Dear Mr. Market:

They say it takes 21 days to make or break a habit.

They also say that by mid-January, most New Year’s resolutions have already been abandoned. Gym attendance drops. Diets loosen. Optimism fades just a bit.

Markets, of course, are indifferent to all of this.

But the timing is still useful. Three weeks into the year is often when clarity replaces motivation. And in wealth management, clarity tends to matter far more.

Rather than broad resolutions or generic financial advice, this is a short list of specific things worth revisiting this year, depending on where you are financially. Not because January demands it, but because these are the kinds of decisions that quietly compound over time.