The CPA Financial Planner | January 2026

This month’s insights focus on navigating complexity at the start of the new year, from protecting family well-being to staying disciplined amid market uncertainty. Research on teens and social media highlights growing concerns around mental health, reinforcing the importance of thoughtful guidance and communication at home. At the same time, recent market volatility serves as a reminder that emotional reactions can derail long-term investment success, underscoring the value of patience and perspective during periods of uncertainty.

January also brings renewed attention to tax and retirement planning fundamentals. Understanding required minimum distributions (RMDs), evaluating Roth conversion strategies, and staying alert to evolving tax scams can help investors protect both income and assets. Together, these topics emphasize the importance of informed decision-making, steady investment discipline, and proactive planning as the year begins and financial priorities are reset.

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