Greetings from Mint Hill, NC!
I trust you had an enjoyable holiday season. One of my favorite things to do when the calendar turns is reflect on the previous year. What went well? What didn’t go well? What needs to change in the future, both in my personal and professional life? I hope you had time to reflect as well. If not, I encourage you to make it a priority while the new year is still young!
One habit my family and I started 10–15 years ago, on the advice of a mentor, is to write a “family business plan” at the beginning of each year. We cover goals such as: What charities should we give to? How much do we want to save for the kids’ future? Are there places we want to travel this year? Do we need to update our estate plan? If your family hasn’t done something like this before, I encourage you to try it for 2025. Write your goals down—the odds of completing set goals are significantly higher when they are written down. I also encourage you to share your financial goals with your advisor team.
With that said, Mint Hill has a few exciting resources coming out in the first quarter of 2025 that we think will be of interest and value to you. Keep an eye out for those announcements in the near future.
Lastly, I’ve included a few articles that caught my attention that I think you’ll find interesting. Enjoy the read, and, as always, do not hesitate to reach out to your advisor team with any questions. We are here to serve you!
Happy New Year!
Sincerely,
Tim Beldner
 | What Country Spends the Most on Healthcare? The United States currently ranks highest in healthcare spending among the developed nations of the world. According to data released by the Organisation for Economic Co-operation and Development (OECD) in 2022 (latest information), the U.S. rate was a staggering $12,555 per capita.
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 | It’s the Time for Cruise Deals. Here’s How to Maximize Your Trip. Cruise lines are booking up fast—but the lower prices are there if you know where to look.
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| U.S. Surgeon General Calls for Cancer Warnings on Alcoholic Beverages Dr. Vivek Murthy said alcoholic beverages should carry cancer warnings to increase awareness that the drinks are a leading cause of preventable cancers.
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 | From Fear To Flourish: Why Courageous Goal-Setting Matters Sick of playing small? Here’s how to set more courageous fulfilling goals and let go of the fear of failure, according to experts.
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| Advice From A Legend: Warren Buffett’s Take On Estate Planning At 95, the iconic investor continues to share wisdom, not just about business, but about life and legacy.
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| 25 Social Security Facts for 2025 Social Security is more confusing than ever. Myths abound. Here, you’ll find a complete set of 25 facts to help you understand Social Security and its benefits.
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