Mid-Year Financial Checkup

Summertime can be busy, but as we head into the second half of the year, now is the perfect time for a quick financial tune-up. A mid-year check-in doesn’t need to be overwhelming—it’s a chance to realign your goals, catch any blind spots, and make sure you’re still on track.

Here are five things worth revisiting:

1. Your Cash Flow & Budget

Has your income or spending changed since January? Revisit your monthly inflows and outflows to see if any adjustments are needed. Maybe inflation has bumped up certain expenses, or a bonus gives you room to save more. A simple refresh can bring peace of mind.

2. Your Goals & Progress

Are you saving enough for your top priorities? Check in on your short- and long-term goals—whether it's a vacation, a down payment, or retirement. Are your savings automated? Are your investment accounts aligned with your timelines? Small tweaks now can help you stay ahead.

3. Tax Planning Opportunities

The end of the year tends to sneak up—get ahead of it. Mid-year is a great time to assess your current tax situation. Are you on track with estimated payments or withholdings? Have there been any major changes (job, income, business, etc.) that could impact your tax picture?

4. Investment Allocation

Markets shift—and so should your portfolio if it’s out of balance. Review your investment mix to ensure it still reflects your goals and risk tolerance. Rebalancing can help keep your strategy disciplined and reduce unnecessary risk.

5. Insurance & Estate Planning

Have there been life changes that might warrant updates? Marriage, kids, a new home, a new job—any of these may call for a change in coverage or estate documents. Make sure beneficiaries are up to date and double-check that your policies still make sense for your needs.

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Registered Representative of, Securities and investment advisory services offered through Hornor, Townsend & Kent, LLC. Registered Investment Adviser. Member FINRA/SIPC. 800-873-7637, www.htk.com. HTK does not offer tax or legal advice.

Caserta & de Jongh, LLC is unaffiliated with HTK.

For Educational Purposes Only – Not to be relied upon as financial, tax, or legal advice.

The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of

any security. Past performance is not a reliable indicator of future results

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