The festive season often brings joy, but let’s face it—it can also leave your wallet feeling like it’s gone a few rounds in the ring. As the holiday cheer fades and we step into 2025, it’s the perfect time to take a good, hard look at your finances. Between gifts, celebrations, and those last-minute New Year getaways, your budget might be begging for mercy. But here’s the silver lining: working with an adviser can help you save money in unexpected ways, especially when it comes to life insurance.