Savings and debt
- Emergency fund still at 3–6 months (or your target)?
- Any new debt? Plan to pay it down.
- Savings rate: can you increase 401(k), IRA, or other savings?
Investments and retirement
- Rebalance if your allocation has drifted from your target.
- Review 401(k) and IRA contributions; bump up if you can.
- Confirm beneficiaries on all accounts.
Insurance and documents
- Insurance coverage still adequate? Get quotes if needed.
- Estate documents (will, POA, healthcare directive) up to date?
- Organize tax documents for the coming filing season.