When Was Your Last Financial Wellness Checkup?

Over the weekend, I was listening to a show where the host emphasized something that stuck with me: the importance of regular 401(k) checkups. It made me think—most people rarely stop to review their retirement accounts, even though they’re one of the biggest pieces of their financial puzzle.

A simple checkup can help you answer critical questions:

• How am I invested?

• Am I saving enough for the lifestyle I want in retirement?

• Am I using the right tax strategy—Traditional or Roth?

• Am I on track to retire when I want to?

• Am I taking too much (or too little) risk?

  
  

Yet, here’s the truth: most people aren’t even taking 15 minutes to review their 401(k)—let alone a holistic financial checkup that looks at their entire financial life. And that could be costing you far more than you realize.

Why We Do Health Checkups… But Not Financial Ones

Think about this:

• You see your doctor once a year for a physical.

• You go to the dentist twice a year for a cleaning.

  
  

Why? Because prevention matters. Catching problems early saves time, money, and stress.

But when it comes to money, we often take the opposite approach—we set it and forget it. Your financial life deserves the same proactive care as your physical health. Small missteps left unchecked can grow into major roadblocks:

• An underfunded retirement account.

• Missed tax-saving opportunities.

• Investments that no longer align with your goals.

• Insurance gaps that put your family at risk.

  
  

The longer these go unnoticed, the harder (and more expensive) they are to fix.

What Is a Financial Wellness Checkup?

A financial wellness checkup is an opportunity to step back and look at the big picture—not just one account or one goal, but how all the pieces of your financial life fit together.

Here’s what we typically review during a checkup:

✔ Retirement Readiness – Are you on track to retire comfortably at the age you want?

✔ 401(k) & Investments – Do your allocations match your goals and risk tolerance? Are you paying unnecessary fees?

✔ Tax Planning – Are you using the right tax strategies? Should you consider Traditional or Roth contributions?

✔ Insurance Protection – Do you have the right coverage for your family and income?

✔ Debt & Cash Flow – Is your money working as efficiently as possible for you?

It’s an hour of your time that can provide years of clarity and confidence.

Why Most People Avoid It

Life gets busy. Financial planning can feel overwhelming or intimidating. Some people fear what they’ll find—like realizing they’re behind on retirement savings.

But the reality is this: not knowing doesn’t make the problem go away. In fact, the earlier you address any gaps, the easier they are to fix. Just like skipping dental cleanings can lead to cavities, skipping financial checkups can lead to unnecessary stress and missed opportunities.

Why Now Is the Perfect Time

We’re over halfway through the year. A lot has likely changed since January:

• Markets have moved.

• Tax laws evolve.

• Life events happen—new jobs, home purchases, growing families.

  
  

Your financial plan should reflect these changes. Waiting until “someday” often turns into “never.”

Take Control of Your Financial Health

Through August, if you schedule an introductory meeting with us, we’ll donate $50 to a local non-profit on your behalf.

There’s no cost and no obligation—just an opportunity to ensure your financial health is as strong as your physical health.

👉 Schedule your financial wellness checkup today.

Final Thought

You prioritize your physical health because you know it matters. Your financial health is no different. Both determine your quality of life—not just today, but for decades to come.

So, when was your last financial checkup? If you can’t remember, it’s time to make that appointment today.