Make 2026 the year you get your finances under control. Schedule a free financial health checkup today.

The new year brings a new start, and there’s no better time to look at your financial goals. Whether you're saving for a big purchase, working toward paying off debt, or wanting to feel in control of your budget, a little planning now can set you up for a great 2026.

At Ascend, our goal is to help our members become more effective financial stewards. That’s why we encourage all members to schedule a free financial health checkup. It’s a simple, supportive process that helps you understand the current state of your finances and how to move forward with confidence, no matter what goals you may have.

What Happens During a Financial Health Checkup?
Think of it as a relaxed, judgment-free conversation. A certified team member walks you through:

• Your current financial picture

• Your habits around spending, saving, and borrowing

• Additional savings opportunities within your budget.

• Tools and products that might fit your needs

• Clear guidance to help you move forward

What Should You Bring?
You don’t need much, but a few items can make your checkup even more helpful:

• Recent paystubs, bank statements and budget notes

• Loan, credit card, or debt information

• Outstanding bills (medical, repairs, etc.) and recent statements of all recurring bills (utilities, insurance, etc.)

• Copy of your credit report

• Letters from creditors, judgments, garnishments disclosures

• Statements showing income or property tax arrearage

• Notice of tax liens or levies

• Copy of all insurance policies

Digital tools like the IRS’ tax withholding estimator can be useful as you prepare.

What Do You Get Out of It?
You’ll walk away with:

• Clear awareness of where your finances stand

• Personalized suggestions to help you spend wisely, save smarter, and borrow responsibly

• Confidence and direction for the year ahead

• Optional follow-ups to keep you on track

• The reassurance of having a financial partner who cares
  

Why a Financial Health Checkup Matters
A financial health checkup ensures your habits around spending, saving, and borrowing are still aligned with your goals. When you look at each area intentionally, it becomes easier to avoid surprises and stay in control.

• Spending: You might discover small expenses that add up quickly or areas where you could switch to a lower-cost option. For example, reviewing monthly subscriptions, looking at dining-out trends, or adjusting your grocery budget can free up money.

• Saving: A checkup can help you create or strengthen your savings plan. Whether that’s building an emergency fund, setting aside money for a car or vacation, small adjustments can lead to meaningful saving progress.

• Borrowing: Understanding how your loans fit into your bigger financial picture can help you borrow responsibly and save money on interest. You might explore whether refinancing makes sense, whether you’re on track to pay down debt, or how to approach a major upcoming purchase.

Whatever your goals are, having a trusted advisor review your finances with you can provide clarity, reassurance, and direction.

Make This the Year You Take Control

Ready to make 2026 the year you take control of your finances? Ascend is here to support you every step of the way. Schedule your free financial health checkup today.