@AhGong:No one knows what will happen with markets in 2023. That uncertainty can feel out of control, but there are things you can control and steps you can take: 1. Assess where your portfolio stands. An annual check-in with your financial advisor about your portfolio is a good practice, mainly because our lives change. As we age or as life circumstances evolve, we should reevaluate our risk tolerance. Taking stock of the previous year’s happenings is key. For example, a new child, a new job or a change in retirement plans may necessitate a change in your investment strategy. 2. Conduct a cash-flow review. Tracking your spending and savings is one of the most important steps to building a sound financial plan. Be sure to review your projected saving and spending targets for 2023. An excellent pla