At the start of the new year, it’s common to make bold business and personal goals.

We promise to tackle challenges differently and set our sights on ambitious targets.

However, as business owners understand, a resolution without a roadmap is simply a wish.

Achieving your preferred W.E.A.L.T.H™

To move beyond the cycle of "just getting by," financially and with your well being, we encourage you to evaluate your success through these six vital pillars:

• Work: What is most important to focus on and how much time do you want to spend doing it? In 2026, market "noise" is louder than ever. Re-focus on your unique strengths and evaluate whether your current service mix truly serves your bottom line. How much cash do you want in your bank account at any given time? What activities do you want that cash available for, including both for business and personal?
• Enjoyment: Are you finding fulfilment in the daily grind? What do you want to do differently to enjoy yourself, in business and personal areas? What needs to shift, so you are closer to a work-life balance that allows you to switch off without worrying about things?
• Achievement: Reflect on 2025. What did you nail? Use those victories as a springboard for the milestones you aim to reach this year. Reward yourself, without using money to do so.
• Love: Are you carving out enough time for the people and places you love? Your business should be a vehicle to fund your life, not a vacuum that consumes it.
• Time: What is the most important use of your time? How can you manage, delegate better, within your team and also externally to your business? What are the big rocks in your personal world that are non negotiable time wise in 2026? How can you better hold boundaries ?
• Health: The stress of business takes a toll. Specifically when in your week can you fit in your physical and mental well being time slots?

How to GROW in 2026

Evidence shows that the simple act of naming your goals makes you significantly more likely to reach them.

We recommend using the GROW model to navigate the months ahead:

Mastering the GROW Process

1. Goals: What do you actually want? Use SMART goals ( specific, measurable, achievable, realistic and timebound. For example, "I want to increase profit by 15% while reducing my work week by one day by 31 July 2026.") Consider alternatives and ensure they are in your plans.
2. Reality: Where are you right now? Be ruthlessly honest about your current cash flow and operational capacity. Ensure the reality is in your plans and you focus to you priorities.
3. Obstacles and Options to improve/prevent them: What road blocks do you think will arise? What are ways to improve or prevent those? Make a list. Recognising what may be difficult gets you halfway to resolving it. Consider your alternatives and the sensible sequence.
4. Way Forward: once you have done steps 1-3, determine the specific steps to turn your goals into reality. Ensure your plan is aligned with your priorities and sequence of the steps also allow for your time and money budget.

Right Now, is a great time to pivot your focus toward achieving your preferred version of W.E.A.L.T.H™ You will then be able to hit the ground running for the Apil 2026 – March 2027 income year.

We’re Here to Help

Identifying your priorities is the first step; implementation is the second. As your strategic business partner we can walk you through our GROW and W.E.A.L.T.H™ steps.

Whether it’s working out the key steps of your critical path, making your cash flow more user-friendly or identifying which tax planning options are best for you, Love to Grow is here to bridge the gap between where you are and where you want to be.

If you'd like to discuss your W.E.A.L.T.H™ please reach out to us - we'd love to help! We can be a sounding board and keep you on track during the implementation steps.

As an aside, your tax planning for the 2026 year also has a few changes to keep in mind, such as tax threshold shifts, new investment incentives available, likely changes to your loan structures and interest management.

We can help you incrementally adapt your plans as your business changes and weave the specifics into your overall plans.