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Potential Client Service Calendar

One of the most common questions new clients have is what the financial planning process will look like. As advisors, it’s easy for us to take for granted the things we know we will be doing all year long. Below is a sample client experience broken down by the months of the year. Of course, every engagement is unique and will be tailored to your individual circumstances and needs.

January

Review Prior Year Goals and Action Items – Looking Back
Update Goals and Financial Planning Projections – Looking Forward
Rebalance 529 Plans
Run Quarterly Tax Projections and Make Estimated Tax Payments – January 15th
Rebalance 401k & Investment Accounts

February

Gather Tax Documents – 1099 are Released
Schedule Appointment with Your CPA
Annual Meeting #1 with Sincerus

March

Review Your Life and Disability Insurance Needs
Review the Amount You’re Contributing to Your 401(k)
Review the Investment Options in Your 401(k)
Handle Outstanding Tax Questions

April

Check Your Credit Scores
File Your Tax Return
Make Your IRA Contributions (including Roth and SEP)
Run Quarterly Tax Projections and Make Estimated Tax Payments – April 15th

May

Review Your Student Loans and Consumer Debt
Review Your W-4 and Update Your Withholding
Get a Copy of Your Completed Tax Return
Meeting #2 with Sincerus

June

Review Your Property & Casualty Insurance Policies
Review Your Budget and Cash Flow
Run Quarterly Tax Projections and Make Estimated Tax Payments – June 15th

July

Rebalance 529 Plans
Review Your Mortgage Terms
Rebalance 401(k) and Investment Accounts

August

Estate Planning Review – Your Beneficiaries, Wills, POAs
Meeting #3 with Sincerus

September

Run Quarterly Tax Projections and Make Estimated Tax Payments – September 15th
Look for Roth IRA Conversion or Rollover Opportunities

October

Employee Benefits Review – Open Enrollment
FAFSA Student Loan Deadlines
Deadline for Tax Returns on Extension

November

Make Sure to Use Any Remaining FSA Funds
Revisit Annual Budget & Cash Flow Results
Monitor Capital Gains Distributions from Mutual Funds
Meeting #4 with Sincerus

December

Replenish or Invest Emergency Reserves
Review Savings Account Alternatives
End of the Year Tax Planning – Capital Loss Harvesting
Charitable Giving