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time now for Money Matters Nashville were with Westwood president of wood Financial Group were so early in the new year for a lot of people this means evaluating that retirement plan maybe doing a reset after this past year of having it really derailed so how do we start the first thing you need to do to make sure you reset your financial plan or get a new plan is make sure you have a plan so a lot of people I know youre getting close to those retirement years and you may not yet have a plan yet best thing to do is get a plan in place if you already have one youre going to want to make sure you look at it make sure that it still is in line with your goals where you want to be and if it isnt you may need to reset a few things adjusting things to make sure youre on track to retire or stay retired lets talk about some of the baggage with that right loans in debt how do we deal with that thats a big one were really talking to a lot of our clients about this specific issue because