Annual Financial Check-Up — Stay on Track Each Year

What this engagement delivers

A plan that moves with your life

A financial plan made last year reflects the circumstances of last year. Income changes. Family situations shift. Goals evolve, get reached, or get replaced by new ones. Without a regular review, even a well-built plan slowly drifts out of alignment with where you actually are.

The Annual Check-Up brings your plan back into focus. We update your financial snapshot, assess how progress has tracked against your goals, account for any changes in your circumstances, and refresh the recommendations that need revisiting.

You walk away with a clear picture of where things stand today — and a brief written update that captures any changes to your direction for the year ahead.

Updated financial snapshot

Your current income, savings, debt, and account balances reviewed against where you were twelve months ago.

Progress assessment

Measured against the goals and projections in your existing plan — with an honest view of what's on track and what may need adjustment.

Refreshed recommendations

Any recommendations that no longer fit your current situation are reviewed and updated to reflect where things stand now.

A meeting and written update

A review meeting to discuss everything together, followed by a brief written update summarizing what's changed and what to focus on next.

What tends to happen without a review

Plans age quietly

Circumstances shift without notice

An income change, a new dependent, a shift in priorities — any of these can quietly move your financial situation out of step with the plan you built before they happened.

Progress is hard to see without a benchmark

Without an annual comparison, it's difficult to know if you're moving forward, standing still, or slowly drifting. Most people don't notice until the gap has grown larger than expected.

Recommendations go stale

What made sense when interest rates, your income, or your goals were different may not make the same sense today. A standing plan benefits from regular contact with current reality.

The Check-Up is designed for people who have already done the work of building a plan and want to make sure that effort keeps paying off — not just in the year it was made, but in every year that follows.

How the check-up works

A structured annual touchpoint

The Annual Check-Up isn't a full rebuild of your financial plan — it's a focused review of how things have changed and what that means for where you're headed. It takes what's already in place and brings it up to date.

We look at your financial snapshot as it stands now — updated income, current account balances, any debt changes — and compare it against the projections from your last review or original plan. Where progress is on track, we note it. Where there's drift, we identify what's caused it and what to adjust.

The result is a clear update: a meeting to discuss what's changed, and a brief written document capturing the revised picture and any refreshed recommendations for the months ahead.

Snapshot update

Income, savings, debt, and investment accounts reviewed and updated to reflect your current situation.

Goal progress review

How actual progress compares to the projections in your plan — with an honest read on what's ahead of schedule and what may need attention.

Projection adjustments

Timelines and targets updated to account for any changes in your income, circumstances, or priorities since the last review.

Recommendation refresh

Any recommendations that no longer fit — because of changed rates, new circumstances, or goals that have shifted — are revised or replaced.

Written update document

A brief written summary of what's changed, what's been updated, and what to focus on in the year ahead — yours to keep alongside your existing plan.

What a check-up year looks like

Efficient, calm, and straightforward

1

You share your current picture

We ask for updated information on your finances — account balances, any income changes, new debts or accounts, and anything that's shifted since the last review. Most of this takes less time than you'd expect.

2

We compare, assess, and update

We run the review — comparing where things are now to where your plan projected they'd be, identifying what's changed, and updating the figures and recommendations that need it.

3

We meet to go through it

A meeting to walk through the findings — what's moved, what's stayed the same, and what we'd suggest paying attention to over the next twelve months. You can ask questions about anything in the update.

4

You receive a written update

A brief written document summarizing the review findings, any projection changes, and the refreshed recommendations for the year ahead. It sits alongside your existing plan as a running record of your progress.

March 2026

"I came in with a folder of statements I'd never properly looked at. After the Health Review I finally understood what I actually had — and what needed attention. It was worth every step."

— Harriet Mosvold, long-term Finevault client

What's included

The Annual Financial Check-Up

Investment

$750

USD — annual engagement

Full update of your financial snapshot — income, savings, debt, accounts
Progress assessment measured against your existing plan and goals
Projection adjustments for changes in income or circumstances
Refreshed recommendations where your situation has changed
A meeting to review all findings together
Brief written update document to keep alongside your existing plan

What makes this a standing engagement worth having

A financial plan is only as useful as it is current. The Annual Check-Up is what keeps a well-built plan from quietly becoming irrelevant — and what turns a one-time effort into an ongoing foundation for good decisions.

For many clients, the Check-Up is the engagement they return to year after year. It's straightforward, focused, and efficient — and it accumulates value over time as it builds a running record of your financial progress.

If you don't yet have a plan in place, the Comprehensive Financial Health Review or the Goal-Based Financial Roadmap is a natural starting point before moving to the annual check-up cadence.

Best suited for

Individuals and families who completed a Financial Health Review or Goal-Based Roadmap and want to maintain ongoing clarity as their financial situation evolves year to year.

How the check-up builds value over time

Consistency compounds

1×

Annual review — a single, focused engagement each year to keep your plan aligned

100%

Written — every check-up produces a brief update document you can keep alongside your plan

1:1

Personal review meeting — one-to-one, focused entirely on your situation and progress

What the check-up timeline looks like

Week 1

Information update — you share current figures and any relevant changes from the past twelve months.

Week 1–2

Review and update preparation — we compare, adjust projections, and prepare the written update.

Week 2

Meeting and written update delivery — we discuss findings together and you receive your update document.

Our commitment

An honest read every time

The value of an annual review depends on it being honest — not just confirming that things are going well, but also identifying when something deserves attention. We approach every check-up with the same care we bring to a first engagement.

Genuine, not perfunctory

Every check-up is a real review, not a box-ticking exercise. If something has drifted or needs attention, we say so — clearly and without alarm, but honestly.

Clear language, as always

The written update is written to be read, not filed away unread. Plain language, no jargon, no filler — just a clear account of what's changed and what it means.

Your data stays private

All information you share is used solely for the purposes of your review and handled with care. It's not shared with third parties at any point.

Flexible year to year

The check-up is an annual engagement, but it isn't a locked-in contract. You schedule it when it suits you, and the cadence can be adjusted if your circumstances call for it.

How to get started

Scheduling your check-up is simple

1

Send us a message

Fill in the contact form and let us know you'd like to schedule an Annual Check-Up. Mention whether you're a returning client or new to Finevault.

2

We follow up within a day

We typically respond within one business day with a short guide on what information to pull together — and to schedule a time that works for your review meeting.

3

The review gets underway

Once you've shared the updated information, we move through the review at a pace that suits your schedule — typically completing the full engagement within two weeks.

Not yet a Finevault client?

If you don't yet have a financial plan in place, the Annual Check-Up works best as a follow-on to our Comprehensive Financial Health Review or Goal-Based Financial Roadmap. Either of those is a natural starting point.

Health Review Financial Roadmap

Ready when you are

Schedule your Annual Check-Up

Keeping your plan current doesn't require a lot of time — just a regular, focused review each year. Send us a message and we'll take it from there.

Get in touch

Explore other services

Other ways Finevault can help

Each service is designed for a different stage of your financial journey. If you're earlier in the process, one of these may be the right place to begin.

Starting point

Comprehensive Financial Health Review

An in-depth look at your current financial situation — income, expenses, savings, debt, insurance, and investments — compiled into a clear snapshot with prioritized next steps. Includes a one-hour consultation.

$1,200 USD

Learn more

Most complete

Goal-Based Financial Roadmap

A customized plan built around your personal goals — homeownership, education, retirement, debt reduction. We model scenarios, project timelines, and deliver a written roadmap with two follow-up sessions included.

$2,500 USD