Summer isn’t just for vacations: it can be a strategic time to reflect, review, and regroup financially. Whether you’re on track with your annual goals or navigating a sudden financial decision, a mid-year check-in can offer clarity and direction.

That said, many of you already have a regular review schedule. Our advisors and service teams are committed to proactively managing your financial strategy year-round. If you’ve already had your scheduled review recently, rest assured your advisor has you covered.

However, if something unexpected has come up, or if you simply want to touch base, summer may offer a convenient opportunity to reconnect.

Mid-Year Check-In and Goal Reassessment

The halfway point of the year is ideal for assessing progress toward your goals. A summer review can help you:

• Reflect on what’s changed in your life or in the markets.
• Recalibrate your investment strategy if needed.
• Prepare early for any adjustments before year-end.

This kind of check-in is especially helpful if you’ve experienced a career change, liquidity event, or shift in personal priorities.

Tax Planning Opportunities

Mid-year is also a smart time for tax-aware moves:

• Your advisor can review your recent tax return to catch any missed opportunities.
• You can adjust withholdings, make charitable contributions, or consider tax-loss harvesting.
• It’s also a good time to update key estate documents and insurance policies.

Even a brief touchpoint now can help reduce end-of-year stress.

Summer Availability

For those with more urgent or time-sensitive questions, summer can offer easier access:

• Many advisors have lighter schedules in summer, which can mean more flexibility.
• It’s an ideal window for thoughtful, unhurried conversations.

Just remember: if you’re not due for a meeting yet, your advisor and their team are still keeping a close eye on your plan behind the scenes.

Preparing for Year-End

Looking ahead, a summer check-in can give you a head start on:

• Retirement contribution strategies
• Required minimum distributions (RMDs)
• Charitable gifting or other time-sensitive opportunities

It’s all about staying ahead of the game, without waiting until November or December to get things in order.

Whole-Picture Financial Review

Whether or not you meet with your advisor this summer, now’s a good time to reflect on:

• Insurance coverage and risk protection
• Estate planning documents and beneficiaries
• Big-picture goals for the second half of the year

And if anything feels out of sync, your advisor is just a call away.

Final Thoughts

Your advisor and service team are here to ensure your plan stays aligned year-round. But if you’ve had a major life event or just want to talk strategy, summer can be a great time to connect. No matter the season, we’re committed to helping you flourish.

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