What should an annual financial review or checkup include?

An annual checkup is a once-a-year sweep to catch drift before it becomes a problem. Cover the essentials: update your net worth and compare it to last year; check that you're on pace for retirement and bump your savings rate if you got a raise; rebalance your portfolio if it has drifted from your target mix. Review insurance coverage and beneficiary designations on every account, since these override your will. Confirm your emergency fund still covers 3–6 months of current expenses. Look at your tax situation before year-end while there's still time to act — 401(k) bumps, HSA funding, or Roth conversions. Finally, revisit goals that may have changed. Doing this every year is what keeps small gaps from compounding. Start at wealthserene.com/assessments/annual-checkup.