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March 2020 E-Newsletter: Annual Financial Check-Up

Jonathan M. Gardey, MBA, CFA®, CFP®

President and Chief Executive Officer

Have you scheduled your Annual Financial Check-up yet?  If not, now is a great the time to review your financial health! 

The following is a list of important financial items that should be reviewed at least annually.  Contact your financial professional today!



□ Review Budget  

□ Review Employee Benefits  

□ Prepare / File Tax Returns – Evaluate Subsequent Year Tax Strategies  

□ Consider Refinancing Mortgage / Other Loans  

□ Review Annual Gifting 


□ Review Contributions to Retirement Accounts (401(k), 403(b), IRA, ROTH IRA, etc.)  

□ Review Emergency Fund  

□ Review Contributions to Children’s College Accounts  

□ Review Other Savings 


□ Review Asset Allocation  

□ Review Investments in the Portfolio  

□ Review Portfolio Results  

□ Rebalance Portfolio  

□ Review Capital Gain / Loss Situation 


□ Review Life Insurance Policies  

□ Review Beneficiary Designations  

□ Review Disability Policies  

□ Review Property and Casualty Policies  

□ Review Scheduled Items  

□ Review Umbrella Liability Policies  

□ Review Long Term Care Policies  

□ Review Any Specialized Policies 


□ Review Will / Codicil  

□ Review Living Trust(s)  

□ Review Medical Power of Attorney  

□ Review Durable Power of Attorney  

□ Review Funeral Representative  

□ Review Irrevocable Trust(s)  

□ Review Digital Assets 


□ Review Financial Reports / Tax Records (Organize and File)  

□ Review / Obtain Credit Report (3x per year) www.annualcreditreport.com

□ Review / Update Personal Property Inventory  

□ Review / Update Master Password List  

□ Review / Update Important Document Location List 


□ File tax returns and have a budget  

□ Have an emergency fund and contribute to retirement plans  

□ Review investments, asset allocation, and rebalance portfolio  

□ Review employee benefits  

□ Review insurable needs and life insurance policies  

□ Review credit reports  

□ Have medical and financial powers of attorney and an estate plan 

Download The Check List Here!

Important Disclosure Information

Gardey Financial Advisors Disclosure  Please remember that past performance may not be indicative of future results.  Different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment, investment strategy, or product (including the investments and/or investment strategies recommended or undertaken by Gardey Financial Advisors (“Gardey”), or any non-investment related content, made reference to directly or indirectly in this commentary will be profitable, equal any corresponding indicated historical performance level(s), be suitable for your portfolio or individual situation, or prove successful.  Due to various factors, including changing market conditions and/or applicable laws, the content may no longer be reflective of current opinions or positions. Moreover, you should not assume that any discussion or information contained in this commentary serves as the receipt of, or as a substitute for, personalized investment advice from Gardey. Please remember to contact Gardey if there are any changes in your personal/financial situation or investment objectives for the purpose of reviewing/evaluating/revising our previous recommendations and/or services, or if you would like to impose, add, or to modify any reasonable restrictions to our investment advisory services.  Gardey is neither a law firm nor a certified public accounting firm and no portion of the commentary content should be construed as legal or accounting advice.  A copy of Gardey’s current written disclosure Brochure discussing our advisory services and fees continues to remain available upon request. This material was prepared by MarketingPro, Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. This information has been derived from sources believed to be accurate. Please note - investing involves risk, and past performance is no guarantee of future results. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All indices are unmanaged and are not illustrative of any particular investment.