As my team at Keen Wealth Advisors starts looking ahead to 2022, there are things we know, and things we don't know.

On the one hand, year-end announcements from the Social Security Administration, the IRS, and the Centers for Medicare and Medicaid Services have allowed us to start making some more detailed projections as we prepare for the year ahead.

But with a new COVID-19 variant circulating, inflation on the rise, and legislation still under debate in Washington that could affect taxes and retirement accounts, we have to maintain flexibility as well. As we discuss on today's show, history tells us that financial planning requires a delicate balance between making the most out of the present and laying the groundwork for success in the future.