether you’re funding your children’s education, pursuing a comfortable retirement for your spouse, or planning a legacy to leave to future generations, your family goals are essential to your financial plan. A personalized strategy can help you prioritize these important needs.
Occupation
Your career or business plays a central role in shaping your financial future. Are you looking to advance in your career, transition into retirement, or grow your business? Whatever your professional goals, they will influence your financial decisions. We’ll work with you to ensure that your financial plan supports these career and business ambitions.
Recreation
Life isn’t just about work – it’s about enjoying your time and experiences. Whether it’s funding travel, supporting a hobby, or upgrading your lifestyle, these recreational goals are a critical piece of your financial puzzle. Having a financial plan in place to support these aspirations helps you enjoy life to the fullest.
Money
At the core of any financial plan is building wealth, managing debt, and creating financial security; everything is built from this foundation. Whether you’re saving for retirement, minimizing taxes, or having enough money for emergencies, you can seek a confident future by focusing on your financial goals. In aligning your financial strategy with your F.O.R.M. goals, you can create a plan that supports the life you want to lead.
Tackling Market Volatility with Confidence
Market volatility is inevitable – the markets will rise and fall, and uncertainty is always a part of investing. While market fluctuations can create emotional reactions, it’s important to remember that they have far less impact on your long-term financial success than they do on your short-term emotions.
At 360 Financial, we prepare for market volatility using our simulation software. This powerful tool models a variety of market conditions and economic factors, giving us a deeper understanding of the probability of success in achieving your financial goals. By analyzing different scenarios, we can plan for market ups and downs, helping make your financial plan more resilient in the face of uncertainty.
These simulations help us better understand the probabilities of success in various situations, providing you with confidence that no matter what the market does, your plan remains on track for the long term.
It’s also important to remember that you’re not alone in this journey. Our team is here to guide you through market volatility, ensuring you stay focused on your long-term wealth-building goals, no matter how turbulent the market is. This support provides a sense of security, knowing that you have a dedicated team on your side.
The 4 Pillars of Financial Planning
While managing market volatility is crucial, it’s just one element of a well-rounded financial strategy. At 360 Financial, we believe in addressing every aspect of your financial well-being through our holistic approach to financial planning.
The Four Pillars of Financial Planning address every aspect of your financial well-being, seeking to ensure that you’re building wealth and preserving it. Let’s take a closer look at each pillar:
Retirement and Investment Planning
Designing sustainable retirement strategies and investment plans is crucial for ensuring that you can enjoy your golden years with financial security. Our team helps create customized plans that seek to grow and preserve your wealth for the future.
Tax Planning
Minimizing taxes is a vital part of any financial plan. We incorporate effective tax strategies into your plan to help you retain more of your hard-earned money.
Estate Planning
Planning for the transfer of wealth and preserving your legacy are vital components of a well-rounded financial plan. Whether it’s working towards preserving your assets for your heirs or making charitable contributions, we work with you to build a strategy that aligns with your values.
Risk Management
Life is unpredictable, and having a safety net in place is essential. Our risk management strategies help you protect against unexpected events, such as health issues, accidents, or loss of income. With the right insurance and emergency plans in place, you can face whatever comes with confidence.
Together, these four pillars provide a comprehensive approach to your financial health. Working with a dedicated team helps ensure that all aspects of your financial plan are taken care of, giving you confidence and allowing you to focus on other aspects of your life.
Proactive Planning Throughout the Year
Financial planning is not a one-time event but an ongoing process requiring continuous engagement. Impactful life changes occur, market conditions shift, and new opportunities appear, creating challenges. That’s why it’s essential to regularly check in on your financial plan and adjust it as needed.
At 360 Financial, we believe in proactive planning. We stay on top of your goals, making adjustments based on life events or market conditions. Whether responding to a new tax law or preparing for an impactful life change like retirement, we help ensure your plan is always up to date and that you have a sense of control over your financial future.
Being proactive also means taking advantage of opportunities that seek to maximize your financial success. Whether it's tax-saving strategies or rebalancing your portfolio, staying ahead of the game can make a significant difference.
Set Yourself Up for Success in 2025
As you prepare for 2025, now is the perfect time to ensure your financial plan is aligned with your goals. A personalized LifeWealth Plan, built around your F.O.R.M. goals and designed with proven strategies, will set you on the path to financial success.
At 360 Financial, we’re here to help you navigate the complexities of financial planning and guide you toward achieving your long-term goals. Whether it’s retirement planning, wealth building, or managing market volatility, we provide the expertise and support you need.
Ready to take charge of your financial future?
Contact us today to schedule a consultation and learn how our LifeWealth Plan can help you work towards your 2025 goals and beyond. Together, we can build a strong financial future, no matter what the market brings.
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About 360 Financial
360 Financial is an independent wealth management firm with a team of specialized financial advisors and financial planners. As fiduciaries, 360 Financial’s advisors provide services to business owners, entrepreneurs, and professionals. We help investors with sudden wealth, retirement planning, tax planning, estate planning, and business financial planning.
Headquartered in Minnesota, we serve investors across the US with online and in-person wealth management and financial planning services.
