How often should my financial plan be reviewed?

Your financial plan should be reviewed whenever there is a significant life change, such as a job change or promotion, health changes, a change in marital status, market volatility, or updates to tax law, Social Security, or Medicare rules.

As a general guideline, if you are within ten years of retirement, we recommend reviewing your plan at least twice per year.

During these reviews, we will:

• Update savings assumptions and investment allocations

• Identify tax planning opportunities

• Reassess retirement timing and income needs

• Review estate planning documents and insurance coverage

• Periodically stress-test your plan against adverse market and longevity scenarios

Retirement is not a one-time event—it is an evolving process. Life changes, markets shift, and laws change. Regular plan reviews ensure your financial strategy remains aligned with your goals.

If your plan has not been reviewed recently, schedule a planning review to ensure your strategy remains current and aligned with where you are today.