Update the facts
Refresh savings, contributions, allocation, income and important life changes before interpreting results.
Focused decision guide
What should I check each year in my retirement plan?
A useful review updates what changed, compares progress with the earlier plan and chooses one next question. It does not require rebuilding every detail.
Understand the choice
What changes—and what you give up.
Keep history
A dated snapshot shows the path taken. It should not erase the earlier plan or turn one market year into a verdict.
Choose one response
A change in saving, timing, spending or portfolio can be explored separately before altering the base plan.
Before comparing
The assumptions that matter most.
- Current account values and recent contributions
- Meaningful changes in work, family, health, housing or goals
- Whether the broad allocation has changed
- Whether official benefit and pension estimates need refreshing
Test the question
Use the guide with a planning tool.
Each saved check-in is dated. It adds history without silently replacing the retirement plan.
Related next step
Review the plan and keep dated portfolio facts separate.
Plan Overview shows the connected planning picture. Portfolio Review History records conclusions, follow-up actions and the next review date.