Why Summer is a Smart Season to
Meet with Your Financial Advisor
Strategic Summer Meetings
Summer isn’t just for vacations: it’s also one of the most strategic times of the year to meet with your
financial advisor. Whether you’re tracking toward long-term goals, considering portfolio adjustments,
or preparing for year-end strategies, a mid-year financial review offers a host of benefits.
Here’s why taking time now can pay off later.
1. Mid-Year Check-In and Goal Reassessment
The halfway point of the year is the perfect opportunity to reflect on progress and course-
correct if needed. A summer meeting allows you to:
- Reassess your financial goals.
- Evaluate portfolio performance.
- Adjust your investment strategy based on market trends or life changes.
This proactive review helps prevent issues from snowballing and gives you time to make
meaningful changes before year-end.
2. Tax Planning Opportunities
Summer offers a window to fine-tune your tax strategy:
- Your advisor can review your latest tax return for accuracy and identify potential savings.
- It’s a good time to adjust withholdings, plan charitable contributions, or harvest tax losses.
- You can also update estate documents or insurance policies as part of a comprehensive
review.
Mid-year tax planning helps you avoid surprises and get ahead of the fall rush.
3. Easier Access to Your Advisor
With fewer clients booking meetings during summer months, you may find it easier to:
- Schedule appointments that fit your calendar.
- Receive more personalized, in-depth attention.
- Dive into complex topics without being rushed.
It’s a great time to have those longer, strategic conversations that can shape your financial
future.
4. Head Start on Year-End Strategies
By tackling planning in the summer, you’ll be well-positioned to:
- Rebalance portfolios before year-end volatility.
- Maximize retirement contributions and HSA funding.
- Plan for required minimum distributions (RMDs) or gifting strategies.
Acting now helps avoid the December time crunch and ensures your strategy is fully optimized.
5. Holistic Review and Risk Management
A mid-year meeting is a great time for a broad financial check-up:
- Review insurance coverage and beneficiary designations.
- Update your estate plan if your family or financial situation has changed.
- Assess your overall risk exposure.
A complete financial wellness review helps align all parts of your financial life, keeping you
protected and prepared.
Whether you’re tracking toward long-term goals, considering portfolio adjustments, or preparing for year-end strategies, a mid-year financial review offers a host of benefits.
Final Thoughts
Meeting with your advisor during the summer isn't just a good idea: it’s a smart financial move. It
gives you space to think strategically, respond to changes, and stay ahead of the curve. Don’t wait
until the year-end rush. Use this quieter season to proactively shape the financial future you want.