Your 2026 Financial Checklist: What to Review Now for a Confident Year Ahead

January is ideal for a financial reset. Before the year gets busy, consider reviewing these core areas of your financial life:

1. Cash Flow & Spending
Understanding where your money goes is the foundation of every good plan. Review last year’s income, expenses, and savings. Are your spending habits aligned with your priorities? Small adjustments now can have a big impact over the year.

2. Goals & Priorities
Life changes—sometimes quickly. Revisit your short- and long-term goals, whether that’s buying a home, funding education, preparing for retirement, or building an emergency fund. Make sure your plan reflects what matters most now, not what mattered a few years ago.

3. Insurance Coverage
Adequate insurance helps protect everything you’re building. Review health, life, disability, home, and auto coverage to ensure policies and beneficiaries are still appropriate for your situation.

4. Investments & Risk Tolerance
Rather than reacting to market noise, confirm your investment strategy still matches your goals, timeline, and comfort with risk. A well-diversified portfolio is designed to weather uncertainty over time.

5. Beneficiaries & Estate Basics
Outdated beneficiary designations are a common—and costly—oversight. Review beneficiaries on retirement accounts, insurance policies, and key documents, especially if you’ve experienced major life changes.

A thoughtful annual review helps keep your financial plan intentional, organized, and aligned with your future.