With the new year already here, it's not too late to revisit your overall saving, investing and personal finance picture. What will you change? What will you do the same? Do you have the right strategy or do you need to make adjustments? One thing is for sure, we will continue to see plenty of volatility in the financial markets this year. We can also be certain a recession is on the horizon - exactly when and how it will be triggered, however, is unclear. We just need to be prepared. Now more than ever, it's important to have a plan to protect and grow your wealth, with flexibility to take advantage of opportunities that may arise in the new year.