Broker Check

3 Ways to Set Goals You’ll Keep

| December 27, 2021

3 Ways to Set Goals You’ll Keep

 The new year is an opportunity for new beginnings – including setting new goals! Whether big or small, setting resolutions can help create a path to greater happiness and freedom. Here’s the thing – setting and keeping resolutions isn’t one size fits all, so this year, try a different approach to keep those resolutions!


SMART goals are Specific, Measurable, Achievable, Relevant, and Time bound.

How to use it: Create goals that stick within the constraints of the attributes above. This includes answering questions like: What you want to accomplish (be specific), how you’ll know when it’s accomplished (make it measurable), how realistic is the goal (it should be achievable), does it seem worthwhile (is it relevant), and when can you accomplish it (set time parameters).

Pros and Cons: The SMART system provides clarity and motivation for a goal. On the other hand, answering the questions above requires a level of thought that some might not want to put into every goal.


OKR stands for Objectives and Key Results.

How to use it: OKR goals are written with Objectives at the top, followed by three to five supporting Key Results below. An example might be, “I want to save $5,000 by year-end. So, I will switch to the envelope system, open a new savings account called “Goals,” and put change from purchases into it.”

Pros and Cons: Like the SMART system, OKR helps you create clear goals. It takes a little practice to write successful OKRs, though, since there are plenty of common OKR mistakes. Providing insufficient Key Results to support the Objective is a common one.


PACT stands for Purposeful, Actionable, Continuous, and Trackable.

How to use it: Following PACT goals means setting a Purposeful intent, being Actionable with what you can do today, planning Continuous experimentations of your goal, and Tracking progress over time.

Pros and Cons: PACT goals focus on output, which tends to work well for long-term goals. For a more immediate goal, a different approach might work better.

This new year can be your best one yet, and we can help! Contact our office today to make sure your financial goals are in step with your personal ones.

Securities offered through Securities America, Inc., Member FINRA/SIPC. Advisory services offered though Securities America Advisors, Inc., a Registered Investment Advisor. Anderson Van-Horne Associates, Inc. and the Securities America companies are separate entities. Health and other non-variable insurance products are not offered through Securities America, Inc. The opinions expressed are those of the author(s) and are not necessarily those of Securities America, Inc. The material has been prepared or is distributed solely for informational purposes and is not a solicitation or an offer to buy any security or instrument or to participate in any trading strategy. Securities America, Inc. is not responsible for information contained on websites listed herein. Trading instructions sent via Email will not be honored. Please contact my office at 585-754-3948. Securities America, Inc. at 800-747-6111 for all buy/sell orders. Please be advised that communications regarding trades in your account are for informational purposes only. You should continue to rely on confirmations and statements received from the custodian(s) of your assets. Any person who receives this communication in error is requested to immediately destroy the text of this communication without copying or further dissemination. Your cooperation is appreciated.