Happy New Year!

With the start of the year, we wanted to share a checklist of the many ways we can help you beyond managing your investments.

Take a few minutes to scan the list below. If anything applies to you or sparks a question, reach out – we have solutions for all of it.

Pay special attention to #14. We want to remind you that we are here for all finance-related questions. To be clear, our support is always included with no additional charge.

The below list is purposefully surface level. We’ve linked to some of our past letters where relevant, but the best next step is always just to reach out!

1. Check your idle cash: Link your bank to your Fidelity account so you can easily move money into higher-yielding options. Not ready for the market? That’s fine – we still have better places for it than your checking/savings account. (We discussed this a few months ago in greater detail)
2. Periodic Investment Plan: Related to #1, we can set up recurring deposits so new money goes straight to work instead of piling up in checking.
3. Consolidate forgotten accounts: Old 401(k)s, lingering IRAs, random stocks scattered around – we can help you pull it all together and make sure nothing gets left behind.
4. Roth IRA: If you have one, you can still fund it for 2025 until April 15th. It’s also not too early to start on 2026. If you don’t, let’s fix that. If your income disqualifies you, let’s talk about backdoor Roths. (Our guide discusses this as well)
5. Health Savings Account (HSA): Tax-free in, tax-free growth, tax-free out for medical expenses. If you qualify and haven’t set one up, reach out and we can set one up in your portfolio.
6. Check your 401(k) contributions: Should you max it out? Should you contribute to a Roth 401(k) instead of traditional? These choices depend on your situation – we can help you decide. (Our guide also touches on this)
7. Check your 401(k) allocation: Most plans have dozens of fund options. We can help you cut through the noise and pick what makes sense.
8. Required Minimum Distributions (RMDs): If this applies to you, we already calculate your amount and ensure you’re compliant. There is nothing you need to do here, but we can discuss timing strategies, like using your RMDs to cover taxes, donations, or big expenses.
9. Analyze your debt: Not all debt is created equal. Some should be paid off yesterday; some you’re better off keeping at the low rate. Let’s look at yours and make a plan.
10. Accounts for Minors (UTMAs): These are great accounts to start saving for your children, grandchildren, nieces and nephews, or any other minors. We can set these up and help you contribute. (We wrote about this here)
11. Roth IRAs for young investors: Your kids can start contributing to retirement accounts remarkably early. We can open these and help you get them started. (Also discussed here)
12. Review your beneficiaries: These designations override your will. If it’s been a while since you checked, now’s the time. We can help you pull the list and make updates.
13. Connect us with your beneficiaries: Generational wealth isn’t just about passing money down, it’s about passing down the discipline and thinking that generated those assets. We’re happy to talk with your kids, parents, or anyone else you’d like us to know.
14. Anything else? Our job isn’t just managing your investments. We want to be your go-to expert. Before you spend time stressing on Google or GPT, reach out.
    • Buying a car. Reviewing a mortgage. Debating a CD with your bank. Planning for retirement or college. Setting up a retirement plan at work. Budgeting. Teaching your kids about money. Picking a credit card. Any of this and more.
    • Tax questions? We’ll coordinate with your CPA to make sure everyone’s on the same page.

If we can help, we will. If someone else is better suited, we’ll connect you and sit in on the meeting as your advocate.

Here’s to a great 2026 – we’re here to help!