Any new year is often a time to reflect on what’s important to you. Financial and investment planning is obviously money-focused. But I’ve been thinking about my client conversations over the years and how the focus of those conversations really are about the things that bring you happiness. Is it the money that does it? Or is it what that money affords us? And at what points do we have enough?

Eighteenth-century Swiss philosopher Jean-Jacques Rousseau said, “The money you have gives you freedom; the money you pursue enslaves you.” He clearly believed that money alone can’t guarantee our happiness, and many other philosophers, business moguls, and philanthropists both before and after his time would agree.