Annual Review: Assess last year's financial performance (income, expenses, investments, net worth).

Tax Preparation & Planning: Gather documents and finalize tax strategies ahead of the April filing deadline.

Goal Setting: Establish new year’s financial goals, including savings, investments, and debt reduction.

Investment Strategy & Portfolio Review: Adjust portfolios, rebalance as needed, and evaluate risk tolerance.

Retirement & Cash Flow Planning: Assess retirement readiness, Social Security strategies, and review cash flow for savings opportunities.

Income Management: Optimize income sources, consider raises, bonuses, and explore side income opportunities.

Budgeting: Revise budgets based on new year goals and Q1 financial review.

Debt Management: Focus on strategies to reduce high-interest debt and consider loan consolidation.

Estate Planning & Beneficiary Review: Update estate plans (Wills, Trusts, Powers of Attorney) and review beneficiary designations in light of new estate tax laws.

Mid-Year Portfolio & Tax Strategies: Review portfolio performance, discuss tax-efficient strategies, and assess life changes that may impact financial plans.

Business Planning: Review and adjust business plans, assess performance, and make strategic decisions for the rest of the year.

Insurance & Risk Management: Update insurance coverage, review risk management, and ensure protection against income loss, estate depletion, or long-term care.

Education & College Savings: Evaluate 529 plans, education funding strategies, tax benefits, and review scholarships, grants, or student loan options.

Charitable Giving: Discuss tax-efficient giving strategies, assess philanthropic goals, and review Donor-Advised Funds (DAFs) or other charitable vehicles.

Estate Planning: Update wills, trusts, and legal documents to ensure beneficiaries and wishes are current.

Insurance Planning: Review health, life, disability, and property policies for adequate coverage and updates.

Risk & Investment Review: Adjust risk tolerance and investment strategies based on current economic or political factors.

Retirement Planning: Evaluate retirement accounts and contributions to stay on track with long-term goals.

Year-End & Tax Planning: Review portfolio performance, explore tax-saving strategies (e.g., charitable donations, Roth IRA conversions), and assess any life changes affecting taxes.