“Risk management is about protecting what you build,” Helkie says. “Are you covered if you get sick or hurt? Are you covered if you go out of country with your kids?” Medical expenses, childcare, moving expenses, teacher school supplies are among the expenses you can take advantage of on your 2016 tax return. Note that you had to have have made the payment before the end of the year to claim it. “It’s about not giving away free money that you’re entitled to,” Daley says. Check in with your financial planner/investment advisor Update her on your new dreams and any changes in life, salary, etc. Talk about how your investments are doing. “Discussions around risk and positioning with the way the markets have reacted post-Trump election… (Maybe it’s) a great time to take some profit out of stocks and rotate into bonds; maybe we need to look at sectors which have underperformed such as the utilities or the REITS — these are the discussions you should be having (with your advisor),” says Martin Pelletier, a portfolio manager at Calgary-based TriVest Wealth Counsel Ltd. Maybe you want to get that side hustle going, driving for Uber or freelancing. Maybe you just want to work up the nerve to negotiate for a pay raise.

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