“There is no doubt that 2020 was a challenging year, not only in terms of the economy and finances, but in health and safety concerns as well. Obstacles are always present in planning for the future, but the fundamentals stay the same. Everyone needs to have a plan, commit to that plan, make adjustments when necessary and stay the course through good and bad markets. For most people, having a plan includes working with a financial adviser to set goals, evaluate risk tolerance and identify areas of special concern, and to serve as the calming voice when the going gets tough.