New Year's and Finances: Helpful Tips from Chase New York Community Manager Tabinda Iftikhar

As 2025 draws to a close, it's time to reflect on the past year and prepare for success in 2026. Whether you're creating new habits or refining your financial strategy, Tabinda Iftikhar, Chase New York Community Manager, shares practical tips for improving your financial health.

Question: What is the most important thing you learned about financial stability in 2025?

Answer: This year, I've been inspired by the enthusiasm for financial education in New York City. People here aren't afraid to dream big—buying a home, saving for retirement, planning for college, or growing their business—and they're thrilled to go through the process of achieving it. One of the most rewarding parts of my job is providing them with the tools and knowledge to make those dreams a reality.

One of the most prominent trends is the increasing sophistication of fraud and deception schemes. These can have a serious impact on anyone's financial well-being. That's why I prioritize conducting fraud prevention seminars that cover the latest fraudulent incidents, warning signs, and practical steps to protect your personal information. Staying informed and proactive is the best way to protect yourself and your loved ones.

Question: What should New Yorkers keep in mind about their finances as the year ends?

Answer: A new year means a fresh start, and it's time to develop habits that will lead to success. Here are a few ways to get started:

• Think of your budget as a personal roadmap—it shows you exactly where your money is going and helps you move toward your goals. Spend a little time each month tracking your income and expenses. When you set a budget that truly reflects your priorities, you not only manage your money but also empower yourself to make confident decisions.
• Saving doesn't have to be tedious. Even small but consistent investments can add up over time. Try automating your savings so you don't have to think about it, and pay yourself first. By increasing your savings, regardless of the amount, you'll gain an effective way to build financial security and peace of mind.
• Your credit score is more than just a number. It's the key that can unlock new opportunities—from buying a home to starting a business. Strengthen your credit history by paying bills on time and managing your balances.

Question: What are the right financial steps to start the new year with?

Answer: No matter where you are in your financial journey, I think everyone should do a financial review at the end of the year. Review your budget and savings, set realistic goals, and create a plan you can stick to in the new year. Anyone can visit their local Chase branch and request a free financial health check; this service is available to everyone, regardless of who you work with. Our teams live, work, and are rooted here, and we are deeply committed to uplifting communities and serving our neighbors every day.

As a community manager, I focus on financial education and community partnerships to strengthen the financial health of residents. I offer free workshops on important topics like budgeting, saving, building credit, and preventing fraud and scams. These workshops are open to everyone, not just Chase customers, and can help you start the new year off on the right foot.

Question: What financial wellness initiatives are you interested in in 2026?

Answer: I'm especially excited to help dispel myths about credit in our community. Credit can seem daunting, but it's actually a powerful tool that can help you unlock new opportunities—whether it's buying a home, starting a business, or simply getting better rates on everyday purchases. In my seminars, I cover the basics: why it's important to know your credit score, how to check it, and simple steps you can take to improve it, such as paying bills on time, keeping your credit balance low, and avoiding unnecessary debt. We also discuss how your credit score can be a step toward achieving your biggest goals. My advice? Don't hesitate to educate yourself about credit. The more you understand, the more control you have over your financial future.

Question: Who and how can take part in your community work and benefit from it?

Answer: Getting involved is easy, and it can make a real difference in your financial journey. We have community managers in every state and the District of Columbia who are dedicated to supporting their local communities. Our free workshops cover important topics like budgeting, saving, building credit, and protecting yourself from fraud and scams. These sessions are open to everyone, not just Chase customers. They're very practical and convenient. If you're looking for guidance, have questions, or simply want to connect with others working toward similar goals, we're here to help. I encourage you to join us, bring a friend, and take advantage of the resources and support available right in your community.

Question: If you could give financial advice to New Yorkers in 2026, what would it be?

Answer: My top tip is to be proactive: take the time to analyze your finances, set clear, achievable goals, and create a plan to achieve them. Don't wait for a crisis or major life event—small steps today can lead to big results tomorrow. And remember, you don't have to do this alone. Our team is always ready to help you whether you need a quick check-up, want to discuss your options, or need help creating a plan. You don't have to be a Chase customer to benefit from our experience and support. We're committed to helping our neighbors build a more secure and resilient financial future—with small, confident steps.

Conclusions

The end of the year is the perfect time to update your financial goals and take confident steps toward a successful future. Visit your local Chase branch for a free financial checkup, sign up for one of my free seminars, and let our team help you start 2026 with confidence.

For informational/educational purposes only: The opinions and strategies described in this article or provided via links may not be suitable for everyone and are not intended to serve as individual advice/recommendation for any activity. The information is obtained from sources believed to be reliable, but JPMorgan Chase & Co., its affiliates, and/or subsidiaries do not guarantee its completeness or accuracy. This material is not intended to serve as legal, tax, or financial advice or to indicate the availability or suitability of any product or service of JPMorgan Chase Bank, NA. Before making any decisions, it is important to carefully evaluate your needs and objectives and consult with appropriate professionals. Projections and retrospective analyses do not guarantee similar future results. JPMorgan Chase & Co. and its affiliates do not provide, recommend, or assume any liability for third-party products, services, or other content.

Deposit products provided by JPMorgan Chase Bank, N.A., Member FDIC. An equal opportunity lender.