Mid-Year, Full Picture: A Financial Pulse Check

At the midpoint of the year, you’re far enough in to evaluate progress—but early enough to make changes that still count. A mid-year financial pulse check gives you the space to regroup, reflect, and realign—before the pace of the second half picks up.

This isn’t just about checking boxes or measuring performance. It’s about reconnecting your plan to what matters most right now. Life may have changed since January. The markets certainly have. A brief review can help you make smarter choices moving forward.

Here are a few questions worth asking:

• Are your goals still aligned with your plan?
  Personal and financial goals evolve. Whether it’s preparing for a child’s education, planning a major purchase, or rethinking retirement timing, make sure your strategy reflects what’s most important to you today.
• Is your portfolio positioned for today’s environment?
  Market conditions shift—and sometimes so does your risk tolerance. Rebalancing your investments or adjusting your allocations could help improve long-term resilience and bring your portfolio back in line with your intentions.
• How’s your cash flow tracking?
  Summer often brings changes in spending—vacations, family activities, home projects. Check in on your budget and spending habits. Are they still supporting your long-term goals?
• Any recent life changes?
  New job? Empty nest? Health changes? These events can reshape your needs and priorities—and they’re worth factoring into your strategy sooner rather than later.

Even if everything still feels “on track,” confirming that with your advisor can provide peace of mind. A mid-year pulse check doesn’t require big moves—it just requires purposeful attention. And that small step could help you finish the year with greater clarity and confidence.