Mid-Year Retirement Portfolio Review: Staying on Track

Jun 25, 2025

Think of a mid-year retirement portfolio review as a financial check-up—not a full overhaul, but a moment to pause, reflect, and make thoughtful adjustments. It’s a smart way to ensure your retirement plan is still working for you and aligned with your goals. You’ll see what’s on track, catch potential issues early, and fine-tune your strategy before year-end.

 

Key areas to review

  1. Retirement Savings Contributions:
  • Are you on pace to meet your annual contribution goals?
  • Have changes in income or lifestyle affected your savings capacity?
  • If possible, consider increasing contributions, even a small bump can make a difference over time.
  1. Investment Portfolio Assessment:
  • How is your portfolio performing relative to your expectations and market trends?
  • Is your asset allocation still a good fit for your risk tolerance and time horizon?
  • Rebalance if your investments have drifted away from your target allocation.
  1. Retirement Age and Timeline:
  • Reevaluate your target retirement age to ensure it still fits your goals and current circumstances.
  • Adjust your savings rate and asset mix to stay aligned with your timeline.
  1. Tax Law Changes:
  • Stay informed about recent tax changes that could impact your retirement strategy.
  • Have you maximized tax-advantaged accounts like Roth IRAs and HSAs?
  • Consult a financial or tax professional to help navigate new rules.
  1. Retirement Income Strategy:
  • Begin refining your income plan if retirement is on the horizon.
  • Revisit your approach to Social Security and how you’ll draw from your retirement savings.

Additional Considerations:

  • Emergency Fund: Still have 3–6 months of expenses set aside?
  • Debt: Is this a good time to pay down high-interest balances?
  • Insurance: Have your coverage needs changed due to family, work, or home life?

Remember:

  • Mid-year is a good time to make adjustments—but avoid reacting impulsively to short-term market fluctuations.
  • A trusted financial advisor can help you interpret your progress, uncover opportunities, and stay confident in your retirement journey.

 

Let’s Stay on Track—Together At First Community Trust (FCT), we believe regular check-ins are key to long-term financial success. That’s why we stay closely connected with our clients, reviewing plans, answering questions, and making timely adjustments as life evolves.

New to FCT? We’re happy to start that journey with you. Let’s schedule your first conversation and build a retirement strategy that’s truly built around you.

 

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