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Question: What should I review in my financial plan mid-year?
The summer is in full swing, and we’re officially halfway through 2025. Like many of us, you may have dutifully made New Year’s resolutions. But as the saying goes, “The only constant is change.” That’s why July is an ideal time for a mid-year financial check-in.
At this point in the year, you have more information—but still time to recalibrate and reassess your financial goals and adjust course if needed. Whether you’re tracking your progress toward retirement, managing investments, or simply reassessing your priorities, a thoughtful mid-year review can help bring clarity and direction.
Here are three key questions to consider:
1. What has changed in my family, work, or health situation?
Do these changes affect my investment goals, time horizon, or risk tolerance? Life doesn’t wait for your plan. Whether you’ve experienced a job change, a new addition to the family, or a major life event, it’s worth asking: How do these life changes impact my financial plan?
Often, when life changes, money changes too. Maybe you suddenly need more liquidity—or you find yourself with unexpected resources. Either way, revisiting your goals with a financial advisor can bring relief, direction, and better decision-making. Together, you can evaluate your next steps and explore how current circumstances shape the future you’re building.
2. What are my goals?
Am I making progress, or do I need to adjust?
Sometimes, external events shift our internal priorities. You may have a list of goals already—but find yourself rethinking them as your life evolves. It’s worth pausing to ask: Are these still the right goals for me and my family? Why do I want them in the first place? Are my financial plans in alignment with achieving these goals?
At A&I Wealth Management, we offer goal-setting and values-based financial planning exercises that help clients realign their intentions with their financial strategies. These can be fun, reflective, and often lead to greater clarity and long-term financial satisfaction.
3. Am I making financial decisions that align with my goals and values?
Now that you’ve considered what’s changed—and what matters most—take a closer look at how your spending and saving habits support those values.
Here’s a quick exercise: review your latest bank statement and calendar. Where is your money going? Where is your time going? Are they aligned? You may find you’re overspending on things that don’t reflect your priorities—or underspending on goals that truly inspire you.
When you align your money with your values, you unlock greater purpose and possibility in your financial life.
Talk With a Financial Advisor
You don’t have to navigate this alone. Your financial planner is here to help you reflect, reassess, and re-engage with your plan. We can review your investments, evaluate risk, and guide you toward choices that feel right—not just today, but over time. Get started and contact us today.
Our team at A&I Wealth Management recently created a short video on our mid-year investment outlook—including insights on inflation, market conditions, and what it all means for your portfolio.
Watch the video here:
Disclaimer: The information provided in this blog post is for general informational purposes only and should not be construed as financial or legal advice. Please consult with a qualified professional for advice regarding your specific situation.
DISCLOSURE: Client stories included in this blog reflect hypothetical client situations that represent those commonly encountered by AIWM representatives.
