Hey there, let me tell you about a time when having a plan really paid off.

Back when I was in the military reserves, we had to be ready to go at a moment’s notice. Every month, we did these preparation reviews, getting ourselves squared away in case we got deployed. And sure enough, in December, that’s exactly what happened – we got called up for Desert Storm.

But you know what?

We were ready because of frequent preparatory readiness.

Look, I know a lot of people just sign up for stuff and then never look at it again. But that’s a big mistake. Your finances are like a garden – if you don’t tend to them regularly, they’ll get out of control real fast. The frequency of your financial reviews depends on where you’re at in life. If you’re younger, maybe once a year is enough. But as you get closer to retirement, you’ll want to check in more often.

When we do these reviews, we’re looking at the big picture – your net worth, your cash flow, your investments, your debt, your estate planning. Gotta make sure all the pieces are working together. One of the most important things these reviews can do is help you catch any mistakes before they really hurt you. Maybe you’ve got too much risk in your portfolio or you’re paying way too much in taxes.

At the end of the day, the goal of these financial reviews is to optimize your net worth. We want to make sure you’re on track to hit your goals in the most efficient and effective way possible. Now, I know a lot of you like to DIY your finances between our meetings. That’s great! There are tons of tools out there to help you stay on top of things.

Debt is a big part of the equation too. We’ll dive into how your loans and credit cards are impacting your overall financial health. The frequency of our meetings really depends on your unique situation. If you’re just starting out, we may need to do more upfront to get your plan in place. But once that’s done, we can usually keep it to an hour or so every six months.

And listen, I know life can throw curveballs. The market might tank, your car might die – stuff happens that we can’t always predict. But that’s why we build in contingency plans during our reviews. So when those unexpected things pop up, you’re ready to roll.