Ready to make 2025 your best financial year yet? The Friends Talk Money team is here to help! Join Terry, Rich, and Pam as they break down 9 essential tips to set yourself up for financial success in the new year.

1. Unlock Your Financial Future - Begin by consolidating all your year-end IRA statements and harness the power of an online RMD calculator to determine your 2025 minimum distributions. This crucial step ensures you’re setting aside the right amount for a secure future.
2. Refresh Your Records - Keep your IRA beneficiaries up-to-date to safeguard your legacy.
3. Optimize Your Portfolio - Align your investment allocations with your 2025 goals by reviewing your retirement portfolio.
4. Explore Secure Investments - Consider securing a 4% CD, available online, to bolster your financial safety net.
5. Seek Expert Insight - Gain a fresh perspective on your financial strategies by consulting a trusted professional.
6. Enhance Your Security - Use a password manager to protect your personal information and investments.
7. Guard Against SIM Fraud - Contact your phone provider (AT&T, Verizon, etc.) to establish a password-protected process, shielding your SIM from fraudsters.
8. Prepare for Tax Season - With potential tax changes on the horizon, start organizing now to navigate the upcoming tax season smoothly.
9. Reimagine Retirement - As retirement landscapes evolve, envision your future with flexibility, considering the trend of working into later years.