When should you revisit your financial plan?

When the facts change

A new job, a child, a move, a change in health, or a shift toward retirement can alter the priorities behind a financial plan. The old plan may still contain sound ideas, but the assumptions deserve a fresh look.

Reviewing a plan does not have to mean starting over. It can mean checking a few questions: What changed? Which choices depend on the new facts? Which recommendations remain useful?

When a decision has consequences elsewhere

A contribution, withdrawal, insurance, or investment decision can affect more than one part of a household's finances. This is when a broader review may be worthwhile, especially if taxes, cash reserves, and long-term goals interact.

When you want a second look

You do not need a dramatic life event to request advice. A focused meeting can help examine an account, test an assumption, or organize questions for another professional. The right scope depends on the decision you are trying to make, not on a preset schedule.