Free Downloadable All-In-One Financial Checklist

Ready to tackle your finances your way? Whether you're diving in headfirst with our free all-in-one financial checklist or taking it step-by-step with our monthly planner, we've got tools to help keep you on track. No matter your pace, success starts here.

Download Our Free All-In-One Financial Checklist — or read below for our month-to-month planner. 

Success starts with a solid plan.

A solid financial plan isn't something you write down and forget—it's a living, breathing strategy you check in on regularly. Sure, things might shift during the year (that's life), but starting with a clear plan will give you focus and direction. Let's make 2025 the year you take charge of your financial future.

January—Start the year out strong.

• Set your budget with purpose: Outline your goals, prioritize what's urgent, decide what can wait, then build a budget that reflects this. Don't forget to account for inflation.
• Cut unnecessary spending: Reassess where your money's going—maybe it's time to cut back on takeout or cancel unused subscriptions. Small changes now could lead to big wins later.
• Contribute to your 2025 IRA early: Early contributions mean more time for growth. Start now to maximize potential earnings.

February—Review your investments.

• Consult a financial advisor: Review your asset allocation and ensure your investment mix is rebalanced based on your goals, risk profile, and what's going on in the market.
• Don't forget old 401(k)s: Look at tax benefits, costs, and investment options to decide what's best for you.
• Contributions: Set up recurring contributions to tax-advantaged or taxable accounts.

March—Tax time is coming up soon.

• Get organized: Pull out last year's tax forms and records—it's time to tackle tax season like a pro.
• File your taxes: Don't miss this year's tax deadline on April 15, 2025.
• Put your tax refund to work: Boost your emergency fund, contribute to your IRA, pay off high-interest debt, or invest in a taxable account. Make your money work as hard as you do. 

April—Own your finances.

• Check your credit report: Grab your free report from each of the major bureaus and address any errors. A healthy credit score is your financial backbone.
• Attack your debt: Start with high-interest debt first. Every dollar saved on interest is cash back in your pocket. 

May—Children are the future.

• Open a 529 account: Give your child or grandchild a head start with a smart college savings plan.
• Teach kids about money: Instill strong saving and spending habits now. Future you will be proud. 

June—Midyear check-in.

• Budget check: Are you staying on track? If your priorities have shifted, adjust them accordingly. Keep your goals in focus.
• Tweak your mix: Review your asset allocation. The right balance of stocks and bonds will depend on your timeline and risk tolerance.
• Think big picture: Look at your portfolio as a household. Avoid overlap and make sure you're on the right path.
• Mindful spending: Before splurging on non-essentials, take some time to think it over. Wait 30 days (or at least 30 minutes) and see if you still really want it. 

July—Invest in yourself.

• Level up your career: Whether it's upskilling, networking, or exploring growth opportunities, boosting your income potential is always a smart move.
• Health is wealth: Prioritize self-care and invest in preventative care for long-term financial stability.
• Knowledge is power: Read that investment book or binge that financial podcast. The more you know, the more empowered you will be to manage your wealth with confidence.

August—Prepare for uncertainty.

• Emergency fund: Make sure you've got enough saved up for unexpected expenses. It's recommended to have 3-6 months' worth of living expenses saved in case of an emergency.
• Review insurance coverage: Are you prepared for potential emergencies or disasters? Make sure you've got the right coverage—life, health, disability, liability, auto, property, etc. Review your policies, make necessary adjustments, and be on the lookout for potential discounts.
• Reality check: Review your income and expenses to keep your goals aligned with your current financial situation. 

September—Give back.

• Charitable giving: Donate to causes that matter to you. Think donor-advised funds or decluttering with purpose by giving away unused items.
• Tax-smart strategies: Double up contributions in a single tax year to maximize deductions or donate appreciated securities to help reduce capital gains taxes.
• Volunteer: Lend your time and skills to local charities. It could be a win-win for the community, you, and your taxes.

October—Stay cyber smart.

• Password upgrade: Strong passwords are a must. Use upper and lowercase letters, numbers, and symbols—no lazy "1234" nonsense.
• Fraud defense: Ignore unsolicited financial messages, double-check URLs, and never share personal info with unsolicited callers.
• Organize your docs: Keep tax returns, legal papers, and account statements stored securely—digitally or old-school hard copies. 

November—Family matters.

• Talk money: Have open conversations with adult children about your plans—especially if they'll be impacted.
• Review your estate plan: Stay on top of tax implications and beneficiary designations to make sure everything aligns with your heirs' needs.
• Create a holiday budget: Avoid overspending by creating a budget for gifts, travel, food, and other holiday expenses. Stick to it to avoid post-holiday debt.

December—Finish strong! 

• Boost your savings: Aim to save at least 15% of your salary (including employer contributions) for retirement. You'll thank yourself later.
• Don't miss RMDs: If you turned 73 in 2024 or earlier, remember to take your required minimum distributions from Traditional, Rollover, SEP, SIMPLE, or Inherited IRAs.
• Reflect on your progress: Celebrate what you've accomplished this year (you're amazing!), learn from any mistakes, and strategize for an even better 2026.

Starting early and staying organized are key to financial success, but you don't have to do it alone. A financial advisor can guide you, helping you adapt to changes in your goals or finances while keeping you on track. Focus on saving, invest in yourself, and seek advice to help achieve long-term stability. With the proper support, you can build a more secure financial future. 

Reach out to a Guardian advisor today.

The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. The opinions expressed and material provided are for general information and should not be considered a solicitation for the purchase or sale of any security. Investment advisory services are offered through Guardian Wealth Management, an SEC Registered Investment Advisor.