Sample Calendar of Financial Planning Advice

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

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

• 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

Employee benefits review

Cash reserve needs

Tax optimizing with your financial advisor and CPA: loss harvesting, deductions, Roth considerations, withdrawals, income planning