06/15/2026
We’re officially halfway through 2026! ⏳Here are a few key areas to review to ensure you’re on track with your financial and personal goals, and to see if any adjustments are needed.
✅ Review Your Financial Priorities - Review your short- and long-term financial objectives to ensure they still reflect your priorities, lifestyle, and retirement plans, and make adjustments as needed based on any changes in your circumstances.
✅ Assess Your Spending Habits - Analyze recent bank statements and evaluate your overall spending habits to identify any expenses that may have gradually increased over time.
✅ Plan for Upcoming Expenses — Factor in anticipated costs for the second half of the year, such as vacations, holidays, special events, or other planned purchases.
✅ Review Debt Repayment Progress — Review your outstanding debts, interest rates, and monthly payment amounts to identify opportunities to consolidate balances or accelerate repayment of high-interest debt.
✅ Evaluate Your Current Insurance Policies — Take time to review your auto, home, life, health, Medicare, and long-term care insurance policies to make sure your coverage still aligns with your current needs, lifestyle, assets, and any recent changes in retirement, health, or family circumstances. Whether you have questions about Medicare or Medicaid options, Ryan McCready is here to help guide you through the process. And if it’s time to review your home or auto coverage, stop in and see CJ Bell, our newest home and auto specialist, for a no-obligation quote—you may be surprised by how much you could save while improving your coverage.
✅ Assess Opportunities for Tax Savings — Evaluate strategies to help minimize taxes and maximize after-tax income, such as reviewing retirement account withdrawals, charitable giving plans, and required minimum distributions (RMDs).
✅ Check Your Retirement Savings Plan — Review your retirement savings and distribution strategy to ensure it remains aligned with your income needs, tax situation, and long-term financial goals.
