January-March

• [ ] Adjust your tax withholding (if needed)
• [ ] Calculate debt-to-income ratio
• [ ] Check your credit score
• [ ] File taxes
• [ ] Review salary & compare to industry averages
• [ ] Set new financial goals

April-June

• [ ] Review subscription services
• [ ] Review home & auto insurance policies
• [ ] Review your savings rate
• [ ] Review your net worth

July-September

• [ ] Check asset allocations in investment accounts
• [ ] Consider charitable donations
• [ ] Max out retirement accounts and savings
• [ ] Shop insurance rates
• [ ] Review beneficiaries on accounts for accuracy

October-December

• [ ] Consider tax saving strategies
• [ ] Harvest tax losses in portfolios
• [ ] Plan next year's doctor and dentist visits
• [ ] Rebalance investment portfolios
• [ ] Review HSA and FSA balances and expiration