There is a good reason why the airwaves are filled with commercials for gym memberships and weight-loss programs in December – it's when people begin making health resolutions for the coming year. This also is a good time for advisors to help clients develop a plan to address their financial resolutions for 2023.

Many Americans need professional advice this year, as Fidelity Investments' 2023 New Year's Financial Resolutions Study found. Nearly half expect to maintain the savings habits they picked up during the pandemic. Some of the top things Americans are trying to do for themselves in 2023 include taking the time to exercise more, spending time with those they love, worrying less and focusing on things that truly matter.

"After the stresses of the last few years, Americans are understandably taking a pragmatic view of their financial situation," said Stacey Watson, senior vice president of life event planning for Fidelity Investments. "This is an encouraging indication of the grit and resilience we can tap into when the financial going gets tough. Given the ups and downs experienced, being creative and establishing new financial wellness habits are positive signs many are finding ways to shift the focus, to pay down debt or build up emergency savings. Proper planning and balance are key."