We're halfway through the year. Markets have moved, tax rules have shifted, and life has probably thrown a few curveballs your way. A retirement plan built in January doesn't automatically stay accurate through July.

A mid-year checkup isn't about second-guessing your strategy. It's about making sure the plan you built still matches the life you're living.

Here's what to look at.

Your contributions: If you're working, check where you stand against this year's contribution limits for your 401(k), IRA, or HSA. Six months in is the right time to catch up if you're behind, or to confirm you're on pace for a full match.

Your risk tolerance: Markets have had their moments this year. Take stock of how your portfolio actually performed against how you expected to feel watching it. If you found yourself anxious every time you checked your statement, that's useful information, not just noise.

Your tax strategy: Roth conversions, required minimum distributions, and tax-loss opportunities are easier to manage mid-year than in a scramble every December. If your income has changed, a conversion that made sense in January might make even more sense now, or not at all.

Your Social Security timing: If you're within a few years of claiming, small changes in your plan (a new job, a spouse's benefit, a change in health) can shift the math on when to file.

Your lifestyle goals: This is the one people skip, and it's the one that matters most. Are you still working toward the retirement you pictured? Has a trip, a move, a grandchild, or a health change reshaped what you want your money to do for you?

A plan is only useful if it reflects your actual life.

That's the heart of a mid-year checkup. Not a full overhaul, just an honest look at whether your plan still fits.

If it's been a while since someone looked at your full picture, or if this year has changed things for you, we'd welcome the conversation.

Schedule A Mid-Year Checkup