Your 2025 Summer
Financial Check-In
Your 2025 Summer
Financial Check-In
Published: June 6th, 2025
Published: June 6th, 2025
Reading Time: 7 Min
Reading Time: 7 Min
Written by: The Zoe Team
Written by: The Zoe Team
Summer isn’t just for vacations — it’s also the perfect time to reset, assess, and optimize your financial life. Whether you’re a seasoned executive, a high-earning professional, or preparing for a liquidity event, here’s how to use the momentum of summer to take control of your finances.
Summer isn’t just for vacations — it’s also the perfect time to reset, assess, and optimize your financial life. Whether you’re a seasoned executive, a high-earning professional, or preparing for a liquidity event, here’s how to use the momentum of summer to take control of your finances.
1. Revisit Your Financial Goals
What Does a Financial Advisor Do?
Life changes? Your goals might too.
Are you still on track to buy that second home?
Is early retirement still a priority, or are you shifting focus?
Has your income or equity package changed?
Life changes? Your goals might too.
Are you still on track to buy that second home?
Is early retirement still a priority, or are you shifting focus?
Has your income or equity package changed?
Tip: Re-evaluate your 3-year and 10-year financial goals. Then ask: Is my current plan aligned?
Tip: Re-evaluate your 3-year and 10-year financial goals. Then ask: Is my current plan aligned?
2. Review Your Budget — And Your Spending Leaks
2. Review Your Budget — And Your Spending Leaks
Even high earners lose track of money. A subscription here, an unused app there — it adds up.
Even high earners lose track of money. A subscription here, an unused app there — it adds up.
Check for recurring charges you no longer need
Compare your current cash flow against last quarter
Look for shifts in spending behavior that could affect savings targets
Check for recurring charges you no longer need
Compare your current cash flow against last quarter
Look for shifts in spending behavior that could affect savings targets
Tip: Use a budgeting app to automate the cleanup process — or better yet, ask your advisor to help you review your spending trends.
Tip: Use a budgeting app to automate the cleanup process — or better yet, ask your advisor to help you review your spending trends.
3. Optimize Cash Reserves and Savings
3. Optimize Cash Reserves and Savings
Is your cash working for you?
Is your cash working for you?
Ensure you’re earning a competitive rate on savings
Rebalance between checking, savings, and investment accounts
Consider a high-yield account for emergency reserves
Ensure you’re earning a competitive rate on savings
Rebalance between checking, savings, and investment accounts
Consider a high-yield account for emergency reserves
4. Audit Equity and Investment Accounts
4. Audit Equity and Investment Accounts
Mid-year is a natural moment to check your portfolio.
Mid-year is a natural moment to check your portfolio.
Are you holding onto too much company stock?
Do you have unexercised stock options approaching expiration?
Are your investment accounts aligned with your risk profile and goals?
Are you holding onto too much company stock?
Do you have unexercised stock options approaching expiration?
Are your investment accounts aligned with your risk profile and goals?
4. Audit Equity and Investment Accounts
4. Audit Equity and Investment Accounts
Mid-year is a natural moment to check your portfolio.
Mid-year is a natural moment to check your portfolio.
Are you holding onto too much company stock?
Do you have unexercised stock options approaching expiration?
Are your investment accounts aligned with your risk profile and goals?
Are you holding onto too much company stock?
Do you have unexercised stock options approaching expiration?
Are your investment accounts aligned with your risk profile and goals?
Final Thoughts
Final Thoughts
Summer is the season of momentum — and your finances deserve the same energy.
With the help of a fiduciary advisor, you can turn a seasonal review into a powerful opportunity to refocus, recalibrate, and realign your strategy with your goals.
Summer is the season of momentum — and your finances deserve the same energy.
With the help of a fiduciary advisor, you can turn a seasonal review into a powerful opportunity to refocus, recalibrate, and realign your strategy with your goals.
Disclosure: This page is not investment advice and should not be relied on for such advice or as a substitute for consultation with professional accounting, tax, legal or financial advisors. The observations of industry trends should not be read as recommendations for stocks or sectors.
Disclosure: This page is not investment advice and should not be relied on for such advice or as a substitute for consultation with professional accounting, tax, legal or financial advisors. The observations of industry trends should not be read as recommendations for stocks or sectors.
Ready to Grow Your Wealth?
Find your financial advisor matches.
Ready to Grow Your Wealth?
Find your financial advisor matches.
Ready to Grow Your Wealth?
Find your financial advisor matches.
Disclosure: This page is not investment advice and should not be relied on for such advice or as a substitute for consultation with professional accounting, tax, legal or financial advisors. The observations of industry trends should not be read as recommendations for stocks or sectors.
Investment advisory services are provided by Zoe Financial, Inc. (Zoe Financial), an investment adviser registered with the U.S. Securities and Exchange Commission (SEC). Registration does not imply a certain level of skill or training. Learn more about Zoe Financial on the SEC’s Investment Adviser Public Disclosure website. Brokerage services are provided by Zoe Securities LLC and Apex Clearing Corporation, members of the Financial Industry Regulatory Authority Inc. (FINRA) and Securities Investor Protection Corporation (SIPC). Learn more about Zoe Securities and Apex on FINRA’s BrokerCheck website.
The information in the visuals above is for illustrative purposes only and does not represent an actual user's account, balance, or return. Zoe Financial does not provide tax or legal advice.
Copyright © 2025 Zoe Financial, Inc. | All rights reserved
Disclosure: This page is not investment advice and should not be relied on for such advice or as a substitute for consultation with professional accounting, tax, legal or financial advisors. The observations of industry trends should not be read as recommendations for stocks or sectors.
Investment advisory services are provided by Zoe Financial, Inc. (Zoe Financial), an investment adviser registered with the U.S. Securities and Exchange Commission (SEC). Registration does not imply a certain level of skill or training. Learn more about Zoe Financial on the SEC’s Investment Adviser Public Disclosure website. Brokerage services are provided by Zoe Securities LLC and Apex Clearing Corporation, members of the Financial Industry Regulatory Authority Inc. (FINRA) and Securities Investor Protection Corporation (SIPC). Learn more about Zoe Securities and Apex on FINRA’s BrokerCheck website.
The information in the visuals above is for illustrative purposes only and does not represent an actual user's account, balance, or return. Zoe Financial does not provide tax or legal advice.
Copyright © 2025 Zoe Financial, Inc. | All rights reserved
Disclosure: This page is not investment advice and should not be relied on for such advice or as a substitute for consultation with professional accounting, tax, legal or financial advisors. The observations of industry trends should not be read as recommendations for stocks or sectors.
Investment advisory services are provided by Zoe Financial, Inc. (Zoe Financial), an investment adviser registered with the U.S. Securities and Exchange Commission (SEC). Registration does not imply a certain level of skill or training. Learn more about Zoe Financial on the SEC’s Investment Adviser Public Disclosure website. Brokerage services are provided by Zoe Securities LLC and Apex Clearing Corporation, members of the Financial Industry Regulatory Authority Inc. (FINRA) and Securities Investor Protection Corporation (SIPC). Learn more about Zoe Securities and Apex on FINRA’s BrokerCheck website.
The information in the visuals above is for illustrative purposes only and does not represent an actual user's account, balance, or return. Zoe Financial does not provide tax or legal advice.
Copyright © 2025 Zoe Financial, Inc. | All rights reserved