On this episode of Through The Pines we'll chat financial GOAL SETTING & LIFE PLANNING in 2026 from headwinds & pitfalls to clear values-aligned goals to motivate you!

Welcome to a Financial Planning Podcast with a down to earth vibe Sasquatch listens while editing his daily vlog (he never publishes), this is Through the Pines.

Our Advisors for this episode, we welcome back Brandyn Smith from planwithbaxter.com

2023, 2024, 2025 & 2026 Forbes Best in State Wealth Management Teams For Utah -

Advisor Hub Fastest Growing Advisors to Watch under 1 Billion -

Receivers of the Ameriprise Client Experience Award -

Financial Advisors: Baxter, Smith & Associates

Contact: rex.m.baxter@ampf.com

Website: planwithbaxter.com

OUTLINE:

Why Goal Setting Feels Hard in 2026

• Current headwinds: Rising costs, interest rate volatility, AI-driven job changes, housing affordability, and longer lifespans (planning for 30+ years in retirement).
• The consequence of weak goals: " drifting" — saving without purpose, lifestyle creep, or burnout from chasing someone else's version of success.
• Planner perspective: The #1 regret they hear from clients and the biggest mindset shift needed right now.

• • Good news: When goals are clear and values-aligned, planning becomes much easier and more motivating.

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Through the Pines - Reminding you to use Yesterday's Dollars to Finance Tomorrow's Dreams.

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This episode includes financial advice from professionals. Visit the financial planners in this podcast at www.planwithbaxter.com The Banyan Collective & Host, R. Brandon Long are not the financial professionals - podcast pro's, maybe - money men, not so much.

Through the Pines Podcast Copyright, The Banyan Collective - 2026