2026 Newsletter — Volume 1

RetireOnTarget^® Newsletter

Reflect, reset and refocus: Mindful money habits for 2026

A new year is the perfect time to pause, reflect and set fresh goals for your finances. Whether you want to save more, reduce stress or spend with purpose, small steps can have big impacts.

Consider these tips for building healthier financial habits:

Wait 24 hours before nonessential purchases to avoid impulse spending.
Set up regular money check-ins — just 10 minutes once a week can make a big difference.
Automate savings and bill payments so your progress happens in the background.
Try “no spend” days to reset habits and boost awareness.

Lastly, try picking a theme for the year, such as “clarity over clutter,” and let it guide your decision-making. When your financial choices align with your values, staying consistent becomes much easier.

Planning for health care costs in retirement

Health care is one of the largest and most unpredictable expenses retirees face. Costs can vary significantly based on your age, health history, gender, location and the coverage options you choose.¹ All these factors make personalized planning especially important.

Rather than estimating a lifetime total, it's often more practical to plan for health care expenses on an annual basis. Breaking costs into yearly amounts makes them feel more manageable, less overwhelming and easier to adjust as your needs change.

The key takeaway: Start with your unique situation, break costs into manageable annual amounts and plan proactively to ensure that health care expenses don't derail your retirement security.

Your Financial Wellness Checkup: A personalized path to confidence

Your financial journey is unique, so your tools and guidance should be too.

Through the BenefitsForYou (BFY) website, you can access a personalized financial wellness experience tailored to your goals. The platform offers:

Courses, videos and tools in English or Spanish
Recommendations based on your financial snapshot from the Financial Wellness Checkup
A simple way to track progress and build confidence over time, and much more

Start by taking the Financial Wellness Checkup. In just a few minutes, you'll receive a personalized plan designed to help you strengthen your financial health and take the next step toward a brighter financial future.

Start your journey today!