It is advised for investors to remain committed to their long-term financial strategies regardless of who occupies the White House, according to financial advisors.

• Financial advisors advise not to let emotions cloud your judgment when evaluating the potential effects of a second Trump presidency on your finances.
• Improving your personal economy is possible by taking better control of your money.

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After winning the 2024 election, President-elect Donald Trump's stocks surged, and the Federal Reserve announced an interest rate cut just two days later.

The stock market indices, including the Dow Jones Industrial Average, S&P 500, and Nasdaq, reached new records and experienced their best week of the year.

Despite Wall Street's reaction to the election outcome, some financial experts say that the disconnect between the markets, the economy, and people's feelings about their financial standing, known as "Vibecession," persists.

Advisors say that while feelings should not overshadow anyone's focus, the potential impact of a second Trump presidency on finances should be assessed carefully.

"A new presidency may bring changes to the economic environment, but it's important to focus on financial strategies within our control, said Rianka Dorsainvil, a certified financial planner and founder of YGC Wealth. She advised sticking to your long-term financial plan and adjusting it only when your personal circumstances or goals change."

Government policies on tariffs, taxes, interest rates, and the economy are beyond the control of consumers and investors. Nevertheless, experts suggest that individuals can take charge of their personal economy by managing their finances more effectively.

Here are five ways to improve your finances:

1. Build an emergency fund

Building up your emergency funds in a high-yield savings account is crucial," Dorsainvil advised. "Aim for three to six months of living expenses to provide peace of mind and stability, regardless of broader economic conditions. This financial buffer ensures you're prepared for unexpected expenses or income disruptions.

2. Increase savings goals

Compare the tax benefits of traditional and Roth 401(k) plans, as well as Roth IRAs, to increase savings goals in accounts that offer tax breaks.

According to CFP Lee Baker, founder of Claris Financial Advisors in Atlanta, if you have a 401(k) plan with a matching contribution, putting your contributions into the stable value fund or the cash option and contributing $100 with each paycheck will put you ahead of the game.

3. Review benefits from employers

Review health insurance coverage options and other benefits, such as flexible spending accounts and health savings accounts, during open enrollment.

Unlike FSAs, HSAs are tax-advantaged accounts for health expenses that allow funds to roll over from year to year.

If you change jobs, your HSA account will come with you, and you can invest the money. HSAs provide three tax-saving options: contributions go in pretax, funds grow tax-free, and withdrawals for qualified medical expenses are tax-free.

"According to Baker, a member of the CNBC Financial Advisor Council, they are the ideal investment vehicle," he stated. "Our recommendation to most clients has always been to maximize it by pouring in as much money as possible."

4. Pay down debts

To manage credit card debt, experts recommend taking a break from using cards and consulting with a nonprofit credit counselor to create a debt repayment plan. The National Foundation for Credit Counseling can help you find a counselor.

Reducing debt will improve your ability to handle changes in interest rates or economic policies, according to Dorsainvil.

5. Look for 'missing money'

Another option is discovering "lost funds" or unclaimed assets from accounts you may have overlooked.

You can find your "unclaimed property" on the National Association of State Treasurers' missingmoney.com website or visit the state's unclaimed property office. It may only take a few minutes to claim funds from an old bank or brokerage account by filling out a form.

Dorsainvil advised against making decisions that may negatively impact your portfolio or wallet based on short-term market reactions or speculative headlines.

Maintaining sound financial practices is crucial to thrive in any economic climate, regardless of the political administration.

Don't miss the CNBC Financial Advisor Summit on Dec. 10, featuring industry thought leaders and experts discussing the latest trends, emerging risks, and strategic insights to help advisors better serve their clients. Get your ticket and bring a colleague with you!