In this final episode of the year, Carol Dewey guides listeners through a powerful year-end reflection designed to help them close 2025 with clarity and enter 2026 with purpose and alignment. Rather than traditional resolutions, Carol offers three intentional questions that help retirees and pre-retirees evaluate their progress, release what’s no longer serving them, and set meaningful priorities for the new year.

Listeners are encouraged to pause, reflect, and reconnect with the deeper purpose behind their financial strategies—ensuring their wealth supports a life of peace, fulfillment, and abundance.

Reflection begins with gratitude. Before planning ahead, acknowledge victories—big or small. Celebrating progress strengthens emotional clarity and supports better financial decisions.

Letting go creates space for opportunities. This includes outdated financial strategies, draining commitments, unhelpful habits, or scarcity-based beliefs that no longer fit your goals.

Priorities provide direction. Whether financial (tax-efficient income, estate planning, risk alignment) or personal (health, connection, meaning), intentional priorities create alignment between your resources and your life.

You cannot control markets, headlines, or volatility—but you can control your structure, your plan, and your mindset. Clarity creates calm.

This is the moment to review your retirement income strategy, confirm that investments still match your comfort level, revisit tax planning, and recommit to a mindset of stewardship and purpose.

• Celebration of another year of Navigating Abundant Retirement and the community it has built.
• Announcement of the new alternating schedule: the podcast will now air every other Thursday.
• Exciting news: The Owner’s Playbook, a new companion podcast for business owners preparing their endgame, launches this December.
• Finish Strong 2025_ Three Quest…

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This episode is intended for educational purposes only and should not be considered personalized financial advice. Consult a qualified advisor for guidance specific to your situation.

In this Thanksgiving-themed episode of Navigating an Abundant Retirement, host Carol Dewey explores the deeper meaning of abundance—one that goes beyond account balances and market performance. Carol introduces the concept of the Gratitude Portfolio: the collection of invisible yet invaluable assets that create peace, joy, and purpose in retirement.

Listeners learn why gratitude is not just an emotion but a mindset that shapes financial clarity, confidence, and decision-making. Carol walks through the four key “asset classes” of the gratitude portfolio—relationships, health, time, and purpose—and offers a practical exercise called the Gratitude Audit to help retirees reflect on the wealth they already possess.

Gratitude increases awareness and emotional wealth, even when finances don’t change.

• Relationships – the people who support, love, and grow with you.
• Health – appreciating what your body can still do.
• Time – the most limited currency with the highest value.
• Purpose – the meaning and contribution that create legacy.

Listing both financial and gratitude assets helps reveal what truly matters—and what drives fulfillment.

Express gratitude, share generously, and ensure your financial plan reflects what you value most.

You can’t be anxious and grateful at the same time—gratitude anchors you through uncertainty.

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• Free Download: 8 Key Drivers of Company Value
• Book Your Complimentary Lifestyle & Legacy Assessment
• Website: https://www.perpetualwealthfinancial.com
• LinkedIn: https://www.linkedin.com/in/perpetualwealth/

In this year-end episode of Navigating Abundant Retirement, Carol Dewey breaks down five essential financial moves to make before December 31st. These simple but strategic actions can help you reduce taxes, improve income planning, and set up a stronger financial foundation for 2026.

Avoid the 25% penalty and use charitable giving to reduce taxable income.

Convert just enough to stay in your current tax bracket while rates are still low.

Use losses to offset gains — or lock in gains at favorable rates.

Combine multiple years of giving to maximize deductions; consider a Donor-Advised Fund.

Prevent penalties and ensure your withholding reflects this year’s income changes.

Make sure beneficiaries, POAs, and trust documents reflect your current wishes.

These year-end moves help you keep more of what you earn, increase tax efficiency, and align your financial decisions with long-term goals. Schedule a 21-Point Wealth Assessment if you want personalized guidance.

📘 Free Download: 8 Key Drivers of Company Value

📅 Book your Complimentary Lifestyle & Legacy Assessment

💬 Website: www.perpetualwealthfinancial.com

💬 LinkedIn: Carol Dewey

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