Dice Financial logo

Dice Financial Services Group

1716 N. Sanborn Blvd, PO Box 790

Mitchell, SD 57301


Phone:     605-996-7171

Toll Free: 800-658-3603


Website: www.dicefinancial.com

January/February 2023

Are Your Finances Ready for the New Year?

Are Your Finances Ready for the New Year

If you're not sure whether your financial strategy is as comprehensive as it could be, a checklist and your financial professional can help. Get a fresh start in the new year by reviewing the items on the list to see if you're on track.

  • List your assets, including investments, savings, retirement accounts, real estate, college funds, and other valuables. Then list liabilities, such as your mortgage; student, personal and car loans; and credit card debt to see the big picture.

  • Revisit your budget. If it’s stretched thin every month, look for ways to reduce costs. Cable and streaming services, cell phone plans, dining and entertainment are good places to start.

  • Save money in an emergency fund to cover living expenses for three months to a year.

  • Come up with a plan to pay off debt, especially high-interest credit cards.

  • Check your credit score and credit reports from the three major credit reporting bureaus: TransUnion, Equifax, and Experian.

  • Review your investments and rebalance your portfolio if your asset allocation* or your risk tolerance has changed.

  • Estimate retirement income needs. Contribute the maximum to an employer’s retirement plan, or at least enough to receive any employer matching funds. No plan at work? Consider opening a traditional or Roth individual retirement account.

  • Save for college with the help of your financial professional.

  • Check your estate planning documents. At a minimum, you need a will; durable powers of attorney for health care and finances; and a health care proxy specifying your treatment preferences.

  • Review your insurance coverage. Protection for yourself and your family might include life, disability, auto, homeowners/renters, long-term care, and umbrella policies.

*Asset allocation won’t guarantee a profit or ensure against a loss but may help reduce volatility in your portfolio.


Enter your Name and Email address to get
the newsletter delivered to your inbox.

Please include name of person that directed you to my online newsletter so I can thank them personally.


Enter your Name, Email Address and a short message. We'll respond to you as soon as possible.

Securities and investment advisory services offered through Osaic Wealth, Inc. member FINRA/SIPC. Osaic Wealth is separately owned and other entities and/or marketing names, products or services referenced here are independent of Osaic Wealth. Insurance Services offered through Dice Financial Services Group.
Dice Financial Services Group and LTM Marketing Specialists LLC are unrelated companies. This publication was prepared for the publication’s provider by LTM Client Marketing, an unrelated third party. Articles are not written or produced by the named representative.

The information and opinions contained in this web site are obtained from sources believed to be reliable, but their accuracy cannot be guaranteed. The publishers assume no responsibility for errors and omissions or for any damages resulting from the use of the published information. This web site is published with the understanding that it does not render legal, accounting, financial, or other professional advice. Whole or partial reproduction of this web site is forbidden without the written permission of the publisher.