Sample Calendar

January-March

  • Financial Plan update (your financial road map)
  • Investment strategy: risk, diversification, portfolio
  • Retirement review

July-September

  • Mid-year income/expense flows and cash reserves
  • Education planning
  • Gifting/charitable plans
  • Next chapter conversations: Social Security, lifestyle, required distributions

April-June

  • Debt reduction
  • Family and Late Life planning
  •  "What Ifs": disability, premature death, long-term care
  • Estate planning with attorney: asset titling, beneficiaries, documents in place


October-December

  • Employee benefits review
  • Cash reserve needs
  • Tax optimizing with your financial advisor and CPA: loss harvesting, deductions, Roth considerations, withdrawals, income planning