Mid-Year Financial Check-In: Keep the Momentum Going
As we hit the midpoint of the year, it’s the perfect time to step back, take stock, and make sure your financial plan is still on track. Whether you're ahead of schedule or just getting started, a mid-year check-in gives you the opportunity to reflect on what’s working—and where there's room to fine-tune.
Why do mid-year check-ins matter?
Life moves fast, and so does your financial picture. Goals shift, markets fluctuate, and new opportunities emerge. A quick check-in now can help ensure you’re making the most of the next six months and staying aligned with your long-term objectives.
Here are a few questions to help guide your review:
✅ Are You On Pace With Your Savings and Investment Goals?
Take a look at your year-to-date contributions to retirement accounts, investment accounts, and other savings goals. Are you on track to meet or exceed your targets? If you're behind, a small increase in monthly contributions can make a meaningful impact.
✅ Have Any Life, Income, or Spending Changes Occurred?
Marriage, a new job, a baby on the way, or even a change in spending habits—all of these can impact your financial plan. Updating your goals, budget, and insurance coverage accordingly helps keep your plan relevant and realistic.
✅ Are You Making the Most of Tax-Smart Strategies?
Now’s a good time to revisit strategies like Roth conversions, charitable giving, HSA contributions, and tax-loss harvesting. Smart mid-year planning can reduce your tax bill and free up more resources for the future.
✅ Is Your Portfolio Still Aligned With Your Long-Term Plan?
Market volatility may have shifted your asset allocation. Rebalancing now ensures your risk level matches your comfort zone and long-term investment strategy.
✅ Are There Smarter Ways Your Money Could Be Working for You?
Cash sitting in low-yield accounts? Underutilized equity in your home or investments? There may be opportunities to put your dollars to better use, from optimizing interest income to exploring alternative investments.
Keep Building—or Get Back on Track
If you're in a strong financial position—fantastic. Let’s look for ways to build on that momentum. If things haven’t gone as planned, that’s okay too. A few timely adjustments can make a big difference by year-end.
Let’s Refocus, Together
If you're ready to regroup, refine your plan, or explore new financial opportunities, now’s the time. Let’s connect and make sure the second half of your year is as productive—and purposeful—as possible.
📩 Schedule a time to chat or reach out directly through the 'Contact Us' tab. We're here to help every step of the way.
