September is here, which means there are only a few months left in 2026. While retirement may still feel years away, now is a great time to pause and ask: Am I still on track for the retirement I want? A quick review now can help you identify opportunities to adjust before the year ends. Consider checking in on a few key areas:
- Retirement contributions: Are you contributing consistently and taking advantage of available retirement savings opportunities?
- Investment strategy: Does your current portfolio still align with your retirement timeline and comfort with market fluctuations?
- Retirement goals: Have your plans changed? Consider your expected retirement age, lifestyle, and future expenses.
- Beneficiaries: Are the beneficiaries on your retirement accounts and other financial accounts still up to date?
- Tax planning: Are there year-end strategies you should discuss with your financial or tax professional?
The good news is that a retirement check-in doesn't have to mean making major changes. Sometimes, it simply means confirming that your current strategy is still working toward your goals. Other times, changes in your income, expenses, family circumstances, or retirement timeline may mean it’s time to make an adjustment. September gives you enough time to identify potential opportunities and act before the end of the year.
As you look ahead to 2027, don't let another year pass without checking in on your retirement plan. Whether retirement is right around the corner or decades away, having a clear picture of where you are today can make it easier to plan for where you want to be tomorrow.