• Do you have a documented financial plan that has been reviewed within the past six months? 
• Do you expect significant changes to your income and expenses in the upcoming year?
• Does your budget reflect your values and priorities? 
• Have you taken into account long-term compensation (e.g., stock options, restricted shares, etc.) and long-term savings (e.g., retirement plans)? 

• Do you have an emergency fund that would cover three to six months of expenses?
• Is your emergency fund able to be accessed easily if necessary?

• Homeowners/renters: Is it sufficient to cover your home and property against disasters?
• Life insurance: Will it replace your income for your dependents and support your wealth transfer goals?
• Long-Term Care insurance: Do you have coverage to protect your wealth against the impact of long- term healthcare expenses?
• Disability insurance: Do you have income support if you are injured or disabled? 
• Health Care insurance: Do you have suitable health care insurance? 

• Are your current loans or credit cards at higher-than-market rates? Should you consider refinancing or consolidating these loans?
• If you have outstanding loans or credit, do you have a plan for paying back what you owe in a timely manner? 

• Have you considered making gifts to heirs while you are living to reduce the size of your estate? 
• Have you considered gifting to a 529 plan for a grandchild to reduce your estate while retaining control of assets?
• Do you have a charitable giving strategy? Have you considered bunching charitable donations for potential tax benefits?

• Do you have an estate plan in place that accurately reflects your intentions? 
• Do you have a living will, healthcare directive, healthcare proxy and durable power of attorney? 
• Have any changes occurred that might require updates to these documents? 

Did any tax law or IRS rule changes occur that will impact your financial planning? These could include the following:

• Changes in tax rates or deductions
• Changes in contribution limits to retirement accounts
• Changes to required mandatory distributions from retirement plans
• How can you manage risks when markets shiſt?
• Should you consider a Roth conversion?

• Should you take advantage of catch-up contributions to your 401K, IRA or HSA?  
• Are you hitting one of the key dates for government benefits this year? (Age 50, 55, 59 ½, 62, 65, 70 ½) 

• Review status of your income sources (Social Security, pension payments, annuities, etc)?
• Have you reviewed your retirement expenses? 
• Do your required minimum distributions (RMDs) cover the balance of these expenses? 
• Is your retirement plan able to weather the key retirement risks (e.g., longevity, healthcare, inflation and poor market returns)? 
• Have you made adequate accommodations for health care needs, including appropriate Medicare options?