ANNUAL FINANCIAL CHECK-UP Gardey Financial Advisors 

INCOME / SPENDING 

□ Review Budget 

□ Review Employee Benefits 

□ Prepare / File Tax Returns – Evaluate Subsequent Year Tax Strategies 

□ Consider Refinancing Mortgage / Other Loans 

□ Review Annual Gifting 

SAVINGS □ Review Contributions to Retirement Accounts (401(k), 403(b), IRA, ROTH IRA, 

etc) 

□ Review Emergency Fund 

□ Review Contributions to Children’s College Accounts 

□ Review Other Savings 

INVESTMENT PORTFOLIO 

□ Review Asset Allocation 

□ Review Investments in the Portfolio 

□ Review Portfolio Results 

□ Rebalance Portfolio 

□ Review Capital Gain / Loss Situation 

INSURANCE □ Review Life Insurance Policies 

□ Review Beneficiary Designations 

□ Review Disability Policies 

□ Review Property and Casualty Policies 

□ Review Scheduled Items 

□ Review Umbrella Liability Policies 

□ Review Long Term Care Policies 

□ Review Any Specialized Policies 

ESTATE PLAN 

□ Review Will / Codicil 

□ Review Living Trust(s) 

□ Review Medical Power of Attorney 

□ Review Durable Power of Attorney 

□ Review Funeral Representative 

□ Review Irrevocable Trust(s) 

□ Review Digital Assets 

HOUSEHOLD 

□ Review Financial Reports / Tax Records (Organize and File) 

□ Review / Obtain Credit Report (3 times per year) – www.annualcreditreport.com 

□ Review / Update Personal Property Inventory 

□ Review / Update Master Password List 

□ Review / Update Important Document Location List 

OVERALL PRIORITY LIST 

□ File tax returns and have a budget 

□ Have an emergency fund and contribute to retirement plans 

□ Review investments, asset allocation, and rebalance portfolio 

□ Review employee benefits 

□ Review insurable needs and life insurance policies 

□ Review credit reports 

□ Have medical and financial powers of attorney and an estate plan