A meaningful review starts with what has changed in your life. An account balance alone cannot tell that story.
Look back at the year
Think about changes in work, income, family responsibilities, housing, health, or plans for retirement. Even a change that feels unrelated to money may be worth bringing into the conversation.
Bring these prompts
- What has changed since our last conversation?
- Are my goals and timelines still the same?
- Which questions or concerns have been on my mind?
- Have my workplace benefits, pension arrangements, or insurance needs changed?
- What fees have I paid, and what services have I received?
- Are there documents or beneficiary details I should review with the appropriate professional?
Look beyond performance
Ask how the plan relates to your current goals and circumstances. Discuss the assumptions behind it and what would prompt a change. Avoid making decisions based solely on a recent market movement.
Finish with a short action list
Agree on what needs attention, who will handle each item, and when to reconnect. Keep a copy so the next conversation can begin with what has been completed.
A review is a chance to ask: “Does this still fit the life I am building?”