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.
Bluebird Wealth Management Disclosure: This presentation is not an offer or a solicitation to buy or sell securities. The information contained in this presentation has been compiled from third-party sources and is believed to be reliable; however, its accuracy is not guaranteed and should not be relied upon in any way whatsoever. This presentation may not be construed as investment, tax or legal advice and does not give investment recommendations. Any opinion included in this report constitutes our judgment as of the date of this report and is subject to change without notice.
Additional information, including management fees and expenses, is provided on our Form ADV Part 2 available upon request or at the SEC’s Investment Adviser Public Disclosure website, www.adviserinfo.sec.gov. Past performance is not a guarantee of future results.