You are a smart, successful, and disciplined person. You understand the value of money and want to choose the right financial advisor to reach your wealth-building goals. However, we understand this can feel overwhelming.

The SECURE Act provides a mixed bag of incentives and obligations for retirement savers and service providers alike. Its intent is to make it easier for families to save more for retirement. That said, “easier” doesn’t necessarily mean less complicated.

Which goal gets top priority? Every financial goal is a priority, but they don’t all have the highest priority simultaneously.

You wanted to make the best financial moves possible this year. You started out great, but after a while, your time and attention got diverted elsewhere and you didn’t pay as much attention to your financial planning as you wanted. Don’t get discouraged.

As a smart investor, you want to maximize opportunities to grow your wealth and to take advantage of every financial tool available to make that happen. You also want to give back to your community through charitable giving. So how can you accomplish both?

Rather than trying to react to market mood swings by switching up your investments, here are 16 actions you can take instead to be ready for a recession. Each is within your control, and any of them can add real value to your financial well-being.