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PAGE 2 To advertise call (775)727-8787 January 2026

FAITH, FAMILY, & INSURANCE

By Vince Muir
Happy New Year! With a brand-new calendar year ahead of us, there is no better time to do
some financial reflecting and goal setting for the future. Refreshing your commitment to
yourself and your finances is a great way to kick off the year.
Financial planning in 2026 does not have to mean strict spreadsheets or
complicated systems. According to a recent WalletHub survey, 69% of Americans feel
insecure about their finances. Real financial wellness is about building better money AUTO | HOME | LIFE | BUSINESS | RETIREMENT
habits- small, sustainable steps that can help you feel more in control in the year ahead.
Our Country Financial advisors will help you with this process of forming a workable
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financial plan. 160 S. Emery St., STE A 702-986-6432
Before building any financial plan, take one week to observe how you truly spend
your money. Review your checking account and credit card statements to help you spot
spending trends.
Understanding your spending habits is the first and most important part of any
financial plan. Once you see where your money really goes, you can make small, realistic
adjustments to either save money on certain purchases or realize you may not need certain
items to begin with.
Setting clear financial goals for 2026 is one of the most motivating parts of financial
planning. Think about what you want to achieve, maybe its building your emergency fund,
paying off a loan, or saving for a family vacation. Having specific goals gives you focus and
direction.
Keep your goals realistic and achievable. Instead of saying “I want to save more,”
decide on an exact amount and timeline, like “I’ll save $200 each month into my savings
account.” When you give your goals structure, they become easier to manage and track.
This approach makes your financial planning more effective and rewarding.
Focus on retirement savings even if your retirement feels far away, every little contribution
counts. Take a look at your 401K, IRA, or other retirement accounts to track how you are
doing.
If your employer offers a matching program, make sure you are contributing
enough to take full advantage of those. That’s free money that helps your retirement grow
faster. And if you can, try increasing your contributions, just a small bump can make a big
difference over time. Planning ahead now means less stress later and a brighter financial
future.
Plan ahead for peace of mind. The final piece of financial planning is preparing for
peace of mind. Make sure your insurance policies are up to date and adequately cover your
needs, your emergency fund is ready for unexpected expenses, and your beneficiaries of
your life insurance are accurate and current.
Financial planning isn’t just about money. It’s about creating stability and security
for your family. By getting organized now, you can start 2026 feeling steady, confident, and
ready for what’s ahead.
At Country Financial, we believe financial planning should feel personal, not
complicated. Whether you are setting financial goals, reviewing your budget, or exploring
new investment planning opportunities, we are here to help you make the right decisions
that fit your life. Let’s work together to make 2026 your best financial year yet!
Contact Country Financial today at our office 702-986-6432 or after hours and
weekends at 725-249-4994 to get started with an agency that truly understands your goals
and will help you move forward with confidence.
Proverbs 10:22
“The blessings of the Lord brings wealth, without painful toil for it.”

These definitions are our own and may not reflect the legal terminology or the exact
interpretation used by all companies.
PROVIDING THE PROTECTION YOU NEED

LIFE PERSONAL COMMERCIAL

HEALTH AGRIBUSINESS SPECIALTY PRODUCTS

LIFE INSURANCE PROTECTS YOUR FAMILIES FUTURE!

CALL TODAY FOR A QUOTE!

We are available evenings and weekends with our after hours number 725-249-4994