Your 2025 Summer Financial Check-In
Reading Time: 7 minutes
Written by: The Zoe Team
Summer isn’t just for vacations — it’s also the perfect time to reset, assess, and optimize your financial life. Whether you’re a seasoned executive, a high-earning professional, or preparing for a liquidity event, here’s how to use the momentum of summer to take control of your finances.
1. Revisit Your Financial Goals
- Life changes? Your goals might too.
- Are you still on track to buy that second home?
- Is early retirement still a priority, or are you shifting focus?
- Has your income or equity package changed?
Tip: Re-evaluate your 3-year and 10-year financial goals. Then ask: Is my current plan aligned?
2. Review Your Budget — And Your Spending Leaks
Even high earners lose track of money. A subscription here, an unused app there — it adds up.
- Check for recurring charges you no longer need
- Compare your current cash flow against last quarter
- Look for shifts in spending behavior that could affect savings targets
Tip: Use a budgeting app to automate the cleanup process — or better yet, ask your advisor to help you review your spending trends.
3. Optimize Cash Reserves and Savings
Is your cash working for you?
- Ensure you’re earning a competitive rate on savings
- Rebalance between checking, savings, and investment accounts
- Consider a high-yield account for emergency reserves
4. Audit Equity and Investment Accounts
Mid-year is a natural moment to check your portfolio.
- Are you holding onto too much company stock?
- Do you have unexercised stock options approaching expiration?
- Are your investment accounts aligned with your risk profile and goals?
5. Schedule a Mid-Year Strategy Session
Summer is a great checkpoint before year-end planning ramps up.
- Review your estate and tax strategy
- Revisit retirement contributions and charitable giving plans
- Check for any legislative or tax changes that may impact your planning
Tip: Use this session to discuss long-term wealth strategies with your advisor, especially if you’ve recently experienced a life event, promotion, or liquidity event.
Final Thoughts
Summer is the season of momentum — and your finances deserve the same energy.
With the help of a fiduciary advisor, you can turn a seasonal review into a powerful opportunity to refocus, recalibrate, and realign your strategy with your goals.
Disclosure: This page is not investment advice and should not be relied on for such advice or as a substitute for consultation with professional accounting, tax, legal or financial advisors. The observations of industry trends should not be read as recommendations for stocks or sectors.