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With employees in a reflective state of mind, January is an ideal time for employers to begin helping employees build their confidence when making smart financial decisions. (Photo: Shutterstock)

January is widely regarded as the time of year for personal and professional reflection – when we consider what we accomplished and where we fell a little short. It’s also when we focus on goals for the year ahead in all facets of our lives, from physical health (probably the most common) to our emotional and financial health.

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