SJBiz_SHMFinancialGroup_ATE_1_25_EVERGREEN_Profile 1 / 13 / 25 12 : 25 PM Page 1 SPECIAL ADVERTISING SECTION ask the expert Molotskyon Money Stanley H . Molotsky , President and CEO One thing I’ve learned from helping people with their financial plans since 1958 is that nothing stays the same . And since things are con - stantly changing , you have to change with them . Get ready for more change — but con - sider what you’ve been able to change your mind about over the decades and years . Never lose that curiosity and willingness to learn : Your job in planning your financial process is to both stay alert for and recog - nize the changes important to you . Most people try to make new informa - tion fit their existing beliefs , which can be as dangerous as ignoring the new informa - tion . It’s important to ask if this informa - tion should cause us to modify a belief , and possibly change our investment plan or take another action . It seems every aspect of financial plan - ning has changed over time , and many of them more than once ; in recent years , changes seem to occur more frequently and be more significant than in the past . Some people believe that what happened and what they’ve experienced in the past few years will happen again , and you’ll have to adjust to tax rules that are about to change again . Bob Carlson , one of our associates , has noted that , “ Being alert for change im - proves your health as well as your finances . Most studies find that people are happier and healthier as they age when they are mentally active , learn new things and are open to change . ” What we know for sure is that after our new president is officially sworn in , things will definitely change . Remember the SHM motto : " Always hope for the best but pre - pare for the worst . " As always , let us know how we can help by calling the number below , and have a healthy , happy and prosperous new year ! The SHM Financial Group Voorhees ( 856 ) 454 - 5110 | ( 800 ) 666 - 3974 SHMFinancial.com SouthJerseyBiz.net | VOLUME 15 ISSUE 1 | SOUTH JERSEY BIZ | 7