As we enter the last quarter of 2018 and look forward to 2019, it’s a good idea to take inventory of your financial situation to look for ways to save, invest, and check internally to make sure you and your family are heading in the direction you desire both for today and the future.

In terms of everyday spending, it’s a good idea to make a list of purchases and bills you have to see what can be reduced or eliminated. For some of us, it’s an eye opening experience to pause and reflect on. Some of things we spend money on. Adding up that morning purchase of a cup of coffee, breakfast sandwich, or eating out for lunch can show us how easy it can be to spend a bunch of money that could be invested into a college fund for one of your children, your own retirement, or a charitable cause.

It’s also a good idea to check with a tax advisor to make sure you are making the proper withholdings and taking advantage of available tax exemptions. With the recent tax reform, there are changes that we all need to make sure we are in line with.

Many of us contribute to some form of a retirement plan. It’s wise to have a periodic conversation with the custodian of the plan or someone else that you trust to talk about your long-term goals, the current economic climate and what may be heading our way. The same can be said if you are invested in real estate, as this sector can also be affected by swings in the economy.

This is the end of the Insiders series of articles in the Gazette. I hope that you have enjoyed the same enjoyment as I have writing them. If you’re not a CenterState customer already, I invite you to come into one of our six area branches, have a cup of coffee, and have a conversation with one of our bankers. I’m confident that you will see and feel the difference.