January-March

• [ ] Adjust your tax withholding (if needed)
• [ ] ⚠️ January - estimated tax payment for previous year Q4
• [ ] Calculate debt-to-income ratio
• [ ] Check your credit score
• [ ] Prepare to file taxes (gather docs, submit to CPA)
• [ ] Review rates, packages, service offerings
• [ ] Update financial goals

April-June

• [ ] ⚠️ April - Make Q1 estimated tax payment
• [ ] Review subscription services
• [ ] Review home & auto insurance policies
• [ ] Review your savings rate
• [ ] Review your net worth
• [ ] ⚠️ June - Make Q2 estimated tax payment

July-September

• [ ] ⚠️ September - Make Q3 estimated tax payment
• [ ] Check asset allocations in investment accounts
• [ ] Review retirement accounts and savings
• [ ] Shop insurance rates
• [ ] Review beneficiaries on all accounts for accuracy

October-December

• [ ] Consider tax-saving strategies
• [ ] 🏥 November: Open enrollment begins
• [ ] Consider charitable donations
• [ ] Rebalance investment portfolios
• [ ] Review HSA and FSA balances and expiration